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数据显示,英国十分之一的成年人已经“无现金”!|出海英国金融岛群第1期

2019-08-07 23:01:28

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官方数据显示,如今英国十分之一的成年人选择生活在无现金环境下,因为非接触支付和移动支付普及度越来越高。

 

英国银行业金融机构表示,在25至34岁的人群中,这一数字上升至超过六分之一(17%)。 它定义了一种几乎无现金的存在,就像人们每月支付一笔现金或根本不支付现金一样。

 

与此同时,英国的非接触式支付数量在一年内激增31%,到2018年达到74亿。英国现有10人中有7人现在使用非接触式支付。虽然过去该支付方式在伦敦最为盛行,如今在东南部、东安格利亚和中部地区更为普遍。

 

数据还显示,非接触式支付在英格兰西北部仍未普及,该地区仅有58%的人在2018年使用这种类型支付,而在东南部、中部地区、伦敦和威尔士等地区,这一比例达到70%以上。


当被问及这一点时,英国金融公司表示,在采用新技术时,西北部有时比其他地区更晚。该公司认为这可能同该地区较多的老年人口有关。去年布莱克浦被称为英国人口最年老的城市。除此之外,西北部还包括一些贫困地区和大型农村地区、湖泊等。

 

现金支付在2018年持续下降至110亿,总体下滑16%,这意味着纸币和硬币仅占总支付的28%,相比十年前的60%仍有所下降。英国财政预测,到2028年该数字将下降至9%。银行机构表示,现金仍然是英国第二大最常用的支付方式,它在2017年底被借记卡取代。然而,英国金融公司预测信用卡和贷记卡将在2027年左右超过票据和硬币。


今年三月一项审查表明,超过800万英国成年人将难以应对无现金社会。与此同时,英国政府上个月确认由于废弃硬币的提议引发民众强烈抗议,1p、2p硬币和50英镑的钞票将继续在市面上流通。

 

英国金融公司首席执行官说:“技术不一定适用于所有人,现金仍然是一种受到很多人重视和偏爱的支付方式,因此保留现金支付对于保障客户也是喜欢重要的。”

 

新的数据表明,2018年有190万消费者主要使用现金,而这些消费者往往是收入较低的群众。相比之下,“几乎从不使用现金”的人数在一年内增加了200万:从340万增加到540万。与此同时,几乎六分之一的英国成年人现在注册了Apple Pay和Google Pay等的移动支付。

 

英文:

One in 10 adults in the UK are now choosing to live a largely cashless life as contactless and mobile payments explode in popularity, official data reveals.

 

Among those aged 25 to 34, the figure rises to more than one in six (17%), said the banking body UK Finance. It defined an almost cashless existence as when people either make one cash payment per month or none at all.

 

Meanwhile, the number of contactless payments made in the UK surged by 31% in a year to reach 7.4bn in 2018. Around seven in 10 people in the UK now use contactless, though London, which once led the way on this form of payment, has been overtaken by the south-east, East Anglia and the Midlands.

 

The data also revealed that contactless payments were least popular in north-west England, where 58% of people used this type of payment in 2018, compared with 70%-plus in areas such as the south-east, the Midlands, London and Wales.

 

Asked about this, UK Finance said the north-west was sometimes slower than other areas when it came to adopting new technology. It said this might be connected to older populations in some parts of the region – Blackpool was last year named as having the oldest population of any UK city – plus the fact that the north-west included some more deprived areas, as well as large rural areas such as the Lake District.


Cash payments continued to decline in 2018, falling by 16% to 11bn, which meant notes and coins were used for 28% of all payments. This was down from 60% 10 years earlier, and UK Finance predicted that by 2028 the figure would have fallen to just 9%.

 

The banking body said cash remained the second most frequently used payment method in the UK – it was overtaken by debit cards in late 2017. However, UK Finance has forecast that credit cards and charge cards will overtake notes and coins in around 2027.


In March this year, a review concluded that more than 8 million UK adults would struggle to cope in a cashless society. Meanwhile the government confirmed last month that 1p and 2p coins and £50 notes were no longer under threat after a proposal to consider scrapping them prompted a backlash.


UK Finance’s chief executive, Stephen Jones, said: “Technology is not for everyone, and cash remains a payment method that is valued and preferred by many, so maintaining access to cash will be vital to ensure no customer is left behind.”


The new data shows there were 1.9 million consumers who mainly used cash in 2018, and that these were often people on lower incomes.


By contrast, the number of people who “almost never used cash at all” jumped by 2 million in a year – from 3.4 million to 5.4 million.

Meanwhile, almost one in six UK adults are now registered for mobile payment services such as Apple Pay and Google Pay – up from 2% in 2016.


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