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使用移动支付更便捷,花得可能也更多

2018年即将结束,各类节日纷至沓来,不少人开始为家人朋友购置礼物,而手机支付也逐渐成了绝大多数人习惯的付款方式。

据统计,目前约有一半的美国手机用户使用某种形式的移动支付,而到2020年,这个数字预计会增加到90%。

而在中国,移动支付的应用更是相当普及。

不过,美国伊利诺伊大学的研究人员的一份研究却发现,移动支付虽好,但也可能导致人们的整体支出走高。据统计,使用移动支付的用户,其交易量比实体信用卡用户的交易量增加了23%,总支出增加了2.4%。

人们总是在不知不觉中,因为购买食品、饮料、电影票等低消费产品时导致自己花销超标。

此外,移动支付还存在其他的一些安全隐患。比如手机失窃可能会导致关联银行账户资金被盗,因此手机和账户密码强度非常值得注意。

此外,使用公共WiFi联网也会增加手机被黑客攻击的可能性。

最后,恶意软件的作用也不容小视。大多数Android手机都存在恶意软件或骗局应用程序的风险,这些应用程序可能会让黑客轻松访问您的手机,因此请小心下载内容。

The holiday shopping season is in full effect, and many buying gifts this year are using their phones to pay for some of those items.

More and more people are utilizing the likes of Apple Pay and Samsung Pay, but there's a warning for buyers -- paying with your phone could lead to you spending more money.

Right now, about half of Americans with cell phone use some form of mobile payments. But that number is expected to grow to 90 percent by 2020.

It's already the most popular type of payment in the biggest cities in China, where a new study found once people there adopted mobile pay into their everyday lives, their spending went up.

Researchers from the University of Illinois found that people using mobile payments made 23 percent more transactions than they did with physical credit cards, and their total amount spent increased 2.4 percent.

People mostly spent the extra money on low cost items like food and beverages, as well as entertainment items like movie tickets and travel.

Mobile payments are convenient, and researchers predict the trend could lead to people doing away with physical credit cards all together.

If you plan to try it out, there are some security concerns to look out for -- like if your phone is lost or stolen. That's like losing your card, so make sure you have strong passwords in place on your phone and accounts.

Second, be careful about apps that use public Wi-Fi. It could leave you vulnerable to hackers.

Also, be on the look out for malware. Most Android phones are at risk for malware or scam apps that could give hackers easy access to you phone, so be careful what you download.

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