Although cash， cheques and indeed cards will remain an option for shoppers， he says， these new ways of paying will take a growing share of the payments market in 10 years’ time。

　　尽管现金、支票以及信用卡将会仍然成为顾客支付的选择，他说这种可穿戴式的支付手段将在10年内逐渐占据更大的市场份额。

　　Such a prospect sounds frightening for anyone who already has concerns about corporations， and potentially hackers， tracking our whereabouts or spending habits。

　　这样的前景将使那些已经对现在的企业漏洞和潜在的黑客威胁深感不安的人们更加忧虑，因为这将可以追踪人们的去向和消费习惯。

　　Mr Sajed argues that nothing will be done without permission。

　　Sajed先生反驳说除非消费者授权，否则什么都不会做。

　　“We would never track anyone’s location or data without their express knowledge。 and it would only be for things that the customer has allowed us to do。”

　　他指出只有在消费者明确知道自己被定位的情况下，信用卡公司才会追踪和定位消费者的信息，并且这将只会用于消费者允许信用卡公司所处理的事务中。

　　There is an extra benefit， he says， as it is much easier to authorise a transaction when a card company knows a customer’s location。 It is easier to stop fraud for the same reason。

　　他认为这还有一项额外好处，即如果信用卡公司能够通过掌握消费者所在的位置，那么它们将可以更便捷的批准一项交易，并且可以预防诈骗。

　　A link in the background between the individual and the payment system is required for any of this to work。 This already happens with shopping portals like Amazon and services such as Uber allowing a single-click transaction because bank or credit card details are loaded when the customer first signs up。

　　对于新的支付系统来说，把个人和支付系统相连的后台也是必不可少的。这样的后台连接在购物或者服务平台上已经实现，比如说亚马逊和优步公司。它们允许顾客在登陆后将银行或信用卡信息进行捆绑，从而使得顾客只需点击一下即可完成交易。

　　“These emerging technologies still use the existing， underlying rails of the card payments system，” says Richard Koch， head of policy at the UK Cards Association

　　“这项新的技术其实还是沿用了已经存在的支付卡交易系统”，来自英国信用卡协会的Richard Koch先生说。

　　As this digital market becomes more prevalent， and the technology advances， there will be a battle among banks， payment providers and others for their product to be used。

　　随着数字交易市场的流行和科技的进步，银行、支付手段供应商以及其他提供支付手段产品的平台将势必会有一场恶战。

　　The UK Cards Association predicts there will be almost 21 billion “card” transactions in the UK in 2025， up from 12.6 billion last year。 Of these， 3.6 billion will be credit card purchases compared with 2.5 billion last year。

　　英国信用卡协会预测，英国在2025年将会有210亿广义的信用卡交易，而这一数字在去年则是126亿。其中信用卡购买频率将从去年的25亿增加到36亿。本文转自《外研社》