An interesting thing that comes up a lot in conversations with end users in payments: some folks feel much more comfortable with push payments or other mechanisms which are structurally guaranteed to be one-time unless user acts to put more money into a relationship.
In the U.S. this is often associated with lower socioeconomic status; in Japan it's often folks across the spectrum who don't want to give credit card number because they believe that it will either leak or be repeatedly charged in a way which is against their expectations.
(This is one reason why Japan continues to have a huge share of e-commerce conducted via convenience store payments. You're guaranteed to not pay more than what was on the invoice unless you walk down to conbini and hand cashier more cash (after another invoice).)
If you've never seen a convenience store payment here's a handy YouTube tutorial for the user side of it:
(Video in Tagalog with English subtitles; you'll note this infra is important to make e-commerce accessible for those who might not be banked here.)
(Video in Tagalog with English subtitles; you'll note this infra is important to make e-commerce accessible for those who might not be banked here.)
Incidentally, pip pip for technology for helping folks on the move: computers are structurally more multilingual than staff and are basically infinitely patient if you need to e.g. watch a video walkthrough while doing a transaction to complete it.
Rarely hear this mentioned.
Rarely hear this mentioned.
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