Another factor in China is that people all ready use WeChat to make payments to each other (http://uk.businessinsider.com/wechats-p2p-usage-is-massive-2016-12 h

Another factor in China is that people all ready use WeChat to make payments to each other (http://uk.businessinsider.com/wechats-p2p-usage-is-massive-2016-12 http://uk.businessinsider.com/wechats-p2p-usage-is-massive-2...). Hence, it was a natural progression to allow payments to businesses which is where chatbots came in.