Lai Yang, secretary general of the Beijing Institute of Business Economics, said that in the 1990s, the credit card in the country, but using a very low percentage, do not trust, nor convenient. In Japan, the

seventies of the last century, the proportion of credit card spending has been high.

Today, the proportion of credit card spending is very high, one hand, the consumers themselves by trying dared to use. Another is to improve the convenience of credit card spending to make payments, credit card spending to the bank to save money now online transfer, savings card can also be locked, but also specialized equipment, the repayment terms of repayment.

Capital University of Economics and Professor Chen Liping, cash register model of development, the overall direction is to allow consumers more convenience, heightened awareness of both services is also inseparable from advances in information technology. Today, foreign supermarkets to promote self-help credit card, cart tops POS machines, the customer is very convenient to use, department stores can learn from.

Future payment to break the boundaries of the various payment methods, such as consumers do not need to bring anything you can pay, no matter where, can be a platform to pay. "Lai Yang said that in foreign countries, the popularity of mobile payment is increasing. In Europe, some shops have been using fingerprint payment. At present, the mode of payment innovations on the domestic than the lag, this is because the domestic banking sector monopoly in the payment, and management, there are many policies bottleneck, limiting the payment flexibility. Too restrictive, opened a bigger gap with the international exploration, the later, the development will be more lag.

Contradiction has long existed between

merchants and banks on fee, the root also is the monopoly of the domestic banks, foreign financial agreement, the United States in addition to VISA, MasterCard, there are American Express, do but one of the country, only CUP in fee, CUP is a strong, others are relatively weak. Therefore, the domestic business is saying there is no bargaining rights, the cost is too high, some businesses are not even want to use.