Chinese consumers drop cash and skip cards to create world's largest mobile payment market．
A German named Thomas Derksen spent an entire day shopping in a major Chinese city without cash or a credit card．
The 24-hour adventure in Hangzhou，which was streamed lived on the Internet，saw Derksen ride a bus，buy a bouquet of flower for his wife and even enjoy a street snack，all paid by using apps downloaded to his smartphone．
"Going out without cash is something I couldn't imagine doing back home in Frankfurt"，says Derksen．
After traveling to hundreds of cites in more than 30 countries，he believes Hangzhou，the captical of Zhejiang Province and home of Internet giant Alibaba Group，is NO.1 in terms of mobile payment．
Statistics from the Hangzhou-headquarted Ant Financial Services Group，the operator of Alipay，China's largest mobile payment service provider，show that about 98 percent of supermarkets．a(chǎn)nd more than 40，000 restaurants allow customers to pay with apps．
Hangzhou is not unique in China，though．In most cities，especially developed metropolises，mobile payment apps are now a part of everyday life．
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【參考詞匯】
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Mobile payment is becoming increasingly popular in China，especially in big cities．A German's 24-hour experience of going our without cash or a credit card in Hangzhou serves as a good example．
Obviously，mobile payment is good and should be encouraged．In the first place，mobile payment offers us a new level of convenience．With payment apps on our smartphones，we only need to scan the QR code to pay and within one or two seconds，so the payment process can be completed．In the second place，mobile payment signifies safety．Since no cash is needed in the future，we needn't worry about wallet or money being stolen any more．Nor do we need to be afraid of receiving fake money．
Last but not least，mobile payment does good to the environment Not using cash means saving a lot of trees which are used to make paper．

Mobile payment is becoming increasingly popular in China，especially in big cities．A German's 24-hour experience of going our without cash or a credit card in Hangzhou serves as a good example．
Obviously，mobile payment is good and should be encouraged．In the first place，mobile payment offers us a new level of convenience．With payment apps on our smartphones，we only need to scan the QR code to pay and within one or two seconds，so the payment process can be completed．In the second place，mobile payment signifies safety．Since no cash is needed in the future，we needn't worry about wallet or money being stolen any more．Nor do we need to be afraid of receiving fake money．
Last but not least，mobile payment does good to the environment Not using cash means saving a lot of trees which are used to make paper．