Waa maxay sababta Maraykanku aanu u isticmaalin lacagaha mobilada?Markaad akhrido, waxaad fahmi doontaa in Shiinaha uu hoggaamiyo adduunka

Wadankeena - Shiinaha, waxaa la odhan karaa waxaad isticmaali kartaa khudrad kasta oo aad iibsato.AlipayOoBixinta WeChat.

Ardayda da'doodu ka yar tahay 7 sano iyo waayeelka 80 jirka ah ayaa dhamaantood isticmaalaya lacag-bixinta moobiilka.

Haddi ay tahay dukaan weyn ama iibiye waddo, koodka Alipay QR iyo koodka lacag bixinta WeChat ee QR waa lama huraan, kaas oo tusinaya lacag bixinta moobaylka ee Shiinaha.

Mawduuca maanta waa sababtaMareykankaMa aha wax caadi ah sida lacag bixinta mobaylada ee Shiinaha?

Waxaan rajeynayaa in markaan akhriyo maqaalkan, inaadan haysan doonin su'aashan, aan si wadajir ah u eegno.

Iyadoo dadka Maraykanku ay si isa soo taraysa ugu tiirsan yihiin talefannada casriga ah, haddana dadka intooda badan weli ma isticmaalaan qalabkooda gacanta inay lacag ku bixiyaan.Si kastaba ha ahaatee, wadamada kale, xaaladdu gabi ahaanba way ka duwan tahay.

Shiinaha iyo Hindiya ayaa goob joog u ahaa qaadashada lacagaha talefannada casriga ah si degdeg ah, sida Shiinaha oo lacagaha mobiladu ay ka ahaayeen in ka badan 80% dhammaan wax iibsiga sannadkii hore.Dalka Maraykanka, isticmaalka abka lacag-bixinta mobaylka ee ugu wayn waxa uu ka hooseeyaa 10%.

Lacag-bixinta mobaylada baayacmushtarka guud ahaan lagama taageero Maraykanka

Markay timaaddo lacag-bixinta moobilka, macaamiisha Maraykanku kuma yara fursadaha. Apple Pay, Google Pay, Samsung Pay, PayPal, Venmo, Square Cash, Zelle iyo shirkado kale oo cusub oo raadinaya inay carqaladeeyaan liiskan.Laakiin si loo habeeyo codsiyadan, ganacsiyada sida dukaamada qaxwada iyo dukaamada tafaariiqda waxay u baahan yihiin qalab sax ah.

Dalka Maraykanka, wax iibsiga dhaqameed ayaa weli ku jira ciyaarta, iyadoo kharashka kaadhka deynta weli lagu xisaabinayo in ka badan 80 boqolkiiba dhammaan iibsigii sannadkii hore.

PayPal waa habka ugu caansan ee lacag bixinta aan bangiga ahayn, oo ay doorteen 40% isticmaalayaasha, laakiin PayPal inta badan waxaa loo isticmaalaa lacag-bixinta internetka. Lacag-bixinta Apple waxay ka dhigan tahay 9% wadarta lacag bixinta.

Ganacsatadu waxay u baahan yihiin inay la kulmaan heer go'an si ay uga fikiraan beddelka buuxa ee lacagaha mobilada, ugu yaraan 90% ganacsatadu waxay u baahan yihiin inay aqbalaan, markaa 1% macaamiisha way bedeli karaan caadooyinkooda.

Goobta lacag bixinta mobaylada ayaa ka maqan Maraykanka

Kaadhadhka amaahdu waxay ku tartamayaan macaamiisha iyagoo haysta lacag caddaan ah iyo abaal-marin safar, oo macaamiishu waxay isticmaali karaan hal kaar si ay u bixiyaan gaaska, mid shil ah, iyo mid kale safarka, taas oo ku xidhan abaalmarinta iyo lacagta caddaanka ah ee ay ku heli karaan iibsashada.

U wareejinta hababka lacag bixinta aaladaha moobaylka ma fududa

Marka loo eego eMarketer, waa app-ka lacag-bixinta ee loogu isticmaalka badan yahay Maraykanka oo leh 2340 milyan isticmaale, Apple Pays 2200 milyan iyo Google Pays 1110 milyan.

Kiiska adeegsigu aad buu ugu muuqdaa Starbucks oo laga yaabo inaysan weli u jirin Apple Pay ama Google Pay.

Kaarka deynta cusub ee Apple Goldman Sachs waxaa loogu talagalay iyadoo maskaxda lagu hayo.

• Waxay bixisaa 3% lacag caddaan ah iibsashada alaabta Apple iyo 2% lacag caddaan ah dhammaan iibsiyada la xiriira Apple;
• Iyo sidoo kale bixinta 1% lacag caddaan ah iibsiyada kale.
• Abaalmarintan waxaa la bixiyaa isla maalintaas.

 "Kaarka Apple-ka jireed wuxuu u keenayaa qulqulka abka mobaylada, Apple Pay," khabiirka Mareykanka ayaa yiri. "Taasi maaha sababta kaliya ee Apple ay u bilaabayso kaarkan, laakiin waxa hubaal ah inay lacag u keeni doonto inta ka hartay nidaamka deegaanka."

Ka dib marka la akhriyo, waa in ay u caddahay qof walba: waa maxay sababta lacag-bixinta moobiilka ee Maraykanka aysan u badnayn sida Shiinaha?

Sidaa darteed, ma jiro waddan si buuxda uga gudbi kara dhinac kasta, xitaa Maraykanka ee horumaray.

Waxa kale oo jira meelo badan oo Shiinaha ka mid ah oo si ka xawli badan u koraya marka loo eego Maraykanka, maxaad u malaynaysaa arrintan?Waxaa lagugu soo dhawaynayaa inaad faallooyinkaga ku reebto xagga hoose.