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中国人已证明手机支付方便 为啥德国人还爱用现金?

2017-09-17 01:37:13   参考消息

参考消息网9月17日报道 德媒称,与当今中国几乎什么都可以用手机支付的同时,德国人还坚守着对现金支付的“质朴”偏好。

德国之声电台网站9月11日引述《柏林日报》文章解读为什么科技发达的欧洲在移动支付领域却相对“滞后”时称,随着智能手机的普及和无现金支付技术的发展,如今在中国几乎没有什么东西(或服务)是一定需要支付现金来购买的。只要身边有手机,连在小吃铺买份小吃都可以不用带现金。这样的生活状态对于欧洲人来说还是相对陌生的。


资料图片:8月3日,乘客在重庆市北碚区使用手机扫描二维码支付公交车费。

《柏林日报》记者就关注了这一发展,并且从德国人的角度解释了为什么西方世界在这一领域相对谨慎的原因。

文章称,八成的中国人认为如今出门已经没必要携带现金或者信用卡了,14%的人甚至连钱包都不带。这是市场调查机构益普索集团不久前一项问卷调查得出的结果。在德国,人们对于手机支付的接受度就明显低得多。在超市购物结账的时候,人们不是用银行卡付款,就是直接付现金——几乎没有人会用智能手机支付。文章解释道:“德国和中国之间的差异在于:在德国虽然也有移动支付系统——但是市场上的竞争企业太多。谁也不知道到底该下载哪一个软件,以及下载了之后可以在哪里支付。而在中国,整个市场被微信支付所主导,支付宝也很普及,但主要用于网购结算。”

《柏林日报》文章列举了一些统计数据来分析欧洲人的消费习惯:“在1欧元到10欧元之间的小额支付,88%欧洲人选择现金支付。如果消费金额在11欧元到50欧元之间,则只有一半人选择付现金。如果支付金额超过100欧元,那么就只有12%的欧洲人会选择用钞票了。——但是在德国,这个比例明显高于欧洲平均水平。77%的德国人偏好用现金支付,因为觉得安全放心。”

文章称,荷兰ING银行今年2月进行的这项调查还显示,3/4的欧洲人认为,没有现金是行不通的——在德国这个比例高达84%。

责任编辑:任冲 CN062
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