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Alipay study: Smartphones are likely to replace wallets

調(diào)查顯示：移動(dòng)支付有望取代傳統(tǒng)支付方式

Smartphones are likely to replace wallets in the near future as about 65 percent of the online payment deals last year were done with mobile devices, a new study said.

最新調(diào)查顯示，在2015年，有多達(dá)65%的網(wǎng)上支付賬單是通過(guò)移動(dòng)設(shè)備完成的，這預(yù)示著智能手機(jī)移動(dòng)支付有望在不遠(yuǎn)的將來(lái)取代傳統(tǒng)支付方式。

According to findings published by Alipay, the mobile payment unit of e-commerce giant Alibaba Group Holding Ltd, the percentage represents a big jump compared with 49.3 percent of the total transactions done by the same mode in 2014.

根據(jù)電商巨頭阿里集團(tuán)移動(dòng)支付事業(yè)部支付寶發(fā)布的數(shù)據(jù)，該比例比2014年同比增長(zhǎng)了49.3%。

The company, which is the largest third-party payment service provider, said that mobile payment has been further changing people’s everyday life along with the rapid growth of the online to offline business, including taxi-hailing and restaurant booking.

作為最大的第三方支付平臺(tái)提供商，支付寶認(rèn)為：隨著出租車(chē)呼叫和酒店預(yù)訂等o2o交易的快速發(fā)展，移動(dòng)支付已經(jīng)深深的改變了人們的日常生活方式。

According to Alipay, mobile payment is more popular in China’s underdeveloped western regions.

支付寶的報(bào)告表明，移動(dòng)支付在中國(guó)欠發(fā)達(dá)的西部地區(qū)地區(qū)更加普及。

The Tibet autonomous region leads the country in mobile payment with 83.3 percent of the online payment transactions in the region made with mobile devices in 2015.

西藏自治區(qū)83.3%的網(wǎng)上支付賬單都是通過(guò)移動(dòng)設(shè)備完成的，該比例居全國(guó)首位。

The region is followed by Guizhou, Gansu, Shaanxi and Qinghai provinces. The autonomous region and provinces on average processed nearly 80 percent of the online payment deals via mobile devices.

貴州省，甘肅省，陜西省和青海省緊隨其后。在這些省份和自治區(qū)，移動(dòng)支付賬單數(shù)量占網(wǎng)絡(luò)支付賬單總數(shù)的平均比例接近80%。

Li Chao, an analyst with iResearch Consulting Group, said that the lack of bricks-and-mortar business infrastructure is the main reason for the high frequency of mobile payments in the region.

艾瑞咨詢分析師李超稱這些地區(qū)缺少傳統(tǒng)實(shí)體商戶，這是移動(dòng)支付高頻使用的主要原因。

Since most of the people in the western regions would turn to online shopping sites for the products they need, it is very likely that they make more payments via smart phones compared with their counterparts in urban areas, he said.

他說(shuō)“相對(duì)于繁華的都市，在這些西部地區(qū)人們會(huì)選擇網(wǎng)購(gòu)來(lái)購(gòu)買(mǎi)需要的商品，所以智能手機(jī)支付會(huì)更普遍”

Despite the lower frequency of using mobile payments, urban residents in China have demonstrated their consumption power by the total amount transacted via Alipay platform.

雖然都市居民使用移動(dòng)支付的次數(shù)較少，但是他們?cè)谥Ц秾毱脚_(tái)的消費(fèi)總額，體現(xiàn)了他們更強(qiáng)大的購(gòu)買(mǎi)力。

The report showed that Shanghai residents on average processed more than 100,000 yuan (15,210 dollars) online, becoming the top Alipay users in China in terms of the total amount in 2015.

報(bào)道顯示上海居民2015的人均網(wǎng)上支付總額超過(guò)十萬(wàn)元，位居中國(guó)支付寶用戶首位。

Apart from shopping online, buying Internet-enabled wealth management products has also contributed to the growing transactions on Alipay.

除了網(wǎng)購(gòu)以外，在線理財(cái)產(chǎn)品的購(gòu)買(mǎi)也促進(jìn)了支付寶交易額的增長(zhǎng)。

Alipay said the buyer of its online wealth management products on average had an annual yield of 256.7 yuan in 2015.

支付寶在線理財(cái)產(chǎn)品的購(gòu)買(mǎi)者2015年的平均年收益為256.7元。

About 40.6 percent of the buyers of its online wealth management products are aged between 26 and 35. About 37.3 percent of them are aged between 16 and 25, mostly high school students and college students.

大約40.6%的購(gòu)買(mǎi)者年齡在26歲到35歲之間，還有37.3%的用戶年齡在16到25歲之間，主要是高中生和大學(xué)生。

By integrating more and more features, such as wealth management and paying bills, into its application, Alipay has further consolidated its dominant position in China’s mobile payment market.

支付寶增加了理財(cái)產(chǎn)品和結(jié)賬功能，通過(guò)整合這些功能特性，支付寶進(jìn)一步鞏固了它在中國(guó)移動(dòng)支付市場(chǎng)的主導(dǎo)地位。

Ma Tao, an analyst with the Beijing-based Internet consultancy Analysys International, said that Alipay accounted for about 70 percent of online payments.

北京互聯(lián)網(wǎng)咨詢公司易觀國(guó)際咨詢分析師馬濤稱，支付寶交易大約占在線支付總額的70%。

However, as more and more companies are entering the mobile payment in China’s vast but still largely untapped offline market, such as smartphone-enabled payment in convenience stores and movie theaters, Alipay’s market share is likely to shrink in the future, he said.

然而，鑒于中國(guó)線下市場(chǎng)前景廣闊，越來(lái)越多的公司開(kāi)展了移動(dòng)支付業(yè)務(wù)，比如便利商店和電影院的智能手機(jī)支付。因此馬濤預(yù)測(cè)支付寶的市場(chǎng)占有率將會(huì)有所下降。