移動支付會取代現(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)中國支付清算協(xié)會發(fā)布的一份報告顯示，超過20%的中國移動用戶認為數(shù)字支付將在未來取代現(xiàn)金交易，近50%的人認為兩者將繼續(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.

該報告還發(fā)現(xiàn)，89.1%的用戶樂意掃描二維碼支付，其余10.9%的用戶拒絕使用二維碼。

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，近40%的乘客使用二維碼支付購票，33%的乘客使用手機支付，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，超過一半的用戶呼吁在公共交通、醫(yī)院和高速公路上使用更好的移動支付應用，超過40%的用戶希望在停車服務和公共事務賬單上使用更好的移動支付應用。

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.

隨著移動支付越來越受歡迎，安全擔憂也在加劇。81%的用戶擔心他們的個人信息被泄露。70%的人認為他們可能會不小心掃描到假的二維碼。67.5%的人擔心使用移動支付會使他們的銀行賬戶容易被盜。超過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.

這就要求市場主體采取更加有效的措施，加強對用戶安全和隱私的保護。