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Alipay study: Smartphones are likely to replace wallets

調查顯示：移動支付有望取代傳統支付方式

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.

最新調查顯示，在2015年，有多達65%的網上支付賬單是通過移動設備完成的，這預示著智能手機移動支付有望在不遠的將來取代傳統支付方式。

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.

根據電商巨頭阿里集團移動支付事業部支付寶發布的數據，該比例比2014年同比增長了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提供商，支付寶認為：隨著出租車呼叫和酒店預訂等o2o交易的快速發展，移動支付已經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.

支付寶的報告表明，移動支付在中國欠發達的西部地區地區更加普及。

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83.3%的網上支付賬單都是通過移動設備完成的，該比例居全國首位。

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，移動支付賬單數量占網絡支付賬單總數的平均比例接近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缺少傳統實體商戶，這是移動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“相對于繁華的都市，在這些西部地區人們會選擇網購來購買需要的商品，所以智能手機支付會更普遍”

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支付的次數較少，但是他們在支付寶平臺的消費總額，體現了他們更強大的購買力。

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.

報道顯示上海居民2015的人均網上支付總額超過十萬元，位居中國支付寶用戶首位。

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

除了網購以外，在線理財產品的購買也促進了支付寶交易額的增長。

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

支付寶在線理財產品的購買者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%的購買者年齡在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.

支付寶增加了理財產品和結賬功能，通過整合這些功能特性，支付寶進一步鞏固了它在中國移動支付市場的主導地位。

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

北京互聯網咨詢公司易觀國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，鑒于中國線下市場前景廣闊，越來越多的公司開展了移動支付業務，比如便利商店和電影院的智能手機支付。因此馬濤預測支付寶的市場占有率將會有所下降。