You can use a credit card without an internet connection as well. The transactions are just stored until a connection is made. But with that being said I don't

You can use a credit card without an internet connection as well. The transactions are just stored until a connection is made. But with that being said I don't think China has the same fraud problems that the United States and to a large extent the West does. You can build insecure apps in China because nobody is trying to steal money from them like they do in the U.S. or something.