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  3. [originaltext]A: Cash is said to be disappearing in China as mobile payment is

[originaltext]A: Cash is said to be disappearing in China as mobile payment is

游客2023-12-29  24
问题  
A: Cash is said to be disappearing in China as mobile payment is taking over1. Every aspect of Chinese life can now be managed via their smart phones, such as paying bills, accessing public transport services or visiting the cinema3, and much more. I’m here with a senior executive with Alipay in Copenhagen. Thank you for joining me. How will mobile payment technology have to evolve to meet customer demand?
B：以我们的经验来说，消费者纠结的并不是怎么支付，这件事本身不是要探索另一个支付选择或支付方式，不论是通过近场通信的方式支付还是扫描二维码，抑或是其他不同的支付方式。对他们而言，更重要的是如何使用移动支付应用程序技术更加便捷地查找与自己密切相关的信息，比如折扣、福利，以及如何以最方便的方式与其他人互动。所以，我们在打造手机钱包或移动支付解决方案时，更注重打造一种生活方式的解决方案。这是所有移动支付解决方案提供商在满足顾客需求时需要关注的地方。
A: How would you say the adoption of mobile payment in China or the East compares to the West?
B：其实，东方的移动支付，尤其是中国的移动支付在过去几年不断腾飞。去年在中国最大的线上购物狂欢节时，超过一半的交易都是在移动端发生的。由此可见，中国人对于移动支付的操作非常熟练。此外，过去几年，中国一个很大的趋势就是在线下使用手机钱包。目前，中国有几十万家餐馆、几万家超市和便利店都接受支付宝转账。这跟我们在西方看到的完全不同。
A: And what about Millennials? How attractive are theses wallets to them?
B：我觉得应该是非常有吸引力的。在他们成长的过程中，手机一直伴随其左右。他们用手机处理所有的事情，用手机与朋友互动。一切都是“手机化”，尤其是对于年轻一代而言。在中国，很多年轻人都在使用移动支付，所以我觉得手机钱包只会越来越流行。
选项
答案 A：随着移动支付的兴起，据说现金在中国逐渐消失。目前，中国人生活的方方面面都可以通过智能手机进行管理，比如付款、坐公交、看电影等。今天我们在哥本哈根采访到了支付宝的高管，欢迎来参加我们的节目。您认为移动支付技术要如何发展才能满足顾客的需求?
B: With our experience, we think the consumers are not struggling with how to pay. It’s not about another payment option or payment way, be it NFC or a QR code or other different methods to make payments. It’s more about how they can use mobile app technology to find information relevant to them such as discounts, benefits, and interact with others in a much more convenient way. That’s why when we are developing a mobile wallet or a mobile solution, it’s more like the total solution to a lifestyle. That’s what mobile payment solution providers need to consider when it comes to addressing consumer demand.
A：与西方相比，你怎么看待中国或者说东方各国的移动支付的普及程度?
B: In fact, the mobile payment in the East has been taken off rapidly in the past years, especially in China. During the biggest online shopping festival last year, over 50% of the transactions took place on mobile devices. This shows the Chinese are really savvy about mobile payment. Plus, in the past few years, there is a very big trend in China to use mobile wallets in the physical store as well. Now, there are hundreds of thousands of restaurants, tens of thousands of supermarkets and convenience stores accepting Alipay. This is quite different from what we see in the West.
A：那么千禧一代的年轻人呢?这些电子钱包对他们的吸引力究竟如何?
B: I would say the wallets are very attractive. Millennials grow up with mobile phones. They do everything with their phones, and they interact with their friends on mobile phones. Everything is going mobile, especially for this younger generation. In China, there are lots of young people using mobile payment as well, so I think mobile wallets will only be more and more popular as we move ahead.
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