移动支付会取代现金交易吗？

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.

据中国支付清算协会发布的一份报告显示，超过20%的中国移动用户认为数字支付将在未来取代现金交易，近50%的人认为两者将继续共存。

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.

该报告还发现，89.1%的用户乐意扫描二维码支付，其余10.9%的用户拒绝使用二维码。

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时，近40%的乘客使用二维码支付购票，33%的乘客使用手机支付，23%的乘客使用银行卡或旅游卡支付。

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，超过一半的用户呼吁在公共交通、医院和高速公路上使用更好的移动支付应用，超过40%的用户希望在停车服务和公共事务账单上使用更好的移动支付应用。

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.

随着移动支付越来越受欢迎，安全担忧也在加剧。81%的用户担心他们的个人信息被泄露。70%的人认为他们可能会不小心扫描到假的二维码。67.5%的人担心使用移动支付会使他们的银行账户容易被盗。超过40%的人不愿意把付款码发给别人。

Such concerns require market players to take more effective measures to strengthen the protection of users’ security and privacy.

这就要求市场主体采取更加有效的措施，加强对用户安全和隐私的保护。