In many places, if you leave the house without your wallet, you'll be in a tough spot all day. No way to pay for food, transportation or any of life's other necessities.
在很多地方，如果你出門(mén)不帶錢(qián)包，一整天都會(huì)過(guò)得非常艱難。你沒(méi)辦法支付食物、交通、以及其它任何生活必需品的費(fèi)用。

But in China's largest cities, you can definitely survive without carrying a pocket full of cash and credit cards -- as long as you've got your smartphone.
但是在中國(guó)的大都市，只要你帶上智能手機(jī)，即使沒(méi)有滿口袋的現(xiàn)金和信用卡，你也完全可以活下來(lái)。

When I lived in the United States, I didn't pay cash very often but I always carried my credit or debit cards. I wrote checks for my rent and paid most of my bills online.
我在美國(guó)生活的時(shí)候，一般都不用現(xiàn)金結(jié)賬，但我總是帶著信用卡或借記卡。我付房租的時(shí)候開(kāi)支票，而且大多數(shù)賬單都在網(wǎng)上支付。

China's fast-developing mobile commerce industry is estimated to dwarf that of the US. so I set out to see how far a phone would get me in the country's capital.
中國(guó)快速發(fā)展的移動(dòng)商業(yè)預(yù)計(jì)將遠(yuǎn)超美國(guó)，所以我離開(kāi)美國(guó)來(lái)到中國(guó)首都北京，來(lái)看看一部手機(jī)能讓我走多遠(yuǎn)。

Admittedly, I was a bit skeptical about going an entire day Beijing without my wallet, but I was surprised to discover just how easy and convenient it is.
說(shuō)實(shí)話，我覺(jué)得不帶錢(qián)包在北京逛一天有點(diǎn)不太靠譜，但當(dāng)我發(fā)現(xiàn)這樣既簡(jiǎn)單又方便時(shí)，還有些驚喜。

I pay for breakfast by scanning a QR code on the window of a hole-in-the-wall restaurant that sells jianbing, a delicious fried crepe that's one of China's most popular street breakfasts. My purchase costs 6 yuan (about 93 cents) and takes just a few seconds. All I have to do is input a password and the transaction is complete.
我在一家煎餅（一種美味的薄煎餅，中國(guó)最受歡迎的街頭早餐之一）小鋪買了早餐，掃了窗戶上的二維碼付款，一共花了六元（大約93美分），我要做的只是輸入密碼，整個(gè)過(guò)程只用了幾秒，交易就完成了。

At a nearby coffee shop, the barista scans a QR code on CNN news assistant Shen Lu's phone.
在附近一家咖啡館，咖啡師掃了CNN助理沈璐手機(jī)上的二維碼。

As we sip our coffee, Shen Lu pays her household water bill at the table. In seconds, she is able to transfer funds from one of several linked accounts. She regularly uses the same simple process to pay other bills and even her rent.
在我們品嘗咖啡期間，沈璐用手機(jī)付了她房子的水費(fèi)。只幾秒鐘的時(shí)間，她就可以在幾個(gè)相互關(guān)聯(lián)的賬戶間轉(zhuǎn)移資金。她經(jīng)常用同樣簡(jiǎn)單的方法付其它的賬單，包括她的房租。

In Beijing, I can also pay by phone for movie tickets, takeout food and to shop for goods for delivery.
在北京，我也可以用手機(jī)支付電影票、外賣和網(wǎng)購(gòu)的商品。

I use my phone to hail a taxi so I can meet Gu Yu, co-founder of a new payment app, Mileslife. Ride sharing using a mobile payment app allows us to save money by ordering multiple taxi stops and splitting the fare at the end.
我用手機(jī)叫了輛出租車，去會(huì)見(jiàn)一個(gè)新型支付應(yīng)用邁生活的聯(lián)合創(chuàng)始人顧宇。用手機(jī)應(yīng)用支付拼車費(fèi)用可以給我們省下一筆錢(qián)，因?yàn)槲覀兛梢灶A(yù)定多個(gè)出租車站點(diǎn)，最后把費(fèi)用都分?jǐn)偟簟?/p>

Gu says many urban Chinese don't even bother with credit cards because they prefer to pay by phone.
顧宇說(shuō)，在中國(guó)，很多城里人都不愛(ài)用信用卡，因?yàn)樗麄兏矚g用手機(jī)支付。

"It's what I'd call a late development advantage. China doesn't have a really lucrative credit card system," he says. "So Chinese just skipped credit cards and went to mobile payments."
“我把這種現(xiàn)象叫做后發(fā)優(yōu)勢(shì)。中國(guó)并沒(méi)有一個(gè)真正利潤(rùn)豐厚的信用卡體系，”他說(shuō)，“這樣中國(guó)人就跳過(guò)了信用卡階段，直接進(jìn)入了移動(dòng)支付時(shí)代?！?/p>

As we ride around Beijing, Gu points out the advantages of mobile payments. No coins or crumpled bills that can be lost or stolen, electronic receipts, the ease of keeping track of spending -- and of course, no bulky wallet.
在我們乘車逛北京的路上，顧宇指出了移動(dòng)支付的好處，比如不用再攜帶硬幣或褶皺的紙幣，不用再擔(dān)心它們丟失或被偷，有電子收據(jù)，便于跟蹤消費(fèi)記錄，當(dāng)然，也不用再帶鼓鼓的錢(qián)包了。

After arriving at our destination in Beijing's trendy Sanlitun area, we eat lunch and split the check -- also using our phones.
到達(dá)目的地——北京的時(shí)尚地標(biāo)三里屯后，我們一起吃了午飯，AA制付賬，當(dāng)然也是用手機(jī)支付的。

From tiny street vendors to large chains, a huge number of businesses in Beijing accept mobile payments, mostly through popular apps Alipay and WeChat.
在北京，小到街頭小販，大至連鎖商店，許許多多的商家都接受移動(dòng)支付，主要通過(guò)支付寶和微信這兩個(gè)比較普及的應(yīng)用。

Hundreds of millions of Chinese use Alipay and WeChat to make payments with their phones, and the market is growing fast.
數(shù)以億計(jì)的中國(guó)人都通過(guò)手機(jī)上的支付寶和微信支付，且市場(chǎng)增長(zhǎng)迅猛。

Research firm eMarketer has estimated retail sales on mobile devices in China rose 85% to around $334 billion in 2015. That makes the Chinese market more than four times the size of the US one, the firm says.
據(jù)研究機(jī)構(gòu)eMarketer估計(jì)，中國(guó)的移動(dòng)端零售額在2015年增長(zhǎng)了85%，約達(dá)到3340億美元，這一數(shù)字是美國(guó)市場(chǎng)的四倍多。

The next frontier for the industry is expansion beyond big Chinese cities.
移動(dòng)支付的下一個(gè)發(fā)展目標(biāo)將著眼于大城市之外。

Much of rural China still relies on cash. Despite China's slowing economy, the huge untapped population of hundreds of millions of people represents a big opportunity for mobile payment companies.
中國(guó)大部分農(nóng)村地區(qū)仍然依賴于現(xiàn)金。盡管中國(guó)經(jīng)濟(jì)增長(zhǎng)放緩，但這數(shù)億人口的巨大市場(chǎng)尚未開(kāi)發(fā)，將給移動(dòng)支付公司提供一個(gè)重大機(jī)遇。

Vocabulary

hole-in-the-wall: 小規(guī)模的，小得可憐的
barista: 咖啡師
QR code: 二維碼

英文來(lái)源：CNN
譯者：實(shí)習(xí)生孫美真
審校&編輯：丹妮