Chapter 678 Mobile Payments

In today's world, the decline of some developed countries in the world is actually inevitable, such as the United States, which won the Cold War in World War I and World War II, has hundreds of overseas bases around the world, and there are American fleets in every ocean, but today's United States will eventually decline.

In the field of new technology and the Internet, the United States seems to be prosperous, but under the prosperity, there are all kinds of worries.

For example, there is a question: who is the most profitable global operator? The profitability of the American counterparts is 15 times that of the Chinese counterparts, and this kind of profitability is indeed very powerful.

As for the reason for profitability, take the number of 4G base stations that have been popularized in the world since the previous year, as of this year, the number of base stations of Huaguo Mobile has more than 1.5 million, accounting for 34 of the number of 4G base stations in the world, in addition to more than 800,000 of Unicom, more than 900,000 of Telecom, and the three together account for about 55 of the number of 4G base stations in the world.

The combined number of base stations of all operators in the United States is less than 300,000, of which ATT is only about 60,000, and operators like Tmobile, which ranks fourth, have less than 5,000 4G base stations.

The land area of the United States is about 8 million square kilometers, which is equivalent to about 70 of China, but the number of 4G base stations is not even one-tenth of that of China.

In the huge land of the United States, how to distribute only 60,000 4G base stations like ATT?

The answer is actually very simple, only deploy to places with dense personnel and many users, and areas with low user density will basically not be covered.

This ensures high revenues and eliminates significant O&M overhead. China's three major operators want to cover 4G to almost every corner of the country, even in no man's land, 4G Internet access is also guaranteed; It is this difference in strategy that leads to the huge disparity in base station revenue.

China's broadband household connectivity rate is above 88, while the U.S. household broadband penetration rate is less than 50; China's wireless communication coverage rate is more than 96, and the United States has no signal when it goes out of the city.

What about this part of the market? After Star Communications intervened, after giving a part of the profits to the communication operators in the United States, it soon occupied this part of the market, so that those communication capitals naturally have no incentive to build rural base stations.

Star communication is so profitable, in fact, it is also a comprehensive consideration of group interests, the capital group in the Western world is so "pit", Yang Yi did not expect that in modern times, communication is already one of the foundations of a country, which can also be used to make profits?

This is also Yang Yi resolutely decided to spend a huge investment, the purpose of the construction of quantum communication projects, see this part of the market, not to take it is really bad, although the investment is large, but the profit is also large, a investment, lifelong benefits, hundreds of billions of yuan of investment, it will take less than five years to recover all of them, and then the investment in maintenance is actually very small.

This is not in conflict with the group's grand strategy, since WeChat began to promote mobile payment the year before, the annual subsidy strategy is more than one billion yuan, and therefore more than the next Ahri and Penguin series, especially in foreign countries, a small parameter setting, the use of WeChat payment is more smooth and convenient than others.

Of course, this is when the signal of star communication is used, but many regions abroad are now using star communication, and the speed of development is much better than Yang Yi originally envisioned.

If there is no star communication, the promotion of mobile payment in foreign countries will not be so rapid, after all, if you let him use wireless payment, he must also have a signal!

Last year, it was reported that the United Kingdom has not supported the development of star communication in its own country, so it is planned to allow mobile phone users to enjoy "4G" signals on the London Underground in the "mid-20s of this century"!

This is the helplessness of being controlled by capital, the British know that communication is one of the fundamentals of a country, but they do not have the ability to build a large scale in the country, it is only 12 years now, and the British construction plan is more than ten years later, and this is only in the subway.

This is also one of the victorious countries in World War II, and one of the most influential countries in the global order today, but it has fallen into this situation.

Britain is indeed out of money, in the issue of genes, was a hard pit, the UK is not rich in resources, can only take real money to buy, and now even the urban area of the 4G base station can not afford to build.

Wireless payment must first be supported by wireless network, without wireless network, there is no way to achieve wireless payment.

Credit cards used in Europe and the United States are very convenient, but they are far less convenient than QR codes!

For example, in some scenarios, if you want to ride a shared bicycle, you can scan a credit card and try it. You can't use a credit card to buy groceries at the vegetable market, go to have an early meal and transfer money to someone face-to-face.

Some science fiction sets up that if China breaks through the controllable nuclear fusion technology in a certain year, and the nuclear fusion power station is officially connected to the grid for power generation in the following years, Huaguo starts the technological innovation of the whole industry with this technology, and starts a series of strategic actions in the international cooperation with domestic policies.

In fact, in reality, when the first group of micro nuclear fusion plants in Sulawesi was connected to the grid for power generation, the world was unusually calm, but there were many voices of opposition.

To say that the biggest impact in reality is actually because of the energy breakthrough, a large number of consortia took advantage of this opportunity to short in the international oil and other futures markets; Not only the starry sky, but also many American and European conglomerates are also involved, targeting the US government and those countries that are based on oil.

Now that the Star Group is in the international arena and has taken advantage of it, it naturally has the support of China, Chen and Russia, and Western countries are also actively trying to make trouble, but most of them have been resolved by the tripartite alliance, and at most they can only delay time.

However, the attitude of developed countries on the surface is still very calm, and in the international arena, that is, at the beginning, a silent exercise disappeared; In fact, this is a fighting method at the national level, which is difficult for ordinary people to understand, and sometimes they can't see it; The promotion of a technology is often continuous and phased, and QR code payment and nuclear fusion and quantum communication are actually the same level of technology at a certain level.

The calm attitude of those developed countries today is actually very normal, and they have their own systems and ideas and national conditions.

Before nuclear fusion technology, in the past ten years, various new technologies have actually emerged in an endless stream, what are the advantages of nuclear fusion, the cost of electricity has dropped significantly, it is nothing more than the cost of electric vehicles is lower, and cold areas can also directly use electricity for comprehensive heating; In the eyes of ordinary people, this is not the same as the popularity of QR code payment, making life more convenient and efficient.

So, to a certain extent, these technologies are at one level, and in the eyes of people who don't understand technology, these are the same as QR codes, and there is no technical difficulty for Western developed countries.

Naturally, the common people of the developed countries in the West are very calm, and simply attribute everything to the fact that the SCO member countries led by China have mastered nuclear fusion technology, then the top leaders of the developed Western countries led by the United States believe that they can also master nuclear fusion technology in five to 10 years, and then naturally they will not shake the foundation of the Western capitalist world.

In the eyes of the Americans, you are launching new aircraft carriers and building a new fleet in the Indian Ocean, but does your navy have more experience than me, do you have more aircraft carriers, and do you have more bases?

So is it necessary for my world boss to jump up and down because of some of your small improvements?

However, on the eve of Christmas, the SCO meeting decided that the next plan is to officially start the construction of the space elevator project, which will take at least three years and a total investment of more than one trillion yuan under the division of labor and cooperation of all member states such as China.

This has seized the lifeline of the developed countries of the West, such a project can only be built if China takes the lead, once completed, this space age will be China's, and it has nothing to do with the West, or the West will be led.

At this time, the mass accelerator of the US-led NATO member states was still just a blueprint, and the two sides actually announced their plans to step into the stars at the same time.

Many media say that this is another "Star Wars" scam that is the same as in the Cold War era, but waiting for the SCO members to officially start building a space elevator, only then do they know that it is true, and the rest, whether it is quantum communication or nuclear fusion, are only ancillary projects, and now it seems that the elevator is only close to completion!

Looking at this series of problems from a macro perspective, the QR code can really only be regarded as a very small thing, with or without a QR code, the United States will live well, no matter what you say, it will still calmly dominate the world.

But there are many points in this series of plans that are interlocking, and no one will notice them unless they reach the final stage of the plan.

1. The quantum communication project, which seems to be a money-making project, has caused a great burden to the Star Group, and the expansion plan seems to be all at a standstill; However, when the project was completed, it solved many problems (such as dividing countries, forming alliances of interests, etc.).

2. Because of the quantum communication project, with the gradual popularization of electronic payment and mobile payment, the cashless society seems to have become the norm, and the security of the whole society has improved a lot, because no one carries cash, so robbers and thieves have also lost the means of livelihood and reduced the overall internal friction.

3. All the advantages of QR code promotion and simplicity of use are incomparable to credit cards, only in the SCO member states, this is another unification of currency payment in a certain sense, the disadvantages of unbalanced regional development are directly erased, high-end shops, street shops, roadside stalls payment unification.

It has not only brought about the promotion of consumption, but also led to the development of countless related industries, and even saved many traditional industries; Of course, the payment innovation and the electronic information industry, the development of the logistics industry is carried out at the same time, complement each other, this is a special era.

Of course, an important reason why the developed countries controlled by Western capital still have not given up on credit cards is that the snobbery of the interest groups is too great, which hinders the use of wireless payment.

Credit card companies charge a fee of 3 per card swipe, which is a large amount of income for capital, and there is also a lot of resistance to the promotion of mobile payments within the SCO, and all traditional banks are also fully opposed.

In the end, it is the government forces of various countries that forcibly promote, so that there is the convenience of today's mobile payment, and abroad, in fact, is now gradually reforming, compared with the zero handling fee of mobile payment, or at most one thousandth of the handling fee, the disadvantage of credit cards is too great, so this year has been gradually lowered, most banks have been adjusted to about 1.5, and some small banks have been down to about five thousandths.

However, compared with the mobile payment led by the starry sky, it is still a significant disadvantage, and banks in some regions have begun to access mobile payment, choosing the channel of mobile payment, and the handling fee will naturally be consistent.

Unlike in the early days, large subsidies are different, and now mobile payment has begun to charge in disguise, of course, this is for large merchants, such as WeChat, which has now reduced the user's monthly free cash withdrawal limit to 100,000 yuan, which has screened out most of the small merchants.

More than 100,000 yuan is one thousandth of the handling fee, of course, the upper limit is 100 yuan, but because of the convenience for ordinary people, there is no change, and now the stars have announced that the future plan may only increase, not decrease, that is, the withdrawal limit may be increased in the future.

Like Alipay, the wealth management project has been launched, but the interest will be a little less, and Alipay is now unlimited, WeChat's daily interest is generally about 2/10,000, which is less than twice as much as the current Alipay.

But WeChat's user base and mobile payment frequency are now about five times that of Alipay, especially in remote areas, where Alipay is far from comparable.

The currencies of various countries are also because of mobile payment, which is basically very convenient to exchange, and users do not pay attention to the few decimal places of the exchange rate difference most of the time, and this is actually not important when it comes to small payments.

From the gradual universalization of the currency to the unification, this is also the reason for the support of the state, otherwise those banks will interfere, but this is for the sake of the overall situation, and the banks should be sacrificed.

After all, if the user's money wants to be deposited in the mobile payment platform, it has to go through the bank's channels, and the channels of the construction bank are very huge, and the banks are just maintaining the business halls around the country is very huge, and Huaguo is fortunately, in the United States, ATMs also have a break.

Because of the internal involvement, the stars don't mind sharing some benefits to go out to divide, which actually causes the seeming calm of foreign consortia, but the internal turmoil does not know when it may rise again.