IN 2015, WHEN Lazarus Liu moved home to China after studying logistics in the United Kingdom for three years, he quickly noticed that something had changed: Everyone paid for everything with their phones. At McDonald’s, the convenience store, even at mom-and-pop restaurants,…
 
	        
	     
                                     
                                     
                                     
                                     
                                     
                                     
                                     
                                     
                                     
	         
	         
	         
	         
	         
	         
	         
	        