上海VS旧金山：谁的移动支付更出色？

03 上海VS旧金山：谁的移动支付更出色？

是金融科技发达的美国旧金山，还是作为后起之秀的中国上海？FT记者走上两个城市的街头，切身感受两地移动支付的差别。

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

生活中还有什么事情是不能在手机上解决的吗？

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?

过去几年，在实体店用手机买东西一直是一个巨大的挑战。谁在移动支付领域做得最好？

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记者吴佳柏（Gabriel Wildau）在上海，何丽（Leslie Hook）在旧金山，拿着手机来到真正的店家来测试哪个城市在移动支付上更为出色。

(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.

像这样的便利店在上海到处都是。在这里不是我扫他们，而是他们扫我。

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

在旧金山这家超市，我可以用Apple Pay支付，但实际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，大部分人不在超市买水果，而是在这样的街边摊扫一下墙上的二维码并输入价格。

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.

加州以琳琅满目的食品集市出名，就像这个在旧金山市中心金融街的市场。但是如果你没带钱包信用卡或者现金，你啥也买不了。

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.

移动支付在上海太普遍了，可以通过扫我背后墙上的二维码买一只烤鸡或烤鸭。

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.

在旧金山的麦当劳，你也可以用手机支付，但是排在我前面的大多数人都用现金或信用卡支付。

4.时尚精品店

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不会给我报销置装费，所以我不会在这家上海法租界区的奢侈品店买任何东西。但是你可以从这个标识上看到，他们接受支付宝和微信支付，也接受VISA卡和中国自己的银行支付系统——银联。

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在旧金山的旧办公室旁边，是一家卡地亚门店。他们不接受任何形式的移动支付，但如果是一笔大额消费，他们仍然接受电汇。

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.

很明显上海获胜。在科技方面，很多人觉得中国是后来者；但是在移动通讯和金融科技领域，中国正引领世界。

词汇总结

upscale ['ʌpskeɪl]

adj.迎合高层次消费者的；质优价高的

v.升高一级

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不会给我报销置装费，所以我不会在这家上海法租界区的奢侈品店买任何东西。

stall [stɔːl]

n.货摊；畜栏；托辞

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

在上海，大部分人不在超市买水果，而是在这样的街边摊。

mobile payments

移动支付

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.

他们不接受任何形式的移动支付，但如果是一笔大额消费，他们仍然接受电汇。

wire transfer

电汇

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

如果是一笔大额消费，他们仍然接受电汇。

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，很多人觉得中国是后来者；但是在移动通讯和金融科技领域，中国正引领世界。