Mobile money: Here at last
BBC 20 May 2011
Rory Cellan-Jones Technology correspondents Technology correspondent
觀賞：Rory Cellan-Jones展示了手機如何付費使用
From today, when you want to buy a coffee or a sandwich, instead of reaching for coins or a credit card you can just brandish your phone.
從今天開始，當你想購買一杯咖啡或三明治，只要揮動您的手機就可取代伸手拿硬幣或信用卡。
The mobile wallet has arrived in Britain, in the form of a Samsung phone and a joint venture between Barclaycard and Orange.
Amazing, huh? Well, not really. While the new phone, using near field communication technology (NFC) to allow contactless payments, is a real step forward, what's surprising is just how long it has taken to happen.
行動錢包已在英國上市，巴克萊卡和奧蘭治電信以三星手機的形式建立起合資企業。
驚人的，是吧？哦，也並不盡然。雖然新的手機，使用近場通信技術（NFC Near Field Communications 近端交易技術）的，允許非接觸支付，讓人驚訝的是花了那麼長的時間才跨越真實的一步。
Mobile money is the revolution that has been just over the horizon for more than a decade. In 1999 I went to see Nokia in Helsinki.
Amongst the things they were keen to demonstrate, were various ways you could pay with your phone, including a car-wash and a drinks vending machine. The payments system was crude - it involved sending an SMS - but we were assured this was just the beginning and soon our sim cards would become our credit cards.
行動錢包革命發展比一的年代更超越眼界。 1999年，我去看了在赫爾辛基的諾基亞。
在這當中，他們都渴望證明，可以有很多不同的方法使用手機支付費用，包括洗車和飲料自動販賣機。支付系統是很簡略的 - 它涉及發送簡訊 (short message service) - 但我們確信這只是開始，我們的SIM卡將很快成為我們的信用卡。
But we waited - and waited, and apart from a few clunky systems such as phoning up to pay for parking, nothing happened.
There was a pilot scheme a few years back involving O2, London's Oyster travel card system and some sandwich bars, but that came and went.
但是，我們等待 - 和等待，除了少數笨重的系統，例如打電話到付停車費，什麼都沒有發生。
包含02(英國娛樂中心 會場)，倫敦的Oyster旅行卡系統和一些三明治酒吧在幾年前有一項試驗計劃，但來了又去。
M-Pesa is used by thousands of people every day in Kenya
The technology - NFC - had arrived, but it seemed there was not really the will from the mobile operators, the manufacturers, and the banks to come together and convince consumers that this was something they needed.
在肯亞成千上萬的人每天都使用M – PESA
(PS : 90% 的肯亞人沒有開設傳統的銀行帳戶，可是肯亞的行動電話滲透率卻是銀行帳戶持有人的三倍左右。所以肯亞出現了一個手機上面的服務叫做 M-Pesa，這個服務可以讓肯亞人用手機做匯款和繳費的服務，不用透過銀行，對於當地人民來說，他們不知道什麼叫做網路銀行，更遑論用網路銀行來轉帳或是付款，但是手機卻直接跳過了這些，讓他們同樣享有便利。所以「無線」提供了原本落後國家相當好的機會，讓他們在匯流的時代可以迎頭趕上。)
NFC的技術 –已到來，但似乎並不是行動物件使用者真正的意願，製造商，銀行一起運作，並說服消費者，這是他們需要的東西。
Meanwhile, the mobile money revolution was happening - in Africa. Travel to Kenya, and on every street you will see shops and kiosks offering the mobile money transfer service M-Pesa.
與此同時，行動錢包革命在非洲發生了。在肯亞旅行，你會看到每一條街道的商店和售貨亭(公用電話亭)都有提供M - PESA匯款服務。
In a country where only a minority have bank accounts, the idea that you can transfer money to friends or relatives hundreds of miles away without climbing aboard a bus has proved a huge hit. It isn't very high tech - at least not in terms of what happens on the handsets - but it's definitely turned Kenyans' phones into mobile wallets.
在這個國家裡，只有少數人擁有銀行帳戶，你可以匯款給朋友或數百英里遠的親戚而不用乘坐巴士登山的這個想法，已被證明引起巨大轟動。至少據發生在手機上的事這不是很高科技 的 - 但它絕對讓肯亞人的手機轉變為行動錢包。
Now that idea is coming to the UK, albeit in quite a limited form for now. On the Orange Barclaycard phones you will only be able to spend a maximum of £15 a time, so you're unlikely to decide you can afford to leave your credit cards behind when you leave home in the morning.
現在，這種想法已來到英國，儘管到目前還有相當的限制。在奧蘭治巴克萊卡手機，您一次最多只能儲值15英鎊，所以當你早上離開家你不太可能承擔不帶信用卡的風險。
But other operators will follow Orange, and once NFC becomes a standard feature of new phones, it's possible that mobile payments will become commonplace too.
What we cannot know at this stage is whether consumers will be keen to see their phones as wallets. In Africa, the service meets a real need and millions have leapfrogged straight from cash to mobile currency without ever being conventional banking customers, writing cheques or using cards to get money out of a cash machine.
但其他使用者將跟隨奧蘭治，一旦NFC功能的新手機成為標準配備，行動支付也將可能司空見慣。
我們在這個階段無法知道是消費者是否會希望看到自己的手機作為錢包。在非洲，服務滿足了實際需要，數百萬沒有成為傳統銀行的客戶，以寫支票或使用卡片從提款機中取出現金而一舉超越直接從現金到流動的貨幣。
Here in the UK, mobile money looks like a useful addition to the way we handle our finances, rather than a necessity. Maybe we will all be buying a cappuccino with a swipe of our NFC phones in a few months, but don't expect the revolution that we've seen in Africa.
在這裡，在英國，行動錢包看起來像一個對我們處理我們的財政狀況有益的補充方式，大於必要。在未來幾個月之內，也許我們都將購買NFC手機刷卡來購買卡布奇諾，但不要期望可以看到在非洲的革命。
參考資料：
20110526 Aircafe Break 1
20110527 Aircafe Break 2
BBC 20 May 2011
Rory Cellan-Jones Technology correspondents Technology correspondent
觀賞：Rory Cellan-Jones展示了手機如何付費使用
From today, when you want to buy a coffee or a sandwich, instead of reaching for coins or a credit card you can just brandish your phone.
從今天開始，當你想購買一杯咖啡或三明治，只要揮動您的手機就可取代伸手拿硬幣或信用卡。
The mobile wallet has arrived in Britain, in the form of a Samsung phone and a joint venture between Barclaycard and Orange.
Amazing, huh? Well, not really. While the new phone, using near field communication technology (NFC) to allow contactless payments, is a real step forward, what's surprising is just how long it has taken to happen.
行動錢包已在英國上市，巴克萊卡和奧蘭治電信以三星手機的形式建立起合資企業。
驚人的，是吧？哦，也並不盡然。雖然新的手機，使用近場通信技術（NFC Near Field Communications 近端交易技術）的，允許非接觸支付，讓人驚訝的是花了那麼長的時間才跨越真實的一步。
Mobile money is the revolution that has been just over the horizon for more than a decade. In 1999 I went to see Nokia in Helsinki.
Amongst the things they were keen to demonstrate, were various ways you could pay with your phone, including a car-wash and a drinks vending machine. The payments system was crude - it involved sending an SMS - but we were assured this was just the beginning and soon our sim cards would become our credit cards.
行動錢包革命發展比一的年代更超越眼界。 1999年，我去看了在赫爾辛基的諾基亞。
在這當中，他們都渴望證明，可以有很多不同的方法使用手機支付費用，包括洗車和飲料自動販賣機。支付系統是很簡略的 - 它涉及發送簡訊 (short message service) - 但我們確信這只是開始，我們的SIM卡將很快成為我們的信用卡。
But we waited - and waited, and apart from a few clunky systems such as phoning up to pay for parking, nothing happened.
There was a pilot scheme a few years back involving O2, London's Oyster travel card system and some sandwich bars, but that came and went.
但是，我們等待 - 和等待，除了少數笨重的系統，例如打電話到付停車費，什麼都沒有發生。
包含02(英國娛樂中心 會場)，倫敦的Oyster旅行卡系統和一些三明治酒吧在幾年前有一項試驗計劃，但來了又去。
M-Pesa is used by thousands of people every day in Kenya
The technology - NFC - had arrived, but it seemed there was not really the will from the mobile operators, the manufacturers, and the banks to come together and convince consumers that this was something they needed.
在肯亞成千上萬的人每天都使用M – PESA
(PS : 90% 的肯亞人沒有開設傳統的銀行帳戶，可是肯亞的行動電話滲透率卻是銀行帳戶持有人的三倍左右。所以肯亞出現了一個手機上面的服務叫做 M-Pesa，這個服務可以讓肯亞人用手機做匯款和繳費的服務，不用透過銀行，對於當地人民來說，他們不知道什麼叫做網路銀行，更遑論用網路銀行來轉帳或是付款，但是手機卻直接跳過了這些，讓他們同樣享有便利。所以「無線」提供了原本落後國家相當好的機會，讓他們在匯流的時代可以迎頭趕上。)
NFC的技術 –已到來，但似乎並不是行動物件使用者真正的意願，製造商，銀行一起運作，並說服消費者，這是他們需要的東西。
Meanwhile, the mobile money revolution was happening - in Africa. Travel to Kenya, and on every street you will see shops and kiosks offering the mobile money transfer service M-Pesa.
與此同時，行動錢包革命在非洲發生了。在肯亞旅行，你會看到每一條街道的商店和售貨亭(公用電話亭)都有提供M - PESA匯款服務。
In a country where only a minority have bank accounts, the idea that you can transfer money to friends or relatives hundreds of miles away without climbing aboard a bus has proved a huge hit. It isn't very high tech - at least not in terms of what happens on the handsets - but it's definitely turned Kenyans' phones into mobile wallets.
在這個國家裡，只有少數人擁有銀行帳戶，你可以匯款給朋友或數百英里遠的親戚而不用乘坐巴士登山的這個想法，已被證明引起巨大轟動。至少據發生在手機上的事這不是很高科技 的 - 但它絕對讓肯亞人的手機轉變為行動錢包。
Now that idea is coming to the UK, albeit in quite a limited form for now. On the Orange Barclaycard phones you will only be able to spend a maximum of £15 a time, so you're unlikely to decide you can afford to leave your credit cards behind when you leave home in the morning.
現在，這種想法已來到英國，儘管到目前還有相當的限制。在奧蘭治巴克萊卡手機，您一次最多只能儲值15英鎊，所以當你早上離開家你不太可能承擔不帶信用卡的風險。
But other operators will follow Orange, and once NFC becomes a standard feature of new phones, it's possible that mobile payments will become commonplace too.
What we cannot know at this stage is whether consumers will be keen to see their phones as wallets. In Africa, the service meets a real need and millions have leapfrogged straight from cash to mobile currency without ever being conventional banking customers, writing cheques or using cards to get money out of a cash machine.
但其他使用者將跟隨奧蘭治，一旦NFC功能的新手機成為標準配備，行動支付也將可能司空見慣。
我們在這個階段無法知道是消費者是否會希望看到自己的手機作為錢包。在非洲，服務滿足了實際需要，數百萬沒有成為傳統銀行的客戶，以寫支票或使用卡片從提款機中取出現金而一舉超越直接從現金到流動的貨幣。
Here in the UK, mobile money looks like a useful addition to the way we handle our finances, rather than a necessity. Maybe we will all be buying a cappuccino with a swipe of our NFC phones in a few months, but don't expect the revolution that we've seen in Africa.
在這裡，在英國，行動錢包看起來像一個對我們處理我們的財政狀況有益的補充方式，大於必要。在未來幾個月之內，也許我們都將購買NFC手機刷卡來購買卡布奇諾，但不要期望可以看到在非洲的革命。
參考資料：
20110526 Aircafe Break 1
20110527 Aircafe Break 2
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