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,沈璐用手機付了她房子的水費.只幾秒鐘的時間,她就可以在幾個相互關聯的賬戶間轉移資金.她經常用同樣簡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,我也可以用手機支付電影票、外賣和網購的商品.
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.
我用手機叫了輛出租車,去會見一個新型支付應用邁生活的聯合創始人顧宇.用手機應用支付拼車費用可以給我們省下一筆錢,因為我們可以預定多個出租車站點,最后把費用都分攤掉.
Gu says many urban Chinese don't even bother with credit cards because they prefer to pay by phone.
顧宇說,在中國,很多城里人都不愛用信用卡,因為他們更喜歡用手機支付.
"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."
"我把這種現象叫做后發優勢.中國并沒有一個真正利潤豐厚的信用卡體系,"他說,"這樣中國人就跳過了信用卡階段,直接進入了移動支付時代."
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,顧宇指出了移動支付的好處,比如不用再攜帶硬幣或褶皺的紙幣,不用再擔心它們丟失或被偷,有電子收據,便于跟蹤消費記錄,當然,也不用再帶鼓鼓的錢包了.
After arriving at our destination in Beijing's trendy Sanlitun area, we eat lunch and split the check -- also using our phones.
到達目的地——北京的時尚地標三里屯后,我們一起吃了午飯,AA制付賬,當然也是用手機支付的.
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支付,主要通過支付寶和微信這兩個比較普及的應用.
Hundreds of millions of Chinese use Alipay and WeChat to make payments with their phones, and the market is growing fast.
數以億計的中國人都通過手機上的支付寶和微信支付,且市場增長迅猛.
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.
據研究機構eMarketer估計,中國的移動端零售額在2015年增長了85%,約達到3340億美元,這一數字是美國市場的四倍多.
The next frontier for the industry is expansion beyond big Chinese cities.
移動支付的下一個發展目標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.
中國大部分農村地區仍然依賴于現金.盡管中國經濟增長放緩,但這數億人口的巨大市場尚未開發,將給移動支付公司提供一個重大機遇.
英文來源：CNN
