移動(dòng)支付會(huì)取代現(xiàn)金交易嗎？

Over 20 percent of Chinese mobile users think digital payment will replace cash transactions in the future, while nearly 50 percent believe the two will continue to co-exist, according to a report released by the Payment and Clearing Association of China.

據(jù)中國(guó)支付清算協(xié)會(huì)發(fā)布的一份報(bào)告顯示，超過(guò)20%的中國(guó)移動(dòng)用戶(hù)認(rèn)為數(shù)字支付將在未來(lái)取代現(xiàn)金交易，近50%的人認(rèn)為兩者將繼續(xù)共存。

The report also found that 89.1 percent of the users are happy to pay using a QR code, while the remaining 10.9 percent refuse.

該報(bào)告還發(fā)現(xiàn)，89.1%的用戶(hù)樂(lè)意掃描二維碼支付，其余10.9%的用戶(hù)拒絕使用二維碼。

When it comes to taking public transport, nearly 40 percent of the users pay for their tickets by scanning a QR code, while 33 percent use the mobile phone (NFC) system, and 23 percent pay with bank or travel cards.

在乘坐公共交通工具時(shí)，近40%的乘客使用二維碼支付購(gòu)票，33%的乘客使用手機(jī)支付，23%的乘客使用銀行卡或旅游卡支付。

Last year, over half of users called for better mobile payment applications for public transportation, hospitals, and expressways, and over 40 percent wanted better mobile payment apps for parking services and utility bills.

去年，超過(guò)一半的用戶(hù)呼吁在公共交通、醫(yī)院和高速公路上使用更好的移動(dòng)支付應(yīng)用，超過(guò)40%的用戶(hù)希望在停車(chē)服務(wù)和公共事務(wù)賬單上使用更好的移動(dòng)支付應(yīng)用。

Security concerns are also rising as mobile payments continue to soar in popularity. Eighty-one percent of users worried about their personal information being leaked. Seventy percent considered that they may accidentally scan a fake QR code. 67.5 percent feared that using mobile payments could leave their bank accounts prone to theft. Over 40 percent chose not to send their payment codes to others.

隨著移動(dòng)支付越來(lái)越受歡迎，安全擔(dān)憂(yōu)也在加劇。81%的用戶(hù)擔(dān)心他們的個(gè)人信息被泄露。70%的人認(rèn)為他們可能會(huì)不小心掃描到假的二維碼。67.5%的人擔(dān)心使用移動(dòng)支付會(huì)使他們的銀行賬戶(hù)容易被盜。超過(guò)40%的人不愿意把付款碼發(fā)給別人。

Such concerns require market players to take more effective measures to strengthen the protection of users’ security and privacy.

這就要求市場(chǎng)主體采取更加有效的措施，加強(qiáng)對(duì)用戶(hù)安全和隱私的保護(hù)。