報告顯示 中國移動支付規模是美國的近50倍

Payments made on Chinese smartphones are nearly 50 times greater than the number of mobile transactions in the United States, signaling a late-mover advantage with robust potential for the fintech sector, the Financial Times reported.

據《金融時報》報道，中國移動支付的規模是美國的近50倍，顯示出中國在金融科技這一方面具有的後發優勢及巨大的潛力。

The value of third-party mobile payments more than tripled to 38 trillion yuan ($5.5 trillion) in China last year according to estimates by consultants iResearch, while Forrester Research reported a 39 percent increase to $112 billion in the United States.

據艾瑞諮詢公司估算，去年中國第三方移動支付的價值增長了近三倍，達到了38萬億元人民幣（約合5.5萬億美元），而佛雷斯特研究公司則報告稱，美國的移動支付市場規模只增長了39%，僅爲1120億美元。

The rise of Chinese mobile payments has been driven by the explosive growth of online shopping as well as internet financial services such as peer-to-peer lending and readily-accessible money market funds, the newspaper reported.

據報道，中國移動支付的增長是由網購的爆炸式增長以及P2P和隨處可得的借貸資金等互聯網金融服務所共同驅動的。

Online sales surged 26.2 percent to 5.2 trillion yuan in 2016, according to the National Bureau of Statistics. Over half of Chinese mutual funds are now sold online, up from only 5 percent in 2012.

據中國國家統計局稱，2016年中國網絡銷售額增長了26.2%，達到了5.2萬億元。現在中國超過一半的共有基金都在網上銷售，而2012年這一數據還只有5%。

Last year was a turning point for online payments, the newspaper pointed out, as their presence at physical retailers became ubiquitous.

報道指出，去年是在線支付的一個轉折點，很多實體店都開始引進並支持移動支付。

Customers can choose to pay with their mobiles at Starbucks, Ikea or even breakfast stalls and manicure shops.

客戶們可以在星巴克和宜家裏用手機付款，甚至在早餐攤和美甲店裏也可以。

While Alipay and WeChat Wallet, the payment arms of the country's tech giant Alibaba and Tencent respectively, play dominant roles, the US market is split between Apple, Google, Samsung and Paypal.

阿里巴巴旗下的支付寶和騰訊旗下的微信錢包主宰了中國市場，而美國市場則由蘋果、谷歌、三星和貝寶四分天下。