东南亚

read some pages about the payment in SEA,  the online payment depends on banks, if the bank service  has not reach the comsumer, the payment can't reach them .

电商严重依赖电子商务，在东南亚领域，对电子支付的普遍乐观预期，很多希望东南亚可以复制 支付宝和微信，但是忽略了一个事实，在支付宝和微信之前， 大陆在90年代和2000年初快速普及了银行服务。 就是借记卡和信用卡。 在银行服务普及之前，支付宝和微信支付都无法落地。  但是现实是，在东南亚，很多国家都银行服务都还没有达到普及，甚至没有过半。 很多国家超过70%的人没有银行服务。 这是东南亚电商最大的问题。

E-commerce relies heavily on online payments, and in Southeast Asia, there is widespread optimism about online payments, with many hoping that Southeast Asia can replicate Alipay and WeChat, but ignoring the fact that before Alipay and WeChat, the mainland quickly popularized banking services in the 1990s and early 2000s. It's debit and credit cards. Alipay and WeChat payments won't be able to land until banking services become widespread.  But the reality is that in Southeast Asia, banking services in many countries have not yet reached universal, or even more than half. In many countries, more than 70 per cent of people do not have banking services. This is the biggest problem of e-commerce in Southeast Asia.