????移動(dòng)錢(qián)包前路漫漫

????一些公司正在試圖改變?nèi)藗冊(cè)谏痰晔浙y臺(tái)前的付款方式，他們會(huì)不可避免地夸大現(xiàn)金和信用卡的不便之處。事實(shí)上，如果時(shí)常掏出錢(qián)包就是你生活中最大的麻煩，那你可真是幸運(yùn)。不過(guò)我們?nèi)匀豢梢云诖苿?dòng)支付在今年有所進(jìn)展。這項(xiàng)技術(shù)的核心思想就是用設(shè)備中的瑞士軍刀——智能手機(jī)——來(lái)取代信用卡和現(xiàn)金。在商店終端前搖一搖手機(jī)，你的借記卡或信用卡賬戶就會(huì)支付消費(fèi)金額。去年大張旗鼓問(wèn)世的蘋(píng)果支付，只是爭(zhēng)奪用戶的眾多同類(lèi)服務(wù)中的一種。貝寶、Visa的PayWave和萬(wàn)事達(dá)卡的PayPass之前的嘗試，在很大程度上都未能吸引用戶。研究公司Jackdaw Research的分析師簡(jiǎn)?道森認(rèn)為，該技術(shù)在2014年的早期采用者中表現(xiàn)驚艷，應(yīng)該可以在今年實(shí)現(xiàn)更大發(fā)展——尤其是在美國(guó)以外。但他也表示，移動(dòng)支付仍需一定時(shí)間才會(huì)被廣泛使用。道森說(shuō)：“這是一項(xiàng)慢熱的技術(shù)，它不會(huì)在明年就顛覆世界。”

????Show me the (mobile) money

????Companies trying to revolutionize how people pay at store cash registers inevitably describe using cash and credit cards as a huge inconvenience. Reality check: if occasionally having to pull out your wallet is among your biggest problems, then you're lucky. Still, look for mobile payments to make some gains this year. The general idea is replace credit cards and cash with smartphones, the Swiss Army knife of devices. Wave your phone in front of a store terminal and, presto, your purchase is billed to your bank or credit card account. Apple Pay, introduced last year to great fanfare, is just one of the many services jostling for users. Previous efforts by PayPal, Visa's PayWave, and MasterCard'sPayPass largely failed to catch on. Jan Dawson, an analyst with Jackdaw Research, expects the technology to gain more traction this year—particularly overseas—after a strong showing among early adopters in 2014. But he warned that widespread adoption is still sometime off in future. "It’s a slow burn technology," he says. "It's not going to take the world by storm next year."