Also lived in China for a few years, and all of this is definitely true. Quite often I would be stood in line waiting while people try and load their QR codes o

Also lived in China for a few years, and all of this is definitely true. Quite often I would be stood in line waiting while people try and load their QR codes on WeChat with their awful internet, and then after scanning the QR code have to wait while the person confirms the payment went through. Most of the time it would've been 10x quicker to just use cash. For them it may seem convenient as they've never experienced contactless bank cards, and they don't particularly care about the other people in the queue. One thing to remember is that Chinese banks are seriously shit. The mobile app is terrible. You need to install software just to login online. You struggle even making domestic transfers. You can't pay for anything online unless you have a credit card. And going into a bank in person has to be one of the worst experiences you can have; you'll be there for at least an hour, and most likely the person you speak to has to ask their manager at every opportunity which form to go and get for you. Damn it sucks, so no it's no surprise things like WeChat pay are a success in China.