Mobile Payment Gateway vs Credit Card

There are several brands of Payment Gateway.  Such as Touch-N-Go Pay,  Boost Pay,  Alipay, Wechatpay, they all belongs to mobile payment gateway. It makes our payment more convenient and efficient. But some people don't know whether it's good or bad for us to simplify the payment way greatly.
Generally speaking, when you pay through mobile payment gateway in Malaysia, the bank has no access of your records unlike credit card will keep track your spending transaction.

When you pay by credit card, the bank will have your consumption record. From then on, you can know your consumption pattern, your personality,  your preferences, the way you pay the debt and whether you pay it on time. In this way, you can increase the bank's trust in you.

As an user, when we spend our money at the same time we need to think about the credit and trust in bank. As a merchant, you can provides more payment options for your customer to pay.
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