Of all 295 participants, 107 were male (36.3%) and 188 were female (63.7%). Most of the participants were between 18-24, accounting for 87.8%. 94.9% of the individuals were college graduates and above. Taking into account the characteristics of mobile payments, this unbalance is reasonable, because the majority of the mobile payment users are usually young and well educated, who will accept new technology quickly [21]. 50.8% of the participants have been using mobile payment for 2-4 years, only 5.8% have been using mobile payment less than 1 year. The vast majority of the participants used WeChat and Alipay. C