我聽說中國基本上是無現(xiàn)金社會，這在多大程度是真的？
I've heard that China is mostly cashless; how true is this?
譯文簡介
后續(xù)一個問題是，你喜歡這種方式嗎？
正文翻譯
I've heard that China is mostly cashless; how true is this?
我聽說中國基本上是無現(xiàn)金社會，這有多大程度是真的？
我聽說中國基本上是無現(xiàn)金社會，這有多大程度是真的？
A follow up question would be is do you like it this way?
后續(xù)一個問題是，你喜歡這種方式嗎？
后續(xù)一個問題是，你喜歡這種方式嗎？
評論翻譯
很贊 ( 20 )
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Likes: 356
Pretty much true.
基本屬實。
Likes: 223
I tried paying cash for my breakfast on the side of the street from a cart and the lady looked at me funny and just let me have it for free...
This was in 2017...
我曾在街邊一個推車攤上想用現(xiàn)金買早餐，那位女士用奇怪的眼神看著我，然后就讓我免費拿走了……
那是在2017年……
Likes: 108
I genuinely think many people assume trying to pay in cash means you are poor and have no money on WeChat/Alipay lol
老實說，我覺得很多人會認(rèn)為，如果你想用現(xiàn)金支付，就代表你很窮，微信/支付寶里沒錢，哈哈。
Likes: 41
Actually you still can make payment in cash (this is in Guangdong area). However, they might not have change for you. There was once they gave me candy (as change) because they didn't have change for like 5 RMB
實際上，你還是可以用現(xiàn)金支付的（至少在廣東地區(qū)是這樣）。不過，他們可能沒有零錢找給你。有一次因為找不開5塊人民幣，他們給了我糖果（當(dāng)作零錢）。
Likes: -10
It is illegal to not take cash actually.
實際上，拒收現(xiàn)金是違法的。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
Likes: 19
Ah good so if i go to China and they dont accept cash i just call 911 to get em arrested.
Not sure if your answer solves any practical issues.
啊，那太好了，所以如果我去中國他們不收現(xiàn)金，我就直接打911讓他們被逮捕。
我不確定你的回答是否解決了任何實際問題。
Likes: 16
Native here. It's actually illegal for government organizations and big companies to refuse cash payment - you can actually sue them, but that doesn't apply to individual traders. The People's Bank of China is responsible for overseeing the use of cash but they won't care about individuals who refuse cash..
我是本地人。實際上，政府機(jī)構(gòu)和大型企業(yè)拒收現(xiàn)金是違法的——你甚至可以起訴他們，但這不適用于個體商戶。中國人民銀行負(fù)責(zé)監(jiān)管現(xiàn)金使用，但他們不會去管那些拒收現(xiàn)金的個人……
Likes: 3
It won’t solve yours! Gotta dial 110.
那解決不了你的問題！你得打110。
Likes: 9
I paid cash about half of the time because the area I was living at in Beijing was notorious for poor cell reception and most vendors had a small cache of loose changes laying around.
我大約有一半的時間是付現(xiàn)金，因為我當(dāng)時在北京住的那個區(qū)域手機(jī)信號差是出了名的，大多數(shù)攤販?zhǔn)诸^都會備有一些零錢。
Likes: 2
Out of curiosity, Where was that?
出于好奇，那是在哪里？
Likes: 4
xiaoHuangZhuang neighborhood, north HePingLi
小黃莊小區(qū)，和平里北邊。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
Likes: 2
Do people that still use cash have problems with getting change?
那些仍然使用現(xiàn)金的人在找零錢方面會有麻煩嗎？
Likes: 1
I went to a nice restaurant the other day and the bill was 194 y. Gave them 200 and they wechatted me back 6 y change. The waiter said them had no small money. It worked.
前幾天我去了一家不錯的餐廳，賬單是194元。我給了他們200元，他們通過微信給我轉(zhuǎn)回了6元零錢。服務(wù)員說他們沒有零錢。這樣也行得通。
Likes: 161
I haven’t touched cash for at least 5 years…
我至少有5年沒碰過現(xiàn)金了……
Likes: 35
I don't even know what the bills/coins look like. I kown the 100￥ RMB is red. That's about it.
我甚至都不知道那些紙幣/硬幣長什么樣。我就知道100元人民幣是紅色的。僅此而已。
Likes: 5
1 is small and green. 0.5 is maroon. 5 is purple. 10 is dark blue. 20 is brown. 50 is bigger and green. 100 is red.
Coins pretty much no one uses. But the small ones are cents and the ones with raised 5 edges are centimes. I think
1元是小張的，綠色。0.5元是褐紅色。5元是紫色。10元是深藍(lán)色。20元是棕色。50元是更大張的，綠色。100元是紅色。
硬幣基本上沒人用。不過小面額的是“分”，而那些有5個凸起邊緣的硬幣是“生丁”（法國貨幣單位）。我猜的。
Likes: 5
Same, haven't used or held cash since well before COVID. Not once.
一樣，從新冠疫情之前很久我就沒用過或拿過現(xiàn)金了。一次都沒有。
Likes: 0
and you think you are cool.
cash is our last freedom no control you can buy without anyone knowing
but young people fighting tech comp.for privacy
你還覺得這樣很酷。
現(xiàn)金是我們最后的自由，不受控制，你可以買東西不讓任何人知道。
但是年輕人卻在為了隱私和科技公司斗爭。
Likes: 1
My friend, I have enough money to disappear if needed. The fact that I don’t use cash on daily basis, doesn’t mean that I have been under control.
我的朋友，如果需要，我有足夠的錢消失。我日常不使用現(xiàn)金，并不意味著我受到了控制。
Likes: 120
I forgot what Chinese cash looks like. I do know the 100 is red.
我都忘了中國現(xiàn)金長什么樣了。我就知道100元是紅色的。
Likes: 30
Surely because of Hongbao!
肯定是因為紅包！
原創(chuàng)翻譯：龍騰網(wǎng) http://www.mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
Likes: 8
This is basically the only time you use cash.
這基本上是你唯一會用到現(xiàn)金的時候了。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
Likes: 3
People just sent me hongbao on WeChat too.
大家也直接在微信上給我發(fā)紅包。
Likes: 1
Lacks a bit of the holiday spirit, especially for the 8 and under crowd. But it does happen.
少了一點節(jié)日氣氛，特別是對8歲及以下的孩子們來說。但這確實會發(fā)生。
Likes: 2
Also 1 rmb exists as both a coin and a green note. I remember because you never had it in the correct format for vending machines (some took notes, others coins)
Everything else? No idea
還有，1元人民幣既有硬幣也有綠色的紙幣。我記得這個是因為你永遠(yuǎn)沒法準(zhǔn)備對自動售貨機(jī)胃口的正確版本（有些收紙幣，有些收硬幣）。
其他的？不知道了。
Likes: 51
So used to cashless i forgot to bring money when i went to another country for a visa/border run.
太習(xí)慣無現(xiàn)金支付了，以至于我去另一個國家辦簽證/出入境時都忘了帶錢。
Likes: 1
Yep, a friend went there recently and said that you're quite handicapped if you lost your phone there. Can't pay for things if you don't have cash, can't call a cab, can book stuff or maps etc...
是的，一個朋友最近去了那里，說如果你在那兒丟了手機(jī)，你會寸步難行。沒現(xiàn)金就付不了錢，叫不到出租車，也訂不了東西或查不了地圖等等……
Likes: 51
About 5 or 6 years ago an older friend of mine gave me 100RMB in cash for something I paid. A little strange, but still acceptable at the time. I thought let me keep that 100 in my phone cover for if I ever need it in an emergency. That red 100 note was in my phone cover for almost 3 years. Never used it. Never needed to
大約五六年前，我一位年長些的朋友因為我墊付了什么東西，給了我100元人民幣現(xiàn)金。當(dāng)時感覺有點奇怪，但還能接受。我想著把這100塊放在手機(jī)殼里，以備不時之需。那張紅色的100元鈔票在我手機(jī)殼里放了將近3年。一次也沒用過，也一次都沒需要用。
原創(chuàng)翻譯：龍騰網(wǎng) http://www.mintwatchbillionaireclub.com 轉(zhuǎn)載請注明出處
Likes: 7
I currently have a 100 at the back of my phone that someone gave me aswell. Don't think I'll ever need it
我現(xiàn)在手機(jī)背后也放著一張別人給我的100元。感覺我永遠(yuǎn)都用不著它。
Likes: 5
I did the exact same thing, ended up using the 100 note one day when my phone battery died and I wanted to buy something. Was pleasantly surprised the store still accepted cash and even gave me change :)
我做過完全一樣的事情，結(jié)果有一天我手機(jī)沒電了想買東西，就用了那張100元鈔票。驚喜的是，那家店居然還收現(xiàn)金，甚至還給我找了零錢 :)
Likes: 1
That 100 is there as backup, for the case I'm out of battery.
那100塊是備用的，萬一我手機(jī)沒電了呢。
Likes: 167
Imo the big thing about payments in China isn't even about being cashless, that's already pretty standard in many countries. The big thing about Chinese payments is how integrated literally everything is, I pay my rent and hospital feels at the same place I pay for dumplings and online purchases. Being cashless is nice, but imo not having to put my credit card into a bazillion different payment portals (that might or might not steal my data lM) is by far the best feature of the Chinese payment systems. I don't think I've ever used my card online
"Oh but PayPal is the sa-", sorry bud no, paypal sucks ;p
在我看來，中國支付的最大特點甚至不是無現(xiàn)金化，這在很多國家已經(jīng)相當(dāng)普遍了。中國支付的牛B之處在于幾乎所有東西都整合得多么徹底：我付房租、付醫(yī)藥費，和我買餃子、網(wǎng)購，用的都是同一個平臺。無現(xiàn)金當(dāng)然好，但在我看來，不必把我的信用卡信息輸入到無數(shù)個不同的支付門戶（這些門戶還可能竊取我的數(shù)據(jù)，笑死）才是中國支付系統(tǒng)迄今為止最棒的功能。我想我從來沒有在網(wǎng)上用過我的銀行卡。
“哦，但PayPal也一……”——抱歉哥們兒，并不是，PayPal爛透了 ;p
Likes: 81
China basically skipped credit/debit cards as they started using them so late that when mobile payments came in there was so little card penetration of society that there was little push back against it and it was able to become the dominant form of payment incredibly quickly
中國基本上跳過了信用卡/借記卡階段，因為他們開始使用這些卡片的時間太晚了，以至于當(dāng)移動支付出現(xiàn)時，銀行卡在社會上的普及率非常低，因此幾乎沒有遇到什么阻力，移動支付得以極其迅速地成為主流支付方式。
Likes: 52
Skipped credit cards and went to mobile payments kinda like what's happened with EVs.
Chinese gasoline cars weren't great, but there's been a big jump to EVs and they're industry leading in some aspects.
跳過信用卡直接進(jìn)入移動支付，有點像電動汽車領(lǐng)域發(fā)生的情況。
中國的燃油車之前不怎么樣，但是現(xiàn)在電動汽車有了巨大的飛躍，并且在某些方面處于行業(yè)領(lǐng)先地位。
Likes: 1
Some aspects? How can you compare Chinese EVs to Tesla or European ones and think they're only ahead in some aspects?
They're absolutely dominating them in everything
某些方面？你怎么能把中國的電動汽車和特斯拉或歐洲的電動汽車相比，然后認(rèn)為它們只在某些方面領(lǐng)先？
它們在所有方面都絕對碾壓它們。
Likes: 1
Also skipped landlines and went to mobile. And also computers, though not to the same extent.
同樣也跳過了固定電話，直接進(jìn)入了移動時代。計算機(jī)也是，盡管程度沒那么高。
Likes: 6
Although I do think that's a massive factor of it, I don't think it's the main one. Back home in Brazil we also reinvented QR Code payments, and even though we've had credit cards for centuries QR Code payment is expected to surpass credit cards in less than 5 years since the creation of instant payments
China not having credit cards at all definitely helped to this massive adoption, but imo the issue here is how USA/EU banking systems are slow to upgrade compared to anything else. Regardless of habits, if the product is good people will naturally use it over time
雖然我確實認(rèn)為那是一個巨大的因素，但我不認(rèn)為它是最主要的。在我的祖國巴西，我們也重新發(fā)明了二維碼支付，盡管我們使用信用卡已經(jīng)有幾個世紀(jì)了，但二維碼支付預(yù)計在即時支付創(chuàng)建后不到5年內(nèi)就會超過信用卡。
中國完全沒有信用卡這一點無疑促進(jìn)了移動支付的大規(guī)模普及，但在我看來，這里的問題在于美國/歐盟的銀行系統(tǒng)與其他任何系統(tǒng)相比升級都太慢了。不管人們的習(xí)慣如何，如果產(chǎn)品好，隨著時間的推移，人們自然會使用它。
Likes: 1
Handwritten checks are even still accepted in the US! A few years ago I tapped my card on the terminal (instead of swiping it), the cashier was blown away -- "What did you just do?" he asked me.
在美國，手寫支票甚至現(xiàn)在都還在用！幾年前，我把卡在終端機(jī)上輕輕一碰（而不是刷卡），收銀員都驚呆了——“你剛才做了什么？”他問我。
Likes: 1
True, and also the majority of Chinese people's first phone was already a smartphone so no need to fight against dumb phone prence
是的，而且大多數(shù)中國人的第一部手機(jī)已經(jīng)是智能手機(jī)了，所以不需要對抗非智能手機(jī)的普及問題。
Likes: 8
I wish it was as cashless in the U.S…
I had to go get some checks from my bank then go to the post office to mail it to pay for my state tax last week - easily took an hour of my time.
I found it amazing that in this day and age they still do not have online payment for this. I had to pay for the checks at the bank too.
我真希望美國也能這么無現(xiàn)金化……
上周為了交州稅，我不得不先去銀行取一些支票，然后再去郵局郵寄——隨隨便便就花了我一個小時。
我覺得很驚訝，都什么年代了，他們居然還沒有為此開通在線支付。我在銀行買支票也得付錢。
Likes: 2
Which state? They need to hire programmers lM.
哪個州？他們需要招些程序員啊，笑死。
Likes: 3
Kentucky
肯塔基州。
Likes: 2
This does not surprise me
那我一點也不驚訝。
Likes: 1
Can you send money to other people using Apple Pay if they don't have an Apple phone?
WC/AliP does C2C, B2Cand B2B regardless of platform, I don't think Apple Pay does, or? (I've never used it so am curious)
如果對方?jīng)]有蘋果手機(jī)，你能用 Apple Pay 給他們轉(zhuǎn)賬嗎？
微信/支付寶可以進(jìn)行個人對個人、企業(yè)對個人和企業(yè)對企業(yè)的跨平臺支付，我覺得 Apple Pay 做不到吧？（我從沒用過，所以很好奇）
Likes: 1
Transferring money is the only thing that is still clunky in the UK. My friends all do bank transfers via the banking app if splitting a cheque lol.
在英國，轉(zhuǎn)賬是唯一仍然很麻煩的事情。如果我的朋友們要分?jǐn)傎~單，他們都會用銀行App進(jìn)行轉(zhuǎn)賬，哈哈。
Likes: 2
Totally agree. I think one of the clear advantages I see (which imo aided in the purchase of EVs) is the ability to use WeChat/Ali to pay for their EV charging. No need for multiple apps, creation of multiple accounts, uploading your cc details into every app etc. it's seamless
The only downside for me is that
your phone is so damn important that if you run out of battery or suddenly dies, your in trouble
I feel their websites are not optimized as their focus is mostly on phone apps
完全同意。我認(rèn)為我看到的一個明顯優(yōu)勢（在我看來，這也促進(jìn)了電動汽車的購買）是能夠使用微信/支付寶來支付電動汽車充電費用。不需要多個應(yīng)用程序，不需要創(chuàng)建多個帳戶，也不需要將你的信用卡詳細(xì)信息上傳到每個應(yīng)用程序等等，一切都是無縫的。
對我來說唯一的缺點是：
1）你的手機(jī)太重要了，如果沒電或者突然壞了，你就麻煩了。
2）我覺得他們的網(wǎng)站沒有優(yōu)化好，因為他們的重點主要在手機(jī)App上。
Likes: 1
I agree with you 100%, however it is just western mindset that if it is a monopoly that means, it is depriving of your rights of choice.
我百分之百同意你的看法，但這只是西方思維模式，認(rèn)為如果是壟斷，就意味著剝奪了你的選擇權(quán)。
Likes: 1
integrated
Yeah even their stoplights are integrated into their gps apps. You can see a stoplight timer on when the stoplight will turn green.
“整合”
是的，甚至他們的紅綠燈都整合到GPS應(yīng)用里了。你可以在GPS上看到紅綠燈變綠的倒計時。
Likes: -11
Yeah im sure having your data centralized in one place is a good idea
是啊，我“確信”把你的數(shù)據(jù)集中存放在一個地方是個好主意。
Likes: 5
Buddy its a sub about foreigners that live in China. If you're living in China and concerned about this kind of stuff you're 1) an idiot for even coming in the first place 2) this should be the least of your worries lM
Besides, it's so ridiculously easy to buy and pay for Illegal shit on WeChat/Alipay. They should really use their supreme orwellian surveillance network better ffs
哥們兒，這是一個關(guān)于在華外國人的論壇分區(qū)。如果你住在中國還擔(dān)心這種事，那你1）當(dāng)初選擇來這就是個傻子；2）這應(yīng)該是你最不需要擔(dān)心的事情，笑死。
再說，在微信/支付寶上買賣非法玩意兒簡直不要太容易。他們真該好好利用他們那“至高無上”的奧威爾式監(jiān)控網(wǎng)絡(luò)才對，真是的。
Likes: 6
Your comment just means you don’t understand how the Chinese payment systems work. Unless by “one place” you mean your phone, which is the same for almost anywhere. At least it’s encrypted and backed up, unlike a physical wallet.
你的評論恰恰說明了你不了解中國的支付系統(tǒng)是如何運作的。除非你說的“一個地方”是指你的手機(jī)，那幾乎在任何地方都一樣。至少它是加密和備份的，不像實體錢包。
Likes: -7
I mean *** controlled apps like wechat or alipay
我指的是像微信或支付寶這樣受***控制的應(yīng)用程序。
Likes: 8
Bruh
What exactly is the *** stealing your data for? They are the ruling party and by definition has everything up to your very DNA in their database since your goddamn birth.
In fact the government being the only one holding the data (assuming Wechat an entity entirely under government control in your mind) it's probably safer than allowing every big corpo to have a share of your data
哥們，
***到底為什么要Q取你的數(shù)據(jù)？他們是ZF，從定義上講，從你出生那天起，你的所有信息，甚至你的DNA都在他們的數(shù)據(jù)庫里了。
事實上，如果政府是唯一掌握數(shù)據(jù)的一方（假設(shè)在你看來微信是完全受政府控制的實體），那可能比讓每個大公司都分一杯羹你的數(shù)據(jù)更安全。
Likes: 2
I spoke to my local colleagues and actually (small sample size though) they would gladly have this information given to the authorities so that they can feel safe.
They have grown up seeing the west being not as safe as china is (through social media etc), and this kinda makes them wanna prioritise feeling safe
我和我當(dāng)?shù)氐耐铝倪^，實際上（雖然樣本量很?。┧麄兒軜芬獍堰@些信息交給當(dāng)局，這樣他們會覺得更安全。
他們從小通過社交媒體等渠道看到西方不像中國那么安全，這使得他們更傾向于優(yōu)先考慮安全感。
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It’s true that majority are cashless, but you can still pay with cash. When shops don’t have cash they transfer the change to your wechat/alipay
確實大部分情況下是無現(xiàn)金支付，但你仍然可以用現(xiàn)金付款。當(dāng)商店沒有現(xiàn)金找零時，他們會把零錢轉(zhuǎn)到你的微信/支付寶里。
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My grandma is from a rural area in Hunan. They still use cash there, but cashless is obv more common.
我奶奶來自湖南的一個農(nóng)村地區(qū)。他們那里仍然使用現(xiàn)金，但無現(xiàn)金支付顯然更普遍。
Likes: 28
Absolutely true. Most people live their lifes without using any cash at all
絕對是真的。大多數(shù)人生活中完全不用任何現(xiàn)金。
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Except for hongbao which just goes from one bedroom drawer to the next it’s basically cashless.
除了紅包基本上是從一個臥室抽屜轉(zhuǎn)到另一個臥室抽屜，其他時候基本都是無現(xiàn)金的。
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To be honest, I just realized that I will only exchange for some cash when I need to leave China and go to other countries only…
老實說，我剛意識到，我只在需要離開中國去其他國家的時候才會換一些現(xiàn)金……
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Yeah because they don’t accept Alipay. But I always have tons of cash left because I used credit card most of the time. The time I need to use cash are hawker centers in Singapore. 3.5SGD for a meal is very worth it.
是的，因為他們不接受支付寶。但我總是剩下很多現(xiàn)金，因為我大部分時間都用信用卡。我需要用現(xiàn)金的時候是在新加坡的小販中心?；?.5新幣吃頓飯非常值得。
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Yah, and based on my experience, some overseas stores are gradually starting to accept Alipay, not just Chinatown. Cool
是的，而且根據(jù)我的經(jīng)驗，一些海外商店也逐漸開始接受支付寶了，不僅僅是唐人街。很酷。
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Even beggars take digital payment. They beg with a QR code.
甚至乞丐都接受電子支付。他們用二維碼乞討。
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Let's put it this way, just about everyone and everyplace takes weixin/alipay, and the odd time when I wanna pay cash, it's 50/50 if they have cash or change on hand.
這么說吧，幾乎每個人和每個地方都接受微信/支付寶支付，偶爾我想用現(xiàn)金的時候，他們手頭有沒有現(xiàn)金或零錢的概率大概是一半一半。
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It is. Though you can still use cash and legally all places must accept it, they often won't have the correct change.
One time cash is dominant is in gift giving, a physical red envelope with physical cash is standard.
是的。雖然你仍然可以使用現(xiàn)金，并且法律規(guī)定所有地方都必須接受現(xiàn)金，但他們通常沒有正確的零錢。
現(xiàn)金占主導(dǎo)地位的一個場合是送禮，標(biāo)準(zhǔn)的做法是裝有實體現(xiàn)金的實體紅包。
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Whether it’s legal or not, I’ve seen a lot of places that refuse to take cash (in Chengdu anyway).
不管合不合法，我見過很多地方拒收現(xiàn)金（至少在成都是這樣）。
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It's 99.9% true. You could use QRCode based payment for almost anything, from street vendor to iPhone (on line or off line retail.). It's also used inter-personally. For example if one want to borrow RMB100 from any other person, a 3 seconds transaction with cellphone would be enough. (And those two person can be anywhere in the world!)
There even a campaign by governement that: "All store shall accept cash as means of payment or face fine!" (I didn't type wrong! most store don't want to accept cash since they JUST DON'T HAVE cash for changes!)
Cashless is so sucessful in China that pick pocket almost not exist most places. People usually don't carry any cash on them, not even bring a purse. Cellphones are face/fingerprint locked so it's almost no meaning to pick pocket.
In some place, one could even do payment in convenient store with face, nothing else is needed, not even cellphone (and it's pretty secure.)
All those are achieved in part of government controls all aspect of your personal data. Every transaction is checked against to a government (related) authentation database with your face data, personal ID number, phone number, (China) bank account and current location, to make things ultra secure. (while you lose anonymity on all transactions.) No credit card or like is needed.
All major cashless payment means are controlled tightly by the government. Providing high security as well as total control.
Anyway, I visit China 10+ times every year. I actually got very annoyed when I get BACK to my home country that I have to use cash or credit card. In China, a cellphone is more than enough for 100% of everyday life.
這是99.9%真實的。從街頭小販到購買iPhone（線上或線下零售），你幾乎可以用二維碼支付任何東西。它也用于人與人之間的轉(zhuǎn)賬。例如，如果一個人想向另一個人借100元人民幣，用手機(jī)進(jìn)行3秒鐘的交易就足夠了。（而且這兩個人可以在世界任何地方?。?br /> 政府甚至發(fā)起過一場運動：“所有商店都必須接受現(xiàn)金作為支付手段，否則將面臨罰款！”（我沒打錯！大多數(shù)商店不想接受現(xiàn)金，因為他們根本沒有現(xiàn)金找零?。?br /> 無現(xiàn)金支付在中國非常成功，以至于大多數(shù)地方幾乎沒有扒手了。人們通常不帶任何現(xiàn)金，甚至不帶錢包。手機(jī)都有面部/指紋鎖定，所以扒竊幾乎沒有意義。
在某些地方，甚至可以在便利店通過刷臉支付，其他什么都不需要，甚至手機(jī)都不用（而且非常安全）。
所有這些的實現(xiàn)，部分原因在于政府控制著你個人數(shù)據(jù)的方方面面。每筆交易都會與一個政府相關(guān)的認(rèn)證數(shù)據(jù)庫進(jìn)行核對，該數(shù)據(jù)庫包含你的面部數(shù)據(jù)、個人身份證號碼、電話號碼、銀行賬戶和當(dāng)前位置，以確保交易的極端安全。（同時你在所有交易中都失去了匿名性。）不需要信用卡之類的東西。
所有主要的無現(xiàn)金支付方式都受到政府的嚴(yán)格控制，既提供了高安全性，也實現(xiàn)了全面控制。
總之，我每年去中國10多次。當(dāng)我回到自己的國家，不得不使用現(xiàn)金或信用卡時，我實際上感到非常惱火。在中國，一部手機(jī)足以應(yīng)付100%的日常生活。
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I live in Suzhou and you can pay with cash in some supermarkets and stores, but be ready to hear something like“I have no change”.
我住在蘇州，在一些超市和商店里你可以用現(xiàn)金支付，但要做好聽到類似“我沒零錢”這樣的話的準(zhǔn)備。
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Yes it is true. Only elderly and kids pay cash sometimes, cause they do not have a phone or watch with pay functions.
是的，這是真的。只有老年人和小孩有時會用現(xiàn)金支付，因為他們沒有帶支付功能的手機(jī)或手表。
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And even kids have smart watch that can have cash transferred to...
而且即使是小孩也有可以轉(zhuǎn)賬進(jìn)去的智能手表……
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It depends where you are.
If you’re in downtown Shanghai at a chain milk tea shop popular with those under 30, 99.9% of clientele are going to be cashless.
If you’re in a small city at the wet market with the old grandmothers, it’s going to be roughly 50-50.
I personally prefer cash so I use cash when I can. I think people overstate the cashlessness of the society, at least when it comes to outside of the major coastal cities. I pay with cash no problem, no issues for 90% of transactions. For the remainder either being ready to scan or having a QR ready for change can be helpful.
Basically, the only times when cash can be a variable is in places where mostly young people are (milk tea/craft beer joints, etc) or in taxis.
But yes, you can be as cashless as you want to be. Literally everyone has a WeChat QR code, everyone.
這取決于你在哪里。
如果你在上海市中心一家受30歲以下年輕人歡迎的連鎖奶茶店，99.9%的顧客都會使用無現(xiàn)金支付。
如果你在一個小城市的菜市場里，和那些老奶奶們在一起，那大概會是五五開。
我個人更喜歡現(xiàn)金，所以只要能用現(xiàn)金我就會用。我認(rèn)為人們夸大了這個社會的無現(xiàn)金程度，至少在主要沿海城市以外是這樣。我用現(xiàn)金支付沒問題，90%的交易都沒有遇到任何麻煩。至于剩下的情況，準(zhǔn)備好掃碼或者準(zhǔn)備一個收款碼來接收找零會很有用。
基本上，只有在年輕人聚集的地方（比如奶茶店/精釀啤酒吧等）或者出租車上，現(xiàn)金支付才可能存在不確定性。
但是，是的，你想多無現(xiàn)金就可以多無現(xiàn)金。毫不夸張地說，每個人都有微信二維碼，每個人。