First of all, with the rapid development of electronic payment methods in recent years, from the initial Alipay to the later WeChat, Bank, UnionPay, etc., it can be said that a hundred schools of thought contend. People gradually like to pay by mobile phone (instead of large-scale cash payment and credit card payment). I think you should realize that this is absolutely convenient for my life. You don't need to bring cash, just pay by mobile phone, and you may pay later.
Then let's talk about the relationship between convenient payment and advanced consumption. The fast payment method makes us seldom touch cash. The concept of money is just a display of numbers or credit lines. It can be said that it certainly promotes our consumption and facilitates our consumption, but it has little to do with advanced consumption.
Finally, I want to say whether the electronic payment mentioned in the topic is e-commerce (JD. COM, Taobao and other new forms of consumer payment) or credit consumption (credit card, ant credit, flower shop, etc. If it is said above, I think it has promoted some advanced consumption!
But the last thing I want to say is to spend according to my own situation and avoid personal debt crisis.
I have to say that electronic payment really makes people's lives more convenient. It can be said that people sit from home and things come from the air. Now we don't even have to bring our wallets when we go shopping. We can do all this with a mobile phone. You can even buy it online and send it home. This undoubtedly facilitates our life and promotes our consumption. After all, it's convenient, just don't go out and move your fingers. However, it is convenient for those who can control themselves, but for those who pursue luxury life and are too lazy to buy a road, it will undoubtedly make them even more bankrupt. So you still have to restrain yourself! Some people say that as soon as I brushed Taobao, JD.COM clung to himself, wanted to buy everything when he saw it, and then paid for it. It may be no problem for the rich, but some people borrow money to buy it. I just want to be a gentle Rong Zhi and help these borrowers as much as you can. In a word, the rapid development of electronic payment is mixed, which not only promotes consumption, but also develops the character of some people losing their families.
I think electronic payment not only facilitates us, but also facilitates advanced consumption to some extent. Be cautious about impulsive irrational consumption!
First of all, compared with the previous cash payment, various electronic payments do save consumers a lot of time and labor costs, and easily and quickly complete online payment transactions in various aspects such as food, clothing, housing and transportation. With the rapid development of the information age, this convenience has become more and more attractive to consumers, but without electronic payment, the progress of the whole society will be affected. In particular, online payment tools represented by Alipay and WeChat payment have become the most important inventions in the new era!
But on another level, the convenience of payment has also brought about the growth of impulsive irrational consumption! With the rise of electronic payment, more and more people are aware of the satisfaction brought by purchasing behavior. The satisfaction degree of the same demand will be very high if it can reach 80% in the era of cash payment, but in the era of electronic payment, not only the demand can be fully met, but even the proportion of demand that can be reached in the future can be enjoyed in advance because of the convenience of electronic payment. That is to say, the society has created some new commodity demands to stimulate consumers to buy, so as to achieve consumer satisfaction, such as live media shopping, such as Singles' Day Carnival, Double 12 Shopping Festival, New Year's Day Festival, and the anniversary of a certain platform. These marketing strategies are based on the convenience of electronic payment. The convenient consumption of electronic payment has led to the continuous change of productivity and production relations in the whole society. We recognize the social progress brought by this kind of electronic payment, but at the same time, as users of electronic payment, we should be cautious: that is, we can not only enjoy the fruits of progress in the information age, but also curb the disadvantages brought by impulsive and reckless consumption in advance.
In terms of social phenomenon, it is social progress. In terms of practical means and effects, it is like a kitchen knife, which can make delicious food in the hands of chefs and is a murder weapon in the hands of gangsters.
Is electronic payment convenient for us or for consumption in advance? I think electronic payment is a sign of the progress of the times, which greatly facilitates all aspects of our daily life, and advanced consumption is just one of them. The following aspects are analyzed:
From 20 18, I basically have no cash, and I only take my mobile phone, key and ID card when I go out. From the payment of living expenses at home, mortgage insurance, buying train tickets, ordering takeout, shopping and entertainment, food, clothing, housing and transportation, etc., all needs can be met through electronic payment such as Alipay and WeChat. Moreover, electronic payment has greatly saved my time and brought greater convenience to my life.
From the convenience point of view, the advantages of electronic payment are beyond doubt.
Due to electronic payment, the settlement between enterprises has become more convenient. Alipay and WeChat payment are sharp tools for enterprise promotion and capital turnover. Similarly, many companies have made their first pot of gold on Taobao and WeChat applets. From the perspective of entrepreneurs, these platforms provide a stage for entrepreneurs, and electronic payment tools provide entrepreneurs with excellent tools for trading and financing.
Consumption in advance is not the fault of electronic payment, but financial institutions, banks, businesses and other businesses use consumers' inner desires and impulses to vote for their good results.
For example, some women like beautiful clothes and have searched for clothes of specific brands on the Internet, so merchants recommend products and preferential information for them through big data analysis, or let consumers fall into the trap of advanced consumption step by step through live planting grass.
Abstract: Electronic payment not only facilitates our life, but also provides convenience for businesses. As an ordinary person, we should learn to recognize our internal needs, make good use of electronic payment tools, and avoid all kinds of advanced consumption routines.
The influence of electronic payment mode on consumer behavior
In the past 10 years, the introduction of internet services has revolutionized the traditional payment methods and had a far-reaching impact on consumers' consumption behavior. Electronic payment not only brings convenience to people's lives, but also has an important impact on people's consumption behavior. Therefore, it is of great significance to study the influence of electronic payment mode on consumer behavior. The field and scale of online payment in China is in a leading position in the world. People can buy goods and services through smart phones and online platforms.
Consumer behavior is a study on consumer purchase decision and the relationship between various factors that affect purchase decision. According to the traditional theory, the factors that affect consumers' behavior are income level, consumers' preference and lasting income. With the popularization of electronic technology, electronic payment has quietly had an important impact on consumers' purchasing behavior. For example, the payment method of loan consumption will stimulate consumers' current consumption demand, because when consumers improve their current liquidity through credit, they can increase their current demand for goods and services. The traditional way of shopping is that people go into physical stores, choose goods, and then queue up at the checkout counter to pay their bills. Nowadays, consumers can pay through mobile apps, and smartphones can be used as mobile wallets. In 2005, China officially began to put forward the concept of electronic payment, and since then electronic payment has been widely used in many fields of life. At present, UnionPay payment system, third-party payment platform and NFC mobile payment system have become the three main camps of electronic payment in China. Various electronic payment methods provide more efficient and convenient services by giving full play to their own advantages, which facilitates people's food, clothing, housing and transportation and changes people's consumption behavior.
First, the status quo of electronic payment
As a new payment method, electronic payment has not been born and developed for a long time. 1998, the payment method appeared on the online banking of China Bank and China Merchants Bank, which was the earliest online banking payment. In the second year, the third-party payment companies represented by Huanxun Payment and Shouxin Easy Payment appeared, which made the online payment industry grow gradually. With the innovation of communication technology and the popularity of mobile phones, major banks have launched mobile banking services. At around 20 10, APP broke out, and various third-party payment platforms also occupied the highlands of major online shopping websites, updating users' payment experience in many aspects of technology and services.
1. Promotes online shopping and electronic products.
Research shows that the stronger the liquidity constraint, the less the consumption expenditure. The more convenient the payment method is, the easier it is for consumers to increase their consumption under short-term impulse. The traditional consumption payment method has brought great convenience to consumers from the initial gold and silver banknotes to today's electronic payment. Electronic payment platforms such as Alipay and WeChat allow consumers to buy goods and services on the Internet in the real "physical" world. This sharp reduction in the cost of shopping time has given e-commerce companies more opportunities to stand on their feet. They can cooperate with well-known brands or compete head-on with physical stores in some cases. Therefore, with the introduction of new technology, e-commerce and mobile services, shopping websites and real goods can be connected by a desktop computer or mobile phone, which has increasingly become the mainstream of consumption and payment. The survey results show that by 20 17 years, tablets and smart phones are expected to account for more than 85% of all intelligent connected devices. Therefore, when the payment system changes, the new payment method really changes people's consumption behavior. The degree and situation of consumer behavior change depends on the type and scale of payment system change. The more convenient the payment method is, the more popular the electronic payment is, and the more conducive it is to consumption growth. This is not only conducive to the increase of consumer demand, but also greatly promotes the total social demand, thus stimulating economic growth.
2. Security issues of electronic payment
As an important payment link of e-commerce, electronic payment is directly related to the financial security of users and operators. Therefore, payment security is one of the core issues of electronic payment. In real life, consumers who use mobile devices have stricter requirements for privacy than consumers who use personal computers. This requires mobile Internet terminal applications to share data on the basis of ensuring the validity of customer authentication and the security of information. This is different from the openness, transparency and openness of the Internet. The key of payment providers is to support the whole payment field through efficient, reliable and safe services. Although consumers are highly dependent on smart phones, they still want to use convenient payment methods, regardless of the process and security issues behind the transaction. Some retailers, including large fashion chain stores, pay more and more attention to ensuring that tech-savvy millennials have a smooth checkout process both in-store and online, so that they will not lose their sales groups because of complicated payment processes and security issues, and further strengthen customers' loyalty to products. This measure has a positive effect on social and economic development, because all GDP is the result of transactions completed through some payment method. For retailers, it is an effective way to attract new customers by establishing an efficient, fast and safe payment system at an appropriate time and place on the basis of existing relationships and establishing contact with customers.
Second, electronic payment promotes market consumption.
The Internet attracts researchers so much because it is an important promoter of human progress. As a consumer group that can adapt to the new technology, they have taken electronic payment as a shopping medium and become an indispensable shopping tool. Therefore, there is a new trend of online shopping and electronic payment among consumers. Relying on online shopping, electronic payment not only facilitates consumers' shopping, but also actively promotes market consumption.
It is found that money is valued in the economy because money, as an equivalent, overcomes various frictions caused by its non-existence, obtains various use values through exchange, and satisfies consumption desires. At the same time, money is very important because it can help agents overcome transaction costs. Sometimes, as a store of value, it allows better distribution of consumption across time. In any case, the circulation, payment and storage functions of money can not be ignored, and it is natural for people to have a sense of worship and cherish money.
E-commerce platform provides services such as door-to-door delivery, online payment and 7-day unreasonable return, which makes online shopping more and more close to people's lives. In the process of using electronic payment, people can't perceive the outflow of funds, so they don't feel cherished. On the contrary, they enjoy the happiness brought by consumer goods. So in this sense, electronic payment has promoted market consumption to a certain extent. Consumer demand is one of the troikas driving economic growth, and the increasing popularity of electronic payment has a far-reaching impact on total demand, thus driving economic growth. Electronic payment reduces consumption cost, and people can enjoy shopping without leaving home, which undoubtedly increases the choice opportunities for consumers and enterprises. These microeconomic changes play a role in the economy and ultimately affect the macroeconomic situation. Previous studies have shown that the payment method has a significant impact on the consumption quota, and the consumption quota paid in cash is higher than that paid by credit cards or vouchers. The reason is that the pain of cash payment is even worse, which makes consumers restrain their consumption behavior and reduces the possibility of excessive consumption. Generally speaking, the popularity of electronic payment is conducive to the rapid growth of consumption and economy in many ways.
Third, electronic payment changes consumption habits.
Take the fashion retail industry as an example. Consumers pay attention to their favorite brands on social media, browse online stores and even try on clothes in virtual fitting room. These technologies have become a reality. At this time, consumers only need to click a button to complete the payment, and sometimes the goods will even be delivered directly to them on the same day. This is a repositioning of the relationship between retailers and customers, which has changed almost every aspect of the shopping experience. Nowadays, many consumers are keen on online shopping instead of shopping in physical stores. Online shopping reduces the information search cost of consumers and changes their shopping habits. In the past, consumers needed to spend a lot of time shopping in physical stores on weekends. Now, they only need to quickly complete online selection and shopping payment during work breaks, which greatly shortens the shopping time and process. And online shopping can also enjoy the convenient service of direct home delivery. In recent years, technology companies such as Apple, Google and Samsung have been offering new payment methods for some time. By simplifying the payment process, they promised to strengthen and improve customer loyalty. Retailers have similar hopes. They are willing to accept one or more payment options in their entities or online stores to expand their payment scope.
Emerging technologies and changes in payment methods have created brand-new shopping experiences and constantly changed people's consumption habits. For example, due to the continuous development of the Internet, smart refrigerators are becoming more and more popular. "Smart" refrigerators can automatically monitor their filling level at any time, and when the products are about to run out, they can send a message to the owner and provide a shopping list. If this shopping list is confirmed, the shopkeeper only needs to make electronic payment for these items, choose a suitable place to pick up the goods, and all the needed goods will automatically appear in front of consumers. The days of finding shelves and queuing for payment must be numbered. The innovation of these technologies and payment methods not only changed consumers' behaviors and demands, but also constantly refreshed everyone's consumption habits.
Fourth, electronic payment affects consumers' preferences.
Under different payment methods, consumers have different product preferences. In the state of cash consumption, consumers are concerned about the cost of products. When people pay for goods and services in cash, they will carefully compare the costs and benefits, and consider many factors such as their income level, habits and hobbies, and the proportion of successful payment will drop sharply; Under the condition of electronic payment, consumers pay more attention to the utility of products. When using electronic payment to make a real purchase, consumers tend to pay more attention to the satisfaction after purchase, ignoring many factors such as cost, which is easy to increase the payment probability under the short-term impulse stimulation.
The payment method also has a great influence on the process of consumers' perception of products. Experiments show that when consumers start the concept of cash, they prefer products that are necessary for life. As a means of payment, money is exchanged for goods and services that satisfy desires. Once goods and services enter the consumption field, the use value will disappear, so consumers will carefully decide the purchase decision and pay rationally only when they meet the necessities of life; When the concept of credit card swiping is started, consumers prefer to promote products. Electronic payment makes consumers feel that there is no cash outflow, which is easy to breed illusions and increase the psychological pleasure of consumption, while ignoring the sense of thrift and the degree of cherishing the cost in payment.
When consumers see the same product in physical store shopping and online shopping, there are two typical scenarios: when shopping in physical stores, users are generally in a state of independent evaluation. Seeing this product recommendation advertisement, consumers have entered a state of "independent evaluation". At this time, he is concerned about whether the product itself is good, how it makes you feel, and whether the price is acceptable. The possible result is to complete the purchase directly through cash payment. If consumers enter transactional e-commerce companies such as Taobao and JD.COM, their psychology will change. In transactional e-commerce, users are generally in the state of "joint evaluation". At this time, pay more attention to the comparison of many commodities and find some information that interests you. For example, which store has a large sales volume, high praise and price. It can be seen that consumers only switch evaluation methods, but the criteria and preferences for selecting products have changed greatly.
Verb (abbreviation of verb) Conclusion China has become the largest mobile payment market in the world and will lead the world. Organizations at home and abroad, including the United Nations, are full of expectations for the arrival of a light cash society. The decline of credit cards and cash is inevitable, mobile payment and even biometric payment will become the mainstream, and the transaction efficiency and speed will be greatly improved. In the future, electronic payment will continue to attract consumers and have an important impact on consumer behavior.
The most popular electronic payment is what we know, WeChat red envelope, Alipay red envelope, and our most common QR code payment. Other ways include the open API interface of third-party payment institutions, and merchants can also realize internet electronic channel payment after accessing their third-party API interface. The most common way is to pay through the payment interface or QR code.
Give you the convenience we bring. What about those?
The first is our bank transfer and collection. Traditional business generally requires us to queue up in the bank to handle bank deposits, transfers and other related businesses. After the opening of electronic payment, customers can directly transfer money to the merchant's account without giving cash to the merchant. In addition, it is very troublesome and unsafe to carry a large amount of cash to handle business, but with electronic payment, money can be quickly and conveniently transferred to the account of merchants or counterparties.
With the emergence of counterfeit cash, counterfeit money has been accidentally received since the maturity of electronic payment, but these situations will not happen now. Both the payee and the payer are peer-to-peer secure bank accounts, and they can transfer money directly from electronic payment, which largely avoids the danger and loss of receiving Jia coins.
It takes a long time to collect money in different places, but now it can be realized directly by mobile phone, which greatly saves customers' time.
If a merchant's business volume is large, if a merchant receives a lot of customers' money, it can now operate in batches directly from the Internet.
Generally speaking, electronic payment greatly reduces the time and cost of handling cash business.
However, it is undeniable that the convenience of financial payment has improved our efficiency, and at the same time, the probability of many people entering fraud has greatly increased. With the development of credit cards and consumer finance, more people without self-control and financial planning have fallen into debt crisis.
Payment, also known as giving and paying, refers to payment, a financial exchange between buyers and sellers, and a process of monetary creditor's rights transfer caused by social and economic activities. Payment includes transaction, clearing and settlement.
Then payment is a digital financial tool, and the auxiliary tools derived from it include electronic payment, online payment, third-party deduction and so on, which play a very important role in the financial market.
Some people say that 2 1 century is a market for payment and consumption. Where there is supply, there is demand, and where there is demand, there is supply. Then payment is the bridge between supply and demand. In fact, it is not unreasonable. With the rise of online shopping, the growth of credit cards and electronic money, various third-party payments came into being, such as Alipay, Tenpay and Kuaiqian, which not only facilitated us, but also stimulated consumption.
It is an objective fact that the electronic payment mentioned in the question is convenient for us. It is a kind of consciousness to guide consumption, which is caused by people's subjective will. It can also be said to be composed of rational consumption and irrational consumption. For rational consumption, it is believed that income can balance expenditure and have enough confidence in the future, and vice versa.
So there is a contradiction on this issue. Nothing can decide anything, nothing can decide. Everything has its own natural laws of the market, including yin and yang, good or bad. The key is to look at the problem from what angle.
It's up to you to control your consumption.
The essence is to facilitate our consumption, and consumption in advance is the greed of human nature.