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The phenomenon of bike rentals is just one example of an innovation made possible by these mobile payment platforms.

Just two of the largest bike rental companies, Ofo and Mobike, have scattered more than 13 million GPS equipped bikes around the city.

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The Chinese are estimated to have spent .5 trillion through mobile payment platforms last year, at least 50 times what those in the US spent, and this continues to accelerate.

Estimates are that this will quadruple by 2021 and, by next year alone, reports indicate that there will be as many as 45,000 stores in Japan that accept Ali Pay, to cater to Chinese tourists.

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At the restaurant, just input the price of the meal into the app to pay again.

On the way home, you may feel charitable, so you give money to a street beggar performing a song for money, again within the app, before stopping at a Buddhist temple where you can increase your karma by donating with the app.

But this fact also exposes the drawbacks of mobile payment platforms as an exclusive means of financial transaction.

Given that the Chinese government maintains control over both the Internet and bank accounts in China, as well as companies such as Alibaba and We Chat, Chinese citizens are surrendering every last vestige of privacy they once had.

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