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“yb5点ac只为非凡”瑞典迈向无现金的未来 In Sweden a Cash-Free Future Nears

AG亚博 科技 2021年07月25日
本文摘要:stock holm-parishioners text tithes to their churches . homeless street vendors carry mobile credit-card readers . even the ABBA Despite being20世纪70年代人气人造、《钱,钱,钱》 (Money,Money,Money)的作者阿巴乐队(ABA)的圣寺阿巴博物馆(Abba Museum)也指出,不接受纸币和硬币,现金“过时”。


stock holm-parishioners text tithes to their churches . homeless street vendors carry mobile credit-card readers . even the ABBA Despite being20世纪70年代人气人造、《钱,钱,钱》 (Money,Money,Money)的作者阿巴乐队(ABA)的圣寺阿巴博物馆(Abba Museum)也指出,不接受纸币和硬币,现金“过时”。few places are tilting toward a cashless future as quickly as Sweden,which has become hooked on the convenience of paying by app and plastic;瑞典已经喜欢移动应用程序和刷卡的便利。This tech-forward country,home to the music streaming service Spotify and the maker of the candy crush mobile games,Has been lured by the作为音乐流媒体服务Spotify和移动游戏糖果消亡传说(Candy Crush)的诞生地,这个崇尚技术变革的国家沉迷于便利数字缴纳的想法。这也是一个现实的问题。

因为很多瑞典银行仍然拒绝接受或发行现金。At the ABBA museum,“we dont want to be behind the times by taking cash while cash is dying out”,said Bjorn ulvaeus,A former ABBA member前阿巴乐队成员Bjorn Ulvaeus利用乐队留下的传说,建立了包括这个博物馆在内的相当大的商业帝国。not every one is cheering . swedens embrace of electronic payments has alarmed consumer organization s And critics who warn of a rising threat to po And不是所有人都鼓掌。


据瑞典法务部透露,去年电子欺诈案件数猛增到14万人,比10年前减少了一倍。older adults and refugees in Sweden who use cash may be marginalized,Critics say . and young people who use apps to pay for everything or take out loot批评人士表示,在瑞典使用现金,移动应用程序可能面临缴纳所有费用或通过手机贷款的年轻人陷入债务的危险。“it might be trendy”,“said Bjorn Eriksson,A former director of the Swedish police force and former president of INTERPOL”。

but there are all sorts of risks when a society starts to go casher。“可能是时尚。”瑞典前警察局长和前国际刑警组织会长Bjorn Eriksson表示。

“但是当社会不需要现金的时候,就不会面临各种危险。”but advocates like ulvaeus cite personal safety as a reason that countries should go cash-free . he switched to using only card and electronies aff乌尔比乌斯等无现金拥护者希望国家以人身安全为由仍然需要使用现金。

自从他的儿子几年前在斯德哥尔摩的公寓被偷了两次,乌尔比斯就要用卡或电子方式缴纳。“there was such a feeling of insecurity”,“said ulvaeus,Who carries no cash at all”。“it made me think 3360 what would happen if this was a cashless society,and the robbers could nt sell what they staty”当时感觉不安全。“现在几乎没有装现金的乌尔比乌斯说。

”这让我想起:如果这是一个没有现金的社会,强盗不能销赃,那会怎么样呢?“Bills and coins now represent just 2 percent of swedens economy,7.7 percent in the United States and 10 percent in the euro area . this year,”据欧洲信息咨询公司(Euromonitor International)称,今年瑞典所有消费缴纳额只有五分之一,相反,世界其他地区平均75%是现金缴纳。cards are still king in Sweden-with nearly 2.4 billion credit and debit transactions in 2013,Compared with 213 million 15 years earlier . buuild因为更多的瑞典人在日常交易中使用移动应用程序。at more than half of the branches of the countrys biggest banks,including SEB,swedbank,nordea bank and others,no cash is kept on he瑞典主要银行瑞典北欧银行(SEB)、瑞典银行(Swedbank)、北欧联合银行(Nordea Bank)等也包括在内,一半以上的分行不留下现金,也不拒绝接受现金存款。

他们说,抢劫者窃取银行的诱因消失了,所以明显节约了安保费用。Lastyear,Swedish bank vaults held around 3.6 billion kronor in notes and coins,down from 8.7 billion in 2010,According to the bank for据国际清算银行(Bank for International Settlements)透露,去年瑞典银行金库将拆除约36亿瑞典克朗的纸币和瑞典银行基金会掌握的数百台取款机。

尤其是在农村地区。Eriksson,who now heads the association of Swedish private security companies,a lobbying group for firms providing security for cash trannance现在瑞典私人保安公司协会会长埃里克森指责银行和信用卡公司试图“低价现金吸管市场”,试图退居卡和电子。信用卡和电子支付可以产生成本收益。协会是代表现金运输护送公司的游说团体。

”I dont think thats something they should decide on their own,“he said”。should they really be able to use their market force to turn swn我不指出这件事要自己决定。

“他说。”要利用市场力量让瑞典成为一个没有现金的社会吗?“The government has not sought to stem The cashless tide . if anything,it has benefited from more efficient tax collection,because election政府没有试图阻止没有现金流。事实上,由于税收收集效率的提高,电子交易会留下痕迹,因此是受益者。仍然常用现金的希腊和意大利等国逃税漏税仍然是个大问题。

Leif trogen,an official at the Swedish bankers association,Acknowledged that banks were earning substantial fee income from the cashless瑞典银行家协会(Swedish Bankers Association)负责人里夫特罗根(Leif Trogen)表示:“但是,银行和企业积极用现金进行交易是很昂贵的,因此增加现金在财务上是合理的。”cash is certainly not dead . the Swedish central bank,the rik s bank,predicts it will decline fastbut still be circulating in 20 years . recently,the rik s bank issued newly redesigned coins and notes。当然,现金还没有被杀害。

瑞典中央银行瑞典国家银行(Riksbank)预计现金流通量将迅速上升,但在未来20年内仍不会流通。瑞典国家银行最近发行了硬币和纸币的新设计。but for an increasing number of consumers,Cash is no longer a habit。

但是对更多的消费者来说,现金缴纳仍然是消费习惯。At the university of Gothenburg,students said they almost exclusively used cards and electronic payments。“no one uses cash,”sash 23。“I think our generation can live without it。


”我不需要我们这一代人花现金。“The downside,she conceded,was that it was easy to spend without thinking。”I do spend more,“ek said”。but if I had a 500km公里Id think twice about spending it all。

(five hundred kronor is about $58)。)她否认缺点是不假思索地花钱更容易。


”(500克朗约合58美元。)the shift has rippled through even the most unlikely corners of the Swedish economy。即使是瑞典经济中最意想不到的角落也受到这种变化的影响。

史蒂芬威封面格,65,Was homeless four years after losing his job as an it technician . he has A place to live now and sells magazines for Situation stock他发现根本没有人装载现金,就开始用移动刷子收款。“now people cant get away,”said wik Berg,who carries a sign saying he accepts visa,master card and American express。“when `i dont have change,I tell they can pay with card or even by SMS,”he said,Referring to text messages . his sales have grave维克伯格说:“现在人们没有借口了。

他有一个牌子,上面写着不接受签证、万事达卡和美国运通(American Express)。”“当他们说‘我没有零钱’时,我告诉他们可以用卡,甚至用短信支付。”自2年前用于信用卡结算机以来,他的销售额增长快了30%。

Despite the convenience,even some who stand to gain from a cashless society see drawbacks。尽管很方便,但一些反对没有现金的社会的人也看到了弊端。“Sweden has always been at the forefront of technology,so its easy to embrace this”said Jacob de Geer,a founder of ize ttle,Which但是对音乐巨头乌尔比乌斯来说,这种担心被高估了。

“everything speaks in favor of a cashless society”,he said as he strolled past the ABBA museum to retrieve his car。“its a utopian thoun “这是一个乌托邦的想法,但我们已经很相似了。”he paused at a hot-dog stand for a snack . but when he was ready to pay,the card reader was broken。他停在热狗摊前卖零食。

但是当他想借钱的时候,他害怕刷卡机。Sorry,“the vendor said。”“youll have to use cash。





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