This trend impacted tourism significantly, especially after they cracked down on WeChat etc. basically acting as banks, since tourists did not have an easy time getting set up in one of these apps. Eventually they passed a law that merchants have to accept international credit cards, but there is a lot of malicious compliance where only one register and one person in the store that can do the credit cards with a dusty old handheld terminal, that kind of thing. AliPay in particular has done a nice job responding by making it much easier for non-Chinese speakers to get a credit card linked and even a lot of help buying train/plane tickets, calling taxis, etc. Sadly there are limits to transaction size in the apps, so if you want to make a large purchase you have to navigate the dicey world of credit cards, or get a friend from China to help out.