Kalozera wa Nkhani
M'dziko lathu—ku China—mungathe kugula ndiwo zamasamba pogwiritsa ntchito Alipay ndi WeChat Pay.
Ophunzira azaka zapakati pa 7 ndi achikulire omwe ali ndi zaka 80 onse akugwiritsa ntchito kulipira kwa mafoni.
Kaya ndi musitolo yayikulu kapena ogulitsa mumsewu, nambala ya QR ya Alipay ndi nambala ya QR yolipirira ya WeChat ndizofunikira, zomwe zikuwonetsa kuchuluka kwa zolipira zam'manja ku China.
Mutu wa lero ndi wakuti: N’chifukwa chiyani kulipira pafoni sikufala kwambiri ku United States kuposa ku China?
Ndikukhulupirira kuti mutawerenga nkhaniyi, simudzakhalanso ndi funso ili, tiyeni tiyang'ane pamodzi.
Ngakhale kuti anthu aku America akudalira kwambiri mafoni a m'manja, anthu ambiri sagwiritsabe ntchito mafoni awo kuti azilipira.Komabe, m’maiko ena zinthu nzosiyana kotheratu.
China ndi India achitira umboni kulandila kwachangu kwa kulipira kwa mafoni a m'manja, monga China komwe kulipila kwa mafoni kudaposa 80% yazogula zonse chaka chatha.Ku US, kugwiritsa ntchito pulogalamu yayikulu yolipirira mafoni ndi yochepera 10%.
Zolipira zamalonda zam'manja nthawi zambiri sizipezeka ku US
Pankhani yolipira mafoni, ogula aku America sasowa zosankha. Apple Pay, Google Pay, Samsung Pay, PayPal, Venmo, Square Cash, Zelle ndi makampani ena atsopano omwe akufuna kusokoneza mndandandawu.Koma kuti zitheke kugwiritsa ntchito izi, mabizinesi monga malo ogulitsira khofi ndi malo ogulitsira amafunikira zida zoyenera.
Ku U.S., kugula zinthu mwachizoloŵezi kudakalipobe, ndipo ndalama zogulira makadi a ngongole ndi zoposa 80 peresenti ya zinthu zonse zimene anagula chaka chatha.
PayPal ndiye njira yotchuka kwambiri yolipirira yosakhala kubanki, yosankhidwa ndi 40% ya ogwiritsa ntchito, koma PayPal imagwiritsidwa ntchito kwambiri pakulipira pa intaneti. Malipiro a Apple anali 9% ya malipiro onse.
Ochita malonda amayenera kukwaniritsa malire ena kuti aganizire kusintha kwathunthu ku malipiro a mafoni, osachepera 90% amalonda ayenera kuvomereza, kotero 1% ya ogula akhoza kusintha zizoloŵezi zawo.
Malo olipira mafoni akusowa ku US
Makhadi a ngongole amapikisana ndi makasitomala pobweza ndalama ndi mphotho zapaulendo, ndipo ogula amatha kugwiritsa ntchito kirediti kadi imodzi kulipirira gasi, imodzi yamwayi, ndi ina yoyendera, kutengera mphotho ndi ndalama zomwe angalandire pogula,
Kusamutsa njira zolipirira kuzipangizo zam'manja sikophweka
Malinga ndi eMarketer, ndi pulogalamu yolipira yomwe imagwiritsidwa ntchito kwambiri ku US yokhala ndi ogwiritsa ntchito 2340 miliyoni, Apple Pays 2200 miliyoni ndi Google Pays 1110 miliyoni.
Mlandu wogwiritsa ntchito ndiwodziwikiratu kwa Starbucks kotero kuti mwina simunakhalepo pa Apple Pay kapena Google Pay.
Khadi la ngongole latsopano la Apple Goldman Sachs adapangidwa ali ndi lingaliro limenelo.
- Imapereka ndalama zokwana 3% pogula zinthu za Apple ndi 2% kubweza ndalama pazogula zonse zokhudzana ndi Apple;
- Komanso kubweza ndalama 1% pazogula zina.
- Mphothozi zimaperekedwa tsiku lomwelo.
"Apple Card yakuthupi ibweretsa ndalama ku mapulogalamu am'manja, Apple Pay," katswiri waku US adatero. "Sicho chifukwa chokha chomwe Apple ikuyambitsa khadi iyi, koma ibweretsa ndalama ku chilengedwe chonse."
Pambuyo powerenga, ziyenera kuwonekera kwa aliyense: chifukwa chiyani kulipira mafoni ku United States sikuli kofala ngati China?
Chifukwa chake, palibe dziko lomwe lingapambane kotheratu m’mbali iriyonse, ngakhale dziko lotukuka la United States.
Palinso malo ambiri ku China omwe akukula mwachangu kuposa United States.Mukuganiza bwanji pankhaniyi?Mwalandiridwa kusiya ndemanga zanu pansipa.
Ndikukhulupirira kuti nkhani yakuti "Chifukwa Chiyani US Sagwiritsa Ntchito Kulipira Kwa Foni? Mudzamvetsa Mukawerenga Izi - China Ikutsogolera Padziko Lonse," yomwe idagawidwa pa blog ya Chen Weiliang ( https://www.chenweiliang.com/ ), idzakuthandizani.
Khalani omasuka kugawana ulalo wa nkhaniyi: https://www.chenweiliang.com/cwl-15751.html