Papa Kuhikuhi ʻatikala
I ko mākou ʻāina - Kina, hiki ke ʻōlelo ʻia hiki iā ʻoe ke kūʻai i kahi mea kanu ʻōmaʻomaʻo a hoʻohanaAlipayaHāʻawi iā WeChat.
Ke hoʻohana nei nā haumāna ma kahi o 7 mau makahiki a me nā makahiki he 80 i ka uku kelepona.
Inā i loko o kahi hale kūʻai nui a i ʻole kahi mea kūʻai alanui, he mea nui ka Alipay QR code a me kahi WeChat uku QR code, e hōʻike ana i ka laha o nā uku kelepona ma Kina.
ʻO ke kumuhana o kēia lā ke kumuʻOʻAmelika HuipuʻiaʻAʻole maʻamau e like me ka uku kelepona ma Kina?
Manaʻo wau ma hope o ka heluhelu ʻana i kēia ʻatikala, ʻaʻole ʻoe e loaʻa hou kēia nīnau, e nānā pū kāua.
ʻOiai ke hilinaʻi nui nei ka poʻe ʻAmelika i nā smartphones, ʻaʻole hoʻohana ka hapa nui o ka poʻe i kā lākou mau polokalamu kelepona e uku.Eia naʻe, ma nā ʻāina ʻē aʻe, ʻokoʻa loa ke kūlana.
Ua ʻike ʻo Kina a me India i ka lawe wikiwiki ʻana i nā uku kelepona, e like me Kina kahi i uku ʻia ai nā uku kelepona ma mua o 80% o nā kūʻai āpau i ka makahiki i hala.Ma US, ʻo ka hoʻohana ʻana i ka polokalamu uku kelepona nui ma lalo o 10%.
ʻAʻole kākoʻo ʻia nā uku kelepona kelepona ma US
I ka wā e pili ana i nā uku kelepona, ʻaʻole pōkole nā mea kūʻai aku o ʻAmelika i nā koho. ʻO Apple Pay, Google Pay, Samsung Pay, PayPal, Venmo, Square Cash, Zelle a me nā hui hou e nānā nei e hoʻopau i kēia papa inoa.Akā no ka hoʻokō ʻana i kēia mau noi, pono nā ʻoihana e like me nā hale kūʻai kofe a me nā hale kūʻai kūʻai i ka lako pono.
I ka US, ke pāʻani nei ke kūʻai maʻamau, me ka hoʻolilo ʻana i ke kāleka hōʻaiʻē i ʻoi aku ma mua o 80 pakeneka o nā kūʻai āpau i ka makahiki i hala.
ʻO PayPal ka mea kaulana loa i ka uku kālā ʻole, koho ʻia e 40% o nā mea hoʻohana, akā hoʻohana nui ʻia ʻo PayPal no nā uku pūnaewele. Loaʻa nā uku Apple no 9% o ka huina kālā.
Pono nā mea kālepa e hoʻokō i kekahi paepae e noʻonoʻo ai i ka hoʻololi piha ʻana i nā uku kelepona, ma kahi o 90% o nā mea kūʻai aku pono e ʻae, no laila hiki i ka 1% o nā mea kūʻai ke hoʻololi i kā lākou mau maʻamau.
Ua nele ʻo ʻAmelika i kahi hiʻohiʻona uku kelepona
Hoʻokūkū nā kāleka hōʻaiʻē no nā mea kūʻai aku me ke kālā hoʻihoʻi a me nā uku huakaʻi, a hiki i nā mea kūʻai ke hoʻohana i hoʻokahi kāleka hōʻaiʻē e uku no ke kinoea, hoʻokahi no nā hanana, a ʻo kekahi no ka huakaʻi, ma muli o ka uku a me ke kālā i loaʻa iā lākou ma ke kūʻai ʻana.
ʻAʻole maʻalahi ka hoʻololi ʻana i nā ala uku i nā polokalamu kelepona
Wahi a eMarketer, ʻo ia ka app uku hoʻohana nui loa ma US me 2340 miliona mau mea hoʻohana, Apple Pays 2200 miliona a me Google Pays 1110 miliona.
Akaka loa ka hihia hoʻohana no Starbucks a ʻaʻole paha ia i noho no Apple Pay a i ʻole Google Pay.
Ua hoʻolālā ʻia ke kāleka hōʻaiʻē hou a Apple ʻo Goldman Sachs me kēlā manaʻo.
- Hāʻawi ia i 3% kālā hoʻihoʻi ma nā kūʻai huahana Apple a me 2% kālā hoʻihoʻi ma nā kūʻai āpau pili Apple;
- E like me ka hāʻawi ʻana i 1% kālā hoʻihoʻi ma nā kūʻai ʻē aʻe.
- Hāʻawi ʻia kēia mau makana i ka lā hoʻokahi.
"E lawe mai ka Apple Card kino i ka wai i nā polokalamu kelepona, ʻo Apple Pay," i ʻōlelo ai ka loea US. "ʻAʻole ʻo ia wale nō ke kumu e hoʻomaka ai ʻo Apple i kēia kāleka, akā e lawe maoli ia i ke kālā i ke koena o ke kaiaola."
Ma hope o ka heluhelu ʻana, pono e maopopo i nā mea a pau: no ke aha ʻaʻole like ka uku kelepona ma ʻAmelika e like me Kina?
No laila, ʻaʻole hiki i kahi ʻāina ke ʻoi loa i kēlā me kēia ʻano, ʻo ia hoʻi ʻo ʻAmelika Hui Pū ʻIa.
Nui nō hoʻi nā wahi ma Kina e ulu wikiwiki ana ma mua o ʻAmelika Hui Pū ʻIa. Pehea kou manaʻo no kēia?Hiki iā ʻoe ke waiho i kāu manaʻo ma lalo.
Hope Chen Weiliang Blog ( https://www.chenweiliang.com/ ) kaʻana like "No ke aha ʻaʻole hoʻohana ʻo US i nā uku kelepona?Ma hope o ka heluhelu ʻana, e hoʻomaopopo ʻoe ua alakaʻi ʻo Kina i ka honua", e kōkua iā ʻoe.
Welina mai e kaʻana like i ka loulou o kēia ʻatikala:https://www.chenweiliang.com/cwl-15751.html
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