First of all, it is necessary to clarify what is the purpose of Alipay’s “routine”? The purpose is to expand the user base. Users who are more active in using Alipay do not need to pay the maintenance cost of Alipay. New users or users who rarely use Alipay are the main people Alipay attracts. Once the purpose is clear, it will be easier to understand why it is easier for new users to obtain more or greater benefits.