拒现金于门外 全世界能够效仿瑞典模式吗?（在线收听）

拒现金于门外 全世界能够效仿瑞典模式吗?

Cash…clams…dough…scratch. All mean the same thing. Money-that one can hold and use for any kind of purchase or purpose. Is it losing favor worldwide?

现金…一元…钱…钱。所有这些都代表着一样东西。个人可以用于任何购买或其他目的持有及使用的金钱。而它现在正失去全世界的宠爱吗?

According to John Sheldon of MasterCard's Innovation Group, the move to a cashless society is picking up steam worldwide, especially in Africa.

万事达创新集团的约翰·谢尔登表示一个无现金的社会正在全球范围内加速发展,尤其是在非洲。

“They have the opportunity to leap-frog the existing infrastructure that, say, exists in Europe and North America because they can, just like in China they skipped right from the P.C. to the 4G phone.

“无现金社会有机会跨越现有的基础设施障碍,比如说在欧洲和北美,因为这样的机制能够这样做,就像在中国从电脑跳到4G手机一样。

Societies in Africa, Latin America, Southeast Asia have the same opportunity to skip payment technologies right straight to the mobile phone and doing mobile payments instead of going through all the magstripe, the chip and beyond. So they can move much more quickly because those infrastructures don't have to be put in place."

非洲,拉丁美洲,东南亚社会都有相同的机会直接跳过支付技术直接进入手机和移动支付时代,而不需要再通过磁条,芯片等等。因此发展会快很多,因为不需要那些基础设施到位。”

MasterCard has been working with Nigeria and South Africa to reduce fraud by using so-called “proof of life” technology-which allows for cashless transactions once a

user is identified.

万事达一直在与尼日利亚和南非合作使用名为“生命的证据”的技术减少欺诈—这项技术允许用户识别后进行无现金结算。

“I'm going to make a purchase and actually I'm validating that purchase with a picture of my face, use that photo so it's establishing that it's me.It's actually validating me, looking for my password and therefore it's validated that I'm here and I'm alive and then I can make that purchase."

“假如我要买个东西,实际上我要用自己的脸部照片确认购买,使用这张照片,确定是我本人无误。其实是在对我进行验证,检验我的密码,因此它实际上是在验证我的身份,我有生命迹象,然后我就可以进行购买。”

Across the continents, money keeps being printed. But Cornell University Professor Robert Hockett says cashless transactions are a necessity in many countries.

纵观整个大陆,钱一直是通过印刷的方式。但是康奈尔大学教授罗伯特·赫科特表示无现金交易在许多国家都是必经之路。

“It's often hard to find banking services, right, to find institutions that are located in one conveniently-reachable place at which one can make one's deposit or meet with one's bankers or the like.

“通常很难找到银行服务机构,是的,找到这样一家为人们提供便利，随处可见的机构,人们可以在这里办理存取款或同自己的银行家见面。

So it ends up being quite convenient to be able to sort of carry around your bank with you, as it were, say in the form of a single electronic device like a mobile phone."

所以这样将你的银行随身携带的方式就显得非常方便,比如通过手机等单一的电子设备就可以实现。”

Scott Shay, chairman and founder of Signature Bank in New York City, cautions against a totally-cashless world.

而位于纽约市Signature银行董事长兼创始人的斯科特·夏恩对一个全部无现金化的世界发出了警告。

“Once we get to the point where there is no currency, no cash, essentially every single transaction that any individual makes is susceptible to being monitored and even more worrisome, controlled."

“一旦我们进入了那个阶段,没有货币,没有现金,基本上每一笔交易,任何个人都怀疑自己被监视,甚至更令人担忧的是,受人控制。”

Is the public sold on total electronic transactions? Outside of United Nations headquarters in New York, Huda Alzeera of Bahrain summed it up.

公众对于全部电子交易表示支持吗?在纽约联合国总部之外,巴林中央银行的胡达·阿利塞拉总结了自己的观点。

“Maybe electronic payments are good for online stuff for certain things. They're really good for globalization, actually, you know, because you can pay online and can get things from different countries. It's good for that electronically. But I feel that for everyday life it's good to have cash on hand."

“也许电子支付有益于网上的某些特别东西。无现金交易真的有益于全球化,实际上,你知道,因为你可以在网上支付,可以得到来自不同国家的东西。对电子化发展大有益处。但是我觉得日常生活还是手里拿着钱为好。”

According to monetary experts, there's a huge cost for countries using cash-including printing money, securing money, and distributing the cash. But even in nearly-cashless Sweden, two-thirds of Swedes think carrying cash is a human right.

货币专家表示,各个国家使用现金都会造成巨大的成本—包括印钞、确保安全,现金分配等。但即使在近乎无现金的瑞典,仍有三分之二的人民认为携带现金是一项人权。