上海に未来の街を見る

こんにちは、北見尚之です。

先日出張で行った上海、毎年行くのですが、その街の発展の変化の速さには驚かされます。
リニアモーターカーが走り、綺麗に整備された街並みがあり、行くごとにその様相を変えていますが、日本の一歩先を行く街であると思わせることがありました。驚いたことに現金を使用する人を見かけなくなったことです。ほとんどのお店のレジには、WeChatとAliPayのQRコードが表示しており、スマートフォンでの支払いができるようになっているのが一般的となっています。

給料が振り込まれる銀行口座と直結し、キャッシュレスな生活が現実となっているのです。案内してくれた友人も、現金はもう持ち歩かないのが一般的、すべてスマホで決済できると言います。じつは日本にも似たようなシステムがあります。Suicaに代表される電子マネーです。

つまり、中国、上海で普及したスマホ決済は電子マネーと基本的に同じシステムであり、現在普及中の仮想通貨ではありません。ですが、中国の「電子マネー」は、日本をはるかに上回る普及をみせ、他の国が未来社会はこうなっていくだろうと予測したキャッシュレス社会を、すでに実現してしまったということです。

では日本では電子マネーは、もっと普及しないのでしょうか。色々と理由はあるのだと思いますが、やはりクレジット会社が高い信用度をもっていますし、また日本では現金の取引に不安を感じている人が少ないということも普及を遅らせているのでしょう。システム的にもすぐには無理かと思われます。中国で急速に普及した理由は、ただ便利だからというだけではありません。それは現金紙幣に不正が多いかったからです。中国で紙幣にて買い物をしようとすると、本物かどうかの識別機に2回かけられます。それくらい紙幣に不正があり、信用度が低く、使う方も不便だったからです。そういった事情も電子マネーの普及に拍車をかけたのだろうと思います。

上海のこうした急速なシステムの変化には、すごいなと素直に驚く反面、あまりに短期間の改変のために、のちのち問題がでてくるのではないかと思わなくもありません。

                                  

北見尚之

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