It is a poorly written article. The biggest risk is never about the social disadvantaged groups that could be marginalised by mobile payment, Alipay and Wechat

It is a poorly written article. The biggest risk is never about the social disadvantaged groups that could be marginalised by mobile payment, Alipay and Wechat have all business motivations and resources to get them sorted. Just look at how Didi paid both taxi users and drivers money to use its app a few years back. Don't have a mobile phone to use Alipay? Surely Alibaba can get you one with pre-loaded ads and Alipay - cheapest brand new 4G android phone on taobao.com is $30. Don't know how to use it? Surely they can get someone to teach you in person - average hourly wage is just $4! The real risk is the fact that Alipay and Wechat can now ban anyone from having a normal life in China - they can suspend your alipay and wechat accounts and you are totally screwed.