Original Title 原标题 Charted: The Death of Cash Transactions Around the World
Cash Transactions are Becoming More Rare Around the World
全世界范围里，现金交易正在变得越来越稀少
As credit cards and digital wallets (e.g. Apple Pay, Paytm, Alipay) see increasing adoption around the world, the share of cash being used in transactions is plummeting.
随着世界各地的人们越来越多地使用信用卡和电子钱包（如苹果支付、印度支付宝、阿里支付宝），现金支付在交易中的比例急剧下降。
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The chart above looks at cash as a share of transaction value in selected countries at three time periods (2019, 2023, and 2027P). Highlighted in red is cash’s projected drop from 2019 to 2027. This data showing the death of cash comes from WorldPay’s Global Payments Report 2024.
上面的图表显示了择取国家在三个时期（2019、2023和预计2027年）里，现金在交易额中的份额。红色标注的信息表示现金预计从2019年到2027年的份额下降幅度。这些展示现金消亡的数据来自2024年的《全球支付报告》。
Where Cash is King (For Now)
（当前）现金为王的地区
The prominence of cash for use in transactions is dropping in every country measured. This includes countries where cash was preferential method of payment in POS transactions.
在每个进行调查的国家里，现金在交易当中的突出度都在下降。这还包括了现金在销售点交易时有优惠付款方式的国家。
One clear example is Nigeria. In 2019, over 90% of transaction value was still in cash payments. That number has now fallen to 55% today. Cash is still the leading payment method in Nigeria and a handful of other nations, but current trends indicate this may not be the case for much longer. For now, cash also remains the leading method of payment in various South American and East Asian countries.
尼日利亚就是一个很明显的例子。2019年，尼日利亚的交易额的90%是用现金支付，现在已经下跌到55%。尽管现金仍然是尼日利亚和其它一些国家的主要支付方式，当前的趋势显示这种情况不会维持太久。目前，现金仍然是许多南美洲和东亚国家的首要支付方式。
Below is a full list of countries included in the report, along with cash’s share of transaction value in those countries.
以下是报告里调查的全部国家和地区，以及现金在这些国家交易额的占比。
Where the Death of Cash is Already a Reality
现金消亡已成为现实
In some places, cash payments are already a rarity. This includes Canada, New Zealand, Australia, and most Nordic countries.
在包括加拿大、新西兰、澳大利亚和大多数北欧国家在内的某些地方，现金支付已经非常稀少了。
The report predicts that France, Singapore, South Korea, the UK and the U.S. will fall below the 10% transaction value threshold for cash by 2027.
《全球支付报告》预测，到2027年，法国、新加坡、韩国、英国和美国的现金支付方式将跌至交易额的10%的临界点以下。
Cash Transactions are Becoming More Rare Around the World
全世界范围里，现金交易正在变得越来越稀少
As credit cards and digital wallets (e.g. Apple Pay, Paytm, Alipay) see increasing adoption around the world, the share of cash being used in transactions is plummeting.
随着世界各地的人们越来越多地使用信用卡和电子钱包（如苹果支付、印度支付宝、阿里支付宝），现金支付在交易中的比例急剧下降。
The chart above looks at cash as a share of transaction value in selected countries at three time periods (2019, 2023, and 2027P). Highlighted in red is cash’s projected drop from 2019 to 2027. This data showing the death of cash comes from WorldPay’s Global Payments Report 2024.
上面的图表显示了择取国家在三个时期（2019、2023和预计2027年）里，现金在交易额中的份额。红色标注的信息表示现金预计从2019年到2027年的份额下降幅度。这些展示现金消亡的数据来自2024年的《全球支付报告》。
Where Cash is King (For Now)
（当前）现金为王的地区
The prominence of cash for use in transactions is dropping in every country measured. This includes countries where cash was preferential method of payment in POS transactions.
在每个进行调查的国家里，现金在交易当中的突出度都在下降。这还包括了现金在销售点交易时有优惠付款方式的国家。
One clear example is Nigeria. In 2019, over 90% of transaction value was still in cash payments. That number has now fallen to 55% today. Cash is still the leading payment method in Nigeria and a handful of other nations, but current trends indicate this may not be the case for much longer. For now, cash also remains the leading method of payment in various South American and East Asian countries.
尼日利亚就是一个很明显的例子。2019年，尼日利亚的交易额的90%是用现金支付，现在已经下跌到55%。尽管现金仍然是尼日利亚和其它一些国家的主要支付方式，当前的趋势显示这种情况不会维持太久。目前，现金仍然是许多南美洲和东亚国家的首要支付方式。
Below is a full list of countries included in the report, along with cash’s share of transaction value in those countries.
以下是报告里调查的全部国家和地区，以及现金在这些国家交易额的占比。
| Country 国家/地区 |
Share of POS Transaction Value 交易比例 |
Cash is leading playment method in country 现金是第一支付方式的国家/地区 |
|---|---|---|
| Nigeria 尼日利亚 |
55% | ✔️ |
| Thailand 泰国 |
46% | ✔️ |
| Philippines 菲律宾 |
44% | ✔️ |
| Japan 日本 |
41% | ✔️ |
| Mexico 墨西哥 |
38% | ✔️ |
| Spain 西班牙 |
38% | ✔️ |
| Indonesia 印度尼西亚 |
38% | ✔️ |
| Vietnam 越南 |
38% | ✔️ |
| Germany 德国 |
36% | |
| Peru 秘鲁 |
35% | ✔️ |
| Colombia 哥伦比亚 |
34% | ✔️ |
| South Africa 南非 |
33% | |
| Turkïye 土耳其 |
33% | |
| Poland 波兰 |
32% | |
| Malaysia 马来西亚 |
32% | ✔️ |
| Saudi Arabia 沙特阿拉伯 |
29% | |
| Argentina 阿根廷 |
27% | ✔️ |
| Italy 意大利 |
25% | |
| Chinese Taiwan 中国台湾 |
25% | |
| Brazil 巴西 |
22% | |
| Chile 智利 |
22% | |
| Ireland 爱尔兰 |
18% | |
| India 印度 |
18% | |
| UAE 阿联酋 |
17% | |
| Belgium 比利时 |
16% | |
| Singapore 新加坡 |
15% | |
| United States 美国 |
12% | |
| France 法国 |
12% | |
| United Kingdom 英国 |
10% | |
| South Korea 韩国 |
10% | |
| Hong Kong SAR 香港特别行政区 |
9% | |
| Denmark 丹麦 |
8% | |
| Finland 芬兰 |
7% | |
| Netherlands 荷兰 |
7% | |
| Australia 澳大利亚 |
7% | |
| China 中国 |
7% | |
| Canada 加拿大 |
6% | |
| New Zealand 新西兰 |
6% | |
| Sweden 瑞典 |
5% | |
| Norway 挪威 |
4% |
Where the Death of Cash is Already a Reality
现金消亡已成为现实
In some places, cash payments are already a rarity. This includes Canada, New Zealand, Australia, and most Nordic countries.
在包括加拿大、新西兰、澳大利亚和大多数北欧国家在内的某些地方，现金支付已经非常稀少了。
The report predicts that France, Singapore, South Korea, the UK and the U.S. will fall below the 10% transaction value threshold for cash by 2027.
《全球支付报告》预测，到2027年，法国、新加坡、韩国、英国和美国的现金支付方式将跌至交易额的10%的临界点以下。