上海VS舊金山：誰(shuí)的移動(dòng)支付更出色？

03 上海VS舊金山：誰(shuí)的移動(dòng)支付更出色？

是金融科技發(fā)達(dá)的美國(guó)舊金山，還是作為后起之秀的中國(guó)上海？FT記者走上兩個(gè)城市的街頭，切身感受兩地移動(dòng)支付的差別。

Is there an everyday task you can't do on your mobile phone?

生活中還有什么事情是不能在手機(jī)上解決的嗎？

Paying for things in the real world like shops and markets has been one of the biggest challenges of the past few years.So who does mobile payments best?

過(guò)去幾年，在實(shí)體店用手機(jī)買(mǎi)東西一直是一個(gè)巨大的挑戰(zhàn)。誰(shuí)在移動(dòng)支付領(lǐng)域做得最好？

Gabriel Wildau in Shanghai and Leslie Hook in San Francisco took their smart phone to the market to see whose city comes out on top.

FT記者吳佳柏（Gabriel Wildau）在上海，何麗（Leslie Hook）在舊金山，拿著手機(jī)來(lái)到真正的店家來(lái)測(cè)試哪個(gè)城市在移動(dòng)支付上更為出色。

(Gabriel Wildau =G; Leslie Hook=L)

1.便利店

G: There're convenience stores like these all over Shanghai.Here I don't scan them.They scan me.

像這樣的便利店在上海到處都是。在這里不是我掃他們，而是他們掃我。

L: Here at Walgreens I can pay with Apple pay but it's actually faster to use my chip card.

在舊金山這家超市，我可以用Apple Pay支付，但實(shí)際上用芯片卡支付更快。

2.食品集市

G: In Shanghai most people don't buy their fruit from the supermarket but from street-side stall like this one.Scan the QRCode on the wall and enter the price.

在上海，大部分人不在超市買(mǎi)水果，而是在這樣的街邊攤掃一下墻上的二維碼并輸入價(jià)格。

L: California may be known for its local produce farmer's market like this one in the financial district in downtown San Francisco.But if you hadn't brought your wallet with your credit card and cash, you can't buy anything.

加州以琳瑯滿(mǎn)目的食品集市出名，就像這個(gè)在舊金山市中心金融街的市場(chǎng)。但是如果你沒(méi)帶錢(qián)包信用卡或者現(xiàn)金，你啥也買(mǎi)不了。

3.快餐店

G: Mobile payments are so widespread in Shanghai that you can pick up a roast chicken or a duck just by scanning the QRCode behind me on the wall.

移動(dòng)支付在上海太普遍了，可以通過(guò)掃我背后墻上的二維碼買(mǎi)一只烤雞或烤鴨。

L: Here at McDonald's I can also pay with my phone, but most of the people in line in front of me were paying with cash or credit cards.

在舊金山的麥當(dāng)勞，你也可以用手機(jī)支付，但是排在我前面的大多數(shù)人都用現(xiàn)金或信用卡支付。

4.時(shí)尚精品店

G: The FT won't cover a new suit on the expenses, so I won't be buying anything from this boutique in the upscale French border today.But you can see from the sign that they accept both Alipay and WeChat, right alongside VISA and the China bank card scheme, UnionPay.

FT不會(huì)給我報(bào)銷(xiāo)置裝費(fèi)，所以我不會(huì)在這家上海法租界區(qū)的奢侈品店買(mǎi)任何東西。但是你可以從這個(gè)標(biāo)識(shí)上看到，他們接受支付寶和微信支付，也接受VISA卡和中國(guó)自己的銀行支付系統(tǒng)——銀聯(lián)。

L: Now right next to the FT's old office in San Francisco is the Cartier store.They do not accept any form of mobile payments here, but if you are going to make a big purchase; they do take wire transfer.

在FT在舊金山的舊辦公室旁邊，是一家卡地亞門(mén)店。他們不接受任何形式的移動(dòng)支付，但如果是一筆大額消費(fèi)，他們?nèi)匀唤邮茈妳R。

That's a clear win for Shanghai.Most people think of China as a follower when it comes to technology, but in mobile and FinTech it leads the world.

很明顯上海獲勝。在科技方面，很多人覺(jué)得中國(guó)是后來(lái)者；但是在移動(dòng)通訊和金融科技領(lǐng)域，中國(guó)正引領(lǐng)世界。

詞匯總結(jié)

upscale ['?pske?l]

adj.迎合高層次消費(fèi)者的；質(zhì)優(yōu)價(jià)高的

v.升高一級(jí)

The FT won't cover a new suit on the expenses, so I won't be buying anything from this boutique in the upscale French border today.

FT不會(huì)給我報(bào)銷(xiāo)置裝費(fèi)，所以我不會(huì)在這家上海法租界區(qū)的奢侈品店買(mǎi)任何東西。

stall [st??l]

n.貨攤；畜欄；托辭

In Shanghai most people don't buy their fruit from the supermarket but from street-side stall like this one.

在上海，大部分人不在超市買(mǎi)水果，而是在這樣的街邊攤。

mobile payments

移動(dòng)支付

They do not accept any form of mobile payments here, but if you are going to make a big purchase; they do take wire transfer.

他們不接受任何形式的移動(dòng)支付，但如果是一筆大額消費(fèi)，他們?nèi)匀唤邮茈妳R。

wire transfer

電匯

If you are going to make a big purchase; they do take wire transfer.

如果是一筆大額消費(fèi)，他們?nèi)匀唤邮茈妳R。

FinTech

金融科技（financial technology）

Most people think of China as a follower when it comes to technology, but in mobile and FinTech it leads the world.

在科技方面，很多人覺(jué)得中國(guó)是后來(lái)者；但是在移動(dòng)通訊和金融科技領(lǐng)域，中國(guó)正引領(lǐng)世界。