2 months ago when i was there, saw their govt ads campaign on tv, selling a softer, more human-centered image about everyday payment and services. ads showed seniors POV about preferring to pay in cash rather than using phone payment, choosing to pickup goods in person at door step rather than some high tech advanced IT solutions that need to interact with IT interfaces and links, choosing to go to bank in person than using phone bank apps. lol.
in the lower tier areas, i saw street banner and posters barking it is illegal to reject cash payments.
i think because during covid lockdown periods, many sufferings and even tragedies for old people who where IT illiterate or less tech savvy or no phones. another impetus is the pervasive scams and frauds faced by the older generations using phones.
post-covid, a lot of new policies and changes and announcements emphasized catering to the needs of old people and foreign tourists.
but china is such a huge and vast country, YMMV.
You are right , China is a vast country so one person experience in a particular city is different from others .
Never saw any Gov ads on those you mentioned , but indeed there are various kind of scam, that is why I don't use unknown third party website to topup my wechat or alipay account .
I have used their 美团(they are efficient) and also patronised their restaurants and supermarket , no different from SG where you can use grabfood or visit the hawker center yourself ,
it is a choice that ones make whether you are in China or SG or any other countries it is the same .
Personally I used cash as well as phone payment and so haven't met with any problem .
I try to avoid going to bank in person as far as possible so anything that can be done on the apps definitely will be my first choice .( it is same in SG).
Personally I like their online shopping be it taobao or douyin , return and refund is very easy , you just generate a return code , write it on the bag( any plastic bag );
just place it outside the door and they will come and collect .
Unlike in SG especially with Ninja Van collection can't be in black plastic etc etc
All in , there is no Big difference whether you are in China or SG or any other countries you just adapt accordingly and enjoy your time no need to make things complicated .