印度越来越成为不那么依赖现金的数字支付经济体

Digital payments widen gap with ATM withdrawals

数字支付与ATM取款的差距扩大

BENGALURU: There are early signs that India is finally turning into a digital payment economy less dependent on cash. For the first time, in the fourth quarter of 2019, the value of card and mobile payments at Rs 10.57 lakh crore exceeded ATM withdrawals which amounted to Rs 9.12 lakh crore.105700

班加罗尔：有早期迹象表明，印度最终正在转变为一个不那么依赖现金的数字支付经济体。2019年第四季度，银行卡和移动支付的金额为10.57万亿卢比，ATM取款金额为9.12万亿卢比，数字支付金额首次超过ATM取款金额。

After overtaking cash withdrawals, digital payments extended its lead in the first quarter of 2020. Card and mobile payments are now at Rs 10.97 lakh crore, even as ATM withdrawals declined 5% to Rs 8.66 lakh crore. If bankers are to be believed, the pandemic-induced lockdown has already put this transformation on a fast-track.

在超过现金取款金额后，数字支付在2020年第一季度扩大了领先优势。目前银行卡和移动支付的金额是10.97万亿卢比，而ATM取款金额下降了5%，只有8.66万亿卢比。新冠疫情导致的封锁已经让这一转型进入了快速通道。

“This trend continued through April and May with physical restrictions and lesser movement of goods and people with the lockdown. India’s posted the sharpest growth in digitization in this period compared to America, the UK, Thailand and Singapore. This is mostly on the back of UPI,” said Sampath Sharma Nariyanuri, fintech analyst, S&P Global Market Intelligence.

标普全球市场情报公司金融科技分析师萨姆帕斯·沙玛·纳里亚努里称：“在封锁的情况下，由于限制，货物和人员流动减少，这一趋势在4月和5月持续了下来。与美国、英国、泰国和新加坡相比，印度的数字化增长最为迅猛。这主要得益于UPI。”

This trend is likely to continue, said bankers. “This situation is not comparable to what happened post-demonetisation. No one knows how long this coronavirus situation is going to last. For the foreseeable future businesses know they cannot transact physically. Given the ease, speed and security of doing business and the infrastructure now in place at many businesses, we don’t expect a shift back to cash,” said Shekhar Bhandari, senior vice president, Kotak Mahindra Bank.

银行业者表示，这一趋势可能会持续下去。Kotak Mahindra银行高级副总裁Shekhar Bhandari说:“这种情况无法与废钞后的情况相比。没有人知道新冠疫情会持续多久。在可预见的未来，企业知道他们无法进行实体交易。考虑到做生意的便利性、快速性和安全性，以及许多企业现有的设施，我们预计不会再转向使用现金。”

While UPI payments did post a slight dip in April to Rs 1.51 lakh crore, it soon recovered to Rs 2.18 lakh crore in May; higher than pre-Covid levels. “UPI shot past card payments last year and now we can see it extending its lead. In December 2019, UPI saw Rs 2 lakh crore transactions versus card payments seeing about Rs 1.5 lakh crore — by May Rs 2.18 lakh crore UPI transactions versus Rs 80,300 crore in card payments,” said Sampath.

尽管UPI支付在4月份确实略有下降，降至1.51万亿卢比，但很快在5月份回升至2.18万亿卢比，高于疫情爆发之前。去年UPI支付金额超越了银行卡，现在我们可以看到漆领先优势在扩大。在2019年12月，UPI交易额为2万亿卢比，而银行卡支付的交易额为15亿卢比。到5月，UPI交易额为2.18万亿卢比，而银行卡支付的交易额为8030亿卢比。

Bankers say digitization is seen across segments — retail, SME and unorganised business sector. “Many customers, who did not move to digitization for 5-6 years, moved in under 20 days. So technology has become the biggest beneficiary from this crisis while also being the biggest enabler for business continuity,” said Bhandari.

银行业者表示，数字化出现在各个领域——零售、中小企业和无组织的商业部门。 Bhandari说：“很多客户过了5-6年都没有转用数字支付，但在疫情爆发后，20天内就转了。因此，技术已经成为这场危机的最大受益者，同时也是保持业务连续性的最大推动者。”

This shift to digital payments is happening even as the currency in circulation is rising with there being a global ‘dash for cash’ as described by RBI governor Shaktikanta Das. According to RBI data as on July 10, currency in circulation stood at Rs26.8 lakh crore, up 21.4% year-on-year.

印度央行行长沙达斯表示，尽管全球“急于套现”，流通中的货币正在不断增加，但这种向数字支付的转变正在发生。根据印度央行7月10日的数据，流通中的货币为2.68万亿卢比，同比增长21.4%。

以下是印度时报读者的评论：译者：Jessica.Wu

DharmamSatyamNyayam

Good news. Only pappu will be unhappy

好消息。只有拉胡尔会不高兴

Sanjoy Pandey

People are now scared to visit banks as also ATM centres and doing digital transactions from home.

人们现在不敢去银行，也不敢去ATM取钱，都在家里进行数字交易。

Hi Sudip

So what's wrong ? It's good only & people should do less transactions in cash to avoid contact.

这有什么问题?这是好事，人们应该少现金交易以避免接触

krishna nand tewari

First unmistakable signal of Knowledge Age and India as usual Leading.

知识时代的第一个明确信号，印度一如既往地领先。

WB New

Prices of homes need to come down. Digital transactions on rise for larger amounts will help to curb black money, not demonetization. It will help lower prices. Cashiers are getting infected.

要把房价降下来。数字交易将有助于遏制黑钱，有助于降低价格。疫情期间，收银员都有被感染的。

Iqbal S Kapasi

In 2016 demonetisation cash in circulation was 15lakhs crores. In 4 years it has increased to 26 lakhs crores. modi the proven pappu had said that demonetisation will wipe out black money.

2016年，废钞15万亿卢比。在4年里，这个数字增加到了26万亿卢比。莫迪曾说过废钞令能消灭黑钱。

Sarthak

This is due Corona fear only. Nothing surprising.

这只是由于对新冠病毒的恐惧。没什么好奇怪的。

Maya Mahant

Furthermore, really hope, big ticket vendors are only allowed to accept digital payments. This may reduce the quantum of black money floating in our economy and work towards ending corruption, at least curtailing it.

我希望大型票务公司只能接受数字支付，这可能会减少流通中的黑钱，并有助于根除腐败，或者至少减少腐败。

Vinay Goyal

I live in the US. For last 10 years whenever I travel, I do not carry more than $20 bill. In fact most of the time, I do not use it. In last 4 months, I did not even a $ bill from ATM. Everything is digital, cashless, and transparent. Cash economy creates corruption.

我在美国生活。在过去10年里，我每次出门都只带20美元现金。事实上，大多数时候，我都没用。在过去4个月里，我甚至没有从ATM机取过一张美金。一切都是数字化的、无现金的、透明的。现金经济会滋生腐败。

Subramaniyan S

It would be great if hard cash is totally gone and all transactions are digital. This will make money cleaner and easy to track and monitor.

如果现金完全消失，所有交易都数字化，那就太好了。这将使钱变得更干净，更容易追踪和监控。

Leon Fernandes

congratulations India. digital transactions are the way ahead. we are on the highway now.

祝贺印度。数字交易是未来的发展方向，我们现在正在迅速走向数字化。

Vijayaraghavan G

UPI is a very welcome and unique initiative and far ahead of the systems used by first world countries. Unfortunately the acceptance is yet to catch up. Most government agencies are yet to include UPI as a payment option. Electricity, Indian oil gas and BSNL payments do not offer UPI option.

UPI是一个非常受欢迎的独特支付方式，远远领先于第一世界国家使用的支付系统。不幸的是，接受程度还有待提高。大多数政府机构还没有将UPI作为一种支付选择。电力、印度油气和BSNL支付不提供UPI支付选项。

chotu

Even now if you fill petrol using card you are charged 1 to 2 % of transction.

And you fool call it digital payment, instead of digital loot.

即使是现在，如果你加油的时候用银行卡支付，也要付汽油费的1%到2%作为手续费。与其叫做数字支付，不如叫做数字抢劫。

Antibhakt

what about the charges assocIted with digital transactions ?? its a loot.

那么数字交易的手续费呢?就是战利品。

Ramesh Sargam

Along with the benefits there exsts some danger also in digital transactions. Beware!!

数字交易在带来好处的同时也存在着一些风险。要小心! !

Jagdish Madan