This might not be common in the US but a huge majority of South East Asian countries still do not have a bank account. That is why Alipay/Wechat is going to be

This might not be common in the US but a huge majority of South East Asian countries still do not have a bank account. That is why Alipay/Wechat is going to be beneficial for these people as they have a mobile phone despite not having a bank account. Disclaimer: I am working on a solution for the 'underbanked'