Mobile wallets have grown into a lifestyle choice embedded into daily activities and interactions, as more Chinese embrace third-party services to pay back credit cards and run errands, a latest study has found.

Alipay users from five municipalities and provinces made average transactions of more than 100,000 yuan ($14,400) via Alipay last year, the country's top online payment provider said on Wednesday.

Users in Shanghai topped the ranking with average spending of 148,000 yuan in 2016, 1.5 times that of 2015.