????移動錢包前路漫漫

????一些公司正在試圖改變人們在商店收銀臺前的付款方式，他們會不可避免地夸大現金和信用卡的不便之處。事實上，如果時常掏出錢包就是你生活中最大的麻煩，那你可真是幸運。不過我們仍然可以期待移動支付在今年有所進展。這項技術的核心思想就是用設備中的瑞士軍刀——智能手機——來取代信用卡和現金。在商店終端前搖一搖手機，你的借記卡或信用卡賬戶就會支付消費金額。去年大張旗鼓問世的蘋果支付，只是爭奪用戶的眾多同類服務中的一種。貝寶、Visa的PayWave和萬事達卡的PayPass之前的嘗試，在很大程度上都未能吸引用戶。研究公司Jackdaw Research的分析師簡?道森認為，該技術在2014年的早期采用者中表現驚艷，應該可以在今年實現更大發展——尤其是在美國以外。但他也表示，移動支付仍需一定時間才會被廣泛使用。道森說：“這是一項慢熱的技術，它不會在明年就顛覆世界。”

????Show me the (mobile) money

????Companies trying to revolutionize how people pay at store cash registers inevitably describe using cash and credit cards as a huge inconvenience. Reality check: if occasionally having to pull out your wallet is among your biggest problems, then you're lucky. Still, look for mobile payments to make some gains this year. The general idea is replace credit cards and cash with smartphones, the Swiss Army knife of devices. Wave your phone in front of a store terminal and, presto, your purchase is billed to your bank or credit card account. Apple Pay, introduced last year to great fanfare, is just one of the many services jostling for users. Previous efforts by PayPal, Visa's PayWave, and MasterCard'sPayPass largely failed to catch on. Jan Dawson, an analyst with Jackdaw Research, expects the technology to gain more traction this year—particularly overseas—after a strong showing among early adopters in 2014. But he warned that widespread adoption is still sometime off in future. "It’s a slow burn technology," he says. "It's not going to take the world by storm next year."