A speech draft Good morning everybody!It's my honor to speak here,and I am very glad to share my topic with you. Then today I'd like to talk something about the mobile payment.Consider a normal day for someone living in China. You wake up in the morning, go and buy breakfast on the street and pay by scanning with your smart phone.In the subway station, you scan with your smart phone to purchase your ticket.If, after getting off the train, you find there is not enough time to walk to the school, you scan the code for a shared-bicycle and ride to school in minutes.And when you are tired by the end of the day, you can simply use an app to order food delivery. The smart phone can handle payment for taxis, utilities, and even hospital bills!Meanwhile, if you run out of battery charge… no worries! You just plug it in to a shared charging point.This is a glimpse into the life of most of us– allowing you to bid farewell to the wallet and bank cards.And this kind of life is hard to image even a few years before.It seems that mobile payment bring us a lot of convenient,that’s true,but is it really a perfect thing?Let’s see another example. On September 2, Ms. Huang returned home with her two sons. At that time, her Wechat had been unable to log in normally for some time. Ms. Huang thought that the rural signal might not be very good. Because she was busy taking care of the children, she didn't pay much attention to it at that time. It wasn't until the next day that Ms. Huang discovered that her credit card had been stolen for more than 50,000 yuan. This incident fully demonstrates the security vulnerability of mobile payment.Because mobile payment is done on mobile phones, now mobile viruses are emerging in an endless stream, criminals can easily steal through mobile viruses, which causes security problems for the funds on mobile phones. In one word,the advantages of mobile payment outweigh the disadvantages. Mobile payment is a great era change that replaces money and an inevitable trend of development. We should look at the essence through phenomena, give full play to the great advantages of mobile payment, learn from each other's strengths, and promote the healthy and orderly development of mobile payment. OK,thank you for listening,that’s all.