When Frida Cai left Beijing to study abroad in 2013, China’s financial tech boom was just beginning. She used a debit card for her big expenses and carried cash for everyday spending. By the time she came back, just three years later, everything had changed. “I tried to buy a watermelon from a street seller,” she recalls, “and he told me that he only took mobile payments through the WeChat app.” Ms Cai now says she cannot even remember the last time she got cash out of an ATM, but it was “more than a year ago”.
当Frida Cai在2013年离开北京出国留学时，manbetx3.0 的金融科技热潮才刚刚开始。当时她还用借记卡来支付大额消费，且携带现金供日常开销。仅仅三年后，等她回国的时候，一切都变了。她回忆道：“我想在一个路边摊买
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