It can take a long time for new ideas to catch on in the payments world. Plastic debit and credit cards, for example, account for half of payments in the UK and US, but it has taken more than 60 years to get there. Globally, cash is still dominant.
支付领域的新想法可能需要很长时间才能得到推广。例如，塑料借记卡和信用卡在英国和美国占到一半的支付份额，但它们是花了60多年才做到这一点的。就全球而言，现金支付仍占主导地位。
Despite being 15 years old, online payment system PayPal only accounts for about 10 per cent of online payments, says Bob Graham, senior vice-president for banking and financial services at consulting firm Virtusa.
咨询公司Virtusa负责银行业和金融服务的高级副总裁鲍勃•格雷厄姆(Bob Graham)表示，尽管已有15年的历史，但在线支付系统PayPal仅占在线支付市场大约10%的份额。
The online payments market is still small, accounting for just 2-3 per cent of consumer transactions worldwide, says Patrick Collison, co-founder of payment service Stripe. According to some estimates, there are 366bn non-cash transactions each year.
支付服务公司Stripe联合创始人帕特里克•科利森(Patrick Collison)表示，在线支付市场规模仍然很小，只占到全世界消费交易的2%-3%。根据某些估算，每年非现金交易规模达3660亿美元。
However, the online payments market is expected to grow, not least because consumers want easier ways to pay for goods. Businesses also want more efficient mechanisms to handle trade invoices and payments.
然而，在线支付市场有望增长，主要是因为消费者希望以更便利的方式付款。企业也希望有更高效的机制来处理交易票据和支付事宜。
Barriers for new payment systems include cost and rates of adoption. Retailers have to pay for tills and card readers and banks have to put in software to process payments. New payment systems need to reach a point where there are enough cards, tokens or apps in circulation, and enough tills, ticket barriers, or websites willing to accept them, to justify any investment.
推广新支付系统的障碍包括成本和采用率。零售商不得不花钱购置收银机和读卡器，银行不得不安装软件来处理支付事宜。只有当银行卡、口令牌或应用程序足够普及，同时还有足够的收银台、检票口或者网站愿意接受它们，新的支付系统才值得投资。
|
