上周三公布的一項研究報告發(fā)現(xiàn)，超過三分之一的歐洲人和美國人樂意棄用現(xiàn)金，采用電子支付方式，并且至少有20%的人早已這樣做。

研究者在13個歐洲國家、美國和澳大利亞進行了調(diào)查。研究還發(fā)現(xiàn)，在許多最常使用現(xiàn)金的地區(qū)，人們拋棄現(xiàn)金的意愿反而最高。

益普索（Ipsos）受荷蘭國際集團（ING）銀行網(wǎng)站eZonomics的委托進行了該項研究。研究報告稱，歐洲34%的受訪者、美國38%的受訪者表示愿意棄用現(xiàn)金。

歐洲和美國分別有21%和34%的受訪者表示，他們已經(jīng)很少使用現(xiàn)金。

無現(xiàn)金支付的趨勢已經(jīng)非常明顯。歐洲半數(shù)以上的受訪者稱，他們在過去12個月對現(xiàn)金的使用少于以往，有78%的受訪者預(yù)計未來12個月將更少使用現(xiàn)金。

非接觸式智能卡和手機錢包等支付系統(tǒng)，已經(jīng)非常普及，這在許多國家甚至變成了政治問題。

例如，喜歡用現(xiàn)金的德國人擔(dān)心，歐洲央行到明年年底之前，逐步停止流通500歐元貨幣，意味著現(xiàn)金支付將開始走上下坡路。

德國是現(xiàn)金使用頻率最高的國家之一。荷蘭國際集團的調(diào)查顯示，只有10%的德國人稱他們很少使用現(xiàn)金，相比之下，在其鄰國波蘭和法國，這一比例分別達到33%和35%。

調(diào)查還發(fā)現(xiàn)，使用現(xiàn)金較多的國家，往往是最想實現(xiàn)無現(xiàn)金化的國家。

僅19%的意大利人表示，他們很少使用現(xiàn)金，但有41%的受訪者稱他們愿意棄用現(xiàn)金。土耳其、羅馬尼亞、捷克共和國、西班牙甚至德國都表現(xiàn)出類似的趨勢。（財富中文網(wǎng)）

譯者：劉進龍/汪皓

More than a third of Europeans and Americans would be happy to go without cash and rely on electronic forms of payment if they could, and at least 20% already pretty much do so, a study showed on Wednesday.

The study, which was conducted in 13 European countries, the United States and Australia, also found that in many places where cash is most used, people are among the keenest to ditch it.

Overall, 34% of respondents in Europe and 38% in the United States said they would be willing to go cash-free, according to the survey conducted by Ipsos for the ING bank website eZonomics.

Twenty-one percent and 34% in Europe and the United States, respectively, said they already rarely use cash.

The trend was also clear. More than half of the European respondents said they had used less cash in the past 12 months than previously and 78% said they expected to use it even less over the coming 12 months.

Payment systems such as contactless cards and mobile-phone digital wallets have become so prevalent the issue has become political in some countries.

Cash-loving Germans, for example, have been concerned that a move by the European Central Bank to phase out the 500 euro note by the end of next year is the start of a slippery slope.

Germany is one of the countries that uses cash the most. The ING survey showed only 10% of Germans saying they rarely use cash, compared, for example, with 33% and 35%, respectively, in neighbors Poland and France.

The survey also showed that, in general, countries where cash is much in use were most likely to want to go cashless.

Only 19% of Italians said they rarely used cash but 41% said they would be willing to go cash. There was a similar trend in Turkey, Romania, the Czech Republic, Spain and even Germany.