萬事達卡（NASDAQ：MA）的一份新報告說，到本十年末，非洲的數字支付預計將達到1.5萬億美元。

儘管非洲仍然是全球現金最大的大陸，但在過去的十年中，其數字支付部門一直在迅速發展。

Digital payments in Africa are expected to hit $1.5 trillion by the end of the decade, a new report by Mastercard (NASDAQ:MA) says.

萬事達卡（NASDAQ：MA）的一份新報告說，到本十年末，非洲的數字支付預計將達到1.5萬億美元。

While Africa remains the most cash-reliant continent globally, its digital payments sector has been growing rapidly over the past 10 years. According to the study, which was conducted in partnership with Johannesburg-based Genesis Analytics, the region is slowly phasing out cash for the convenience and security of digital payments.

儘管非洲仍然是全球現金最大的大陸，但在過去的10年中，其數字支付部門一直在迅速增長。根據與總部位於約翰內斯堡的Genesis Analytics合作進行的研究，該地區正在慢慢逐步淘汰現金，以方便數字付款。

The report, titled “Unlocking Priceless Possibilities in the Digital Economy for a Prosperous Africa,” predicts that digital payments will contribute $1.4 trillion to the continent’s GDP by 2030.

該報告的標題為“為非洲繁榮的數字經濟中解鎖無價的可能性”，預測，數字付款將在2030年向非洲大陸的GDP貢獻1.4萬億美元。

Mastercard attributed the growth in digital payments to two main drivers: financial inclusion and Internet penetration. With the latter, Africa has recorded massive growth in the past 10 years, fostered by cheaper Asian smartphones and lower data charges. Experts project a 20% compound annual increase in Internet penetration for the next few years.

萬事達卡將數字支付的增長歸因於兩個主要驅動力：金融包容性和互聯網滲透。在後者的情況下，非洲在過去的10年中記錄了巨大的增長，並由便宜的亞洲智能手機和較低的數據費用培養。專家預測未來幾年的Internet滲透年份增長20％。

Financial inclusion has also greatly improved, boosted by digital financial services, mobile money adoption, and concerted efforts by African governments to make banking services easier to access. The region is projected to record a 6% CAGR in financial inclusion.

金融包容性也得到了極大的改善，由數字金融服務，採用移動貨幣以及非洲政府的一致努力提高，使銀行服務更容易獲得。該地區預計將記錄金融包容的6％複合年增長率。

“Africa is filled with immense possibilities, and its people have the potential to shape the global economy in the decades ahead,” said Dimitrios Dosis, president for Middle East and North Africa (MENA) at Mastercard.

“非洲充滿了巨大的可能性，其人民有可能在未來的幾十年中塑造全球經濟，”中東和北非總裁（MENA）（MENA）總裁Dimitrios Dosis說。

The report is the latest to illustrate the growth of digital payments in the region. An earlier report by Mastercard revealed that small and medium enterprises (SMEs) are leading the charge in embracing these new payment methods.

該報告是說明該地區數字支付增長的最新報告。萬事達卡的較早報告顯示，中小型企業（中小型企業）正在領導採用這些新付款方式的指控。

In Nigeria, 99% of SMEs accept digital payments, with Kenya and Egypt at 91% and 80%, respectively. This growth is reflected in the startup sector, where most of the fastest-growing and best-funded startups are focused on digital financial services.

在尼日利亞，有99％的中小型企業接受數字支付，肯尼亞和埃及分別為91％和80％。這種增長反映在初創企業領域，大多數增長最快，最資金最高的初創公司都集中在數字金融服務上。

Last year, fintech startups raised over $1 billion in venture capital (VC) funding, which is about half the total amount raised on the continent.

去年，金融科技初創公司籌集了超過10億美元的風險投資（VC）資金，大約是該大陸上籌集的總額的一半。

The region is also marked by stark contrasts. In some countries like Kenya, digital finance has pushed financial inclusion to 85%, which is among the highest in the region, with mobile payment network M-Pesa accounting for the bulk of the clientele.

該地區還標有鮮明的對比。在像肯尼亞這樣的一些國家，數字財務已將金融包容性提高到該地區最高的國家之一，移動支付網絡M-PESA佔了大部分客戶群。

71% of Kenyans face digital fraud

71％的肯尼亞人面臨數字欺詐

With the rise in digital finance has come digital fraud, and according to a new report by Visa (NYSE:V), over 70% of Kenyans have encountered online scams, the highest of all surveyed nations.

隨著數字融資的上升，數字欺詐是數字欺詐，根據Visa（NYSE：V）的新報告，超過70％的肯尼亞人遇到了在線騙局，這是所有被調查國家中最高的。

Ivory Coast with 66%, Nigeria with 65%, and Oman with 59%, were among the other scam hotspots, the Stay Secure report found.

Stay Secure Report發現，象牙海岸為66％，尼日利亞為65％，阿曼為59％，是其他騙局熱點。

The report revealed that most consumers are still susceptible to common tricks used by scammers, including clicking on suspicious links and responding to text messages. In fact, 95% of respondents said they believe their friends or family would fall for these scams.

該報告顯示，大多數消費者仍然容易受到騙子使用的常見技巧的影響，包括單擊可疑鏈接並響應短信。實際上，有95％的受訪者表示，他們認為自己的朋友或家人會因這些騙局而陷入困境。

The older generation (mostly above 45 years old) is widely believed to be more susceptible to scammers. However, Visa found that nine in 10 Gen Zs are likely to click on a scammer’s link, much higher than millennials, Gen X, and boomers, all tied at 85%.

人們普遍認為，老一輩（大多數超過45歲以上）更容易受到騙子的影響。但是，Visa發現，10代Z中的9次可能會單擊騙子的鏈接，遠高於千禧一代，X世代和嬰兒潮一代，它們的並列為85％。

Despite the rise in digital fraud, most respondents said they fully trust digital payments. Seventy-five percent of those who had previously been scammed online had the same level of trust in digital payments as those who had never fallen for the schemes.

儘管數字欺詐行為有所增加，但大多數受訪者表示，他們完全信任數字付款。以前曾在網上被騙取的人中有75％的數字支付信任程度與從未因計劃的人而言相同。

“The vast majority of adults (76%) mostly or completely trust digital payments for making transactions, so there is a significant opportunity to deepen that trust and bridge the gap for those who remain skeptical,” Visa noted.

Visa指出：“絕大多數成年人（76％）或完全信任進行交易的數字支付，因此有很大的機會加深這種信任和彌合差距的差距。”

Most of the respondents expected to continue using digital payments over the next 12 months despite the scams. Kenya had the highest share of respondents who planned to use their digital payments at 90%, followed by Egypt, Oman, and the United Arab Emirates, respectively.

儘管有騙局，但大多數受訪者預計仍將在未來12個月內繼續使用數字付款。肯尼亞的受訪者最高，計劃將其數字付款以90％的速度使用，其次是埃及，阿曼和阿拉伯聯合酋長國。

Visa urged all fintech platforms to focus on consumer education as it’s “our best defense against fraud, and industry collaboration makes this possible. As scams grow more sophisticated, the battle for security never stops.”

Visa敦促所有Fintech平台專注於消費者教育，因為它是“我們針對欺詐的最佳防禦，行業合作使這可能。隨著騙局的增長越來越複雜，為安全之戰永遠不會停止。”

output: Digital payments in Africa are expected to hit $1.5 trillion by the end of the decade, a new report by Mastercard (NASDAQ:MA) says.

產量：萬事達卡（NASDAQ：MA）的一份新報告說，預計非洲的數字支付預計將在十年末達到1.5萬億美元。

While Africa remains the most cash-reliant continent globally, its digital payments sector has been growing rapidly over the past 10 years. According to the study, which was conducted in partnership with Johannesburg-based Genesis Analytics, the region is slowly phasing out cash for the convenience and security of digital payments.

儘管非洲仍然是全球現金最大的大陸，但在過去的10年中，其數字支付部門一直在迅速增長。根據與總部位於約翰內斯堡的Genesis Analytics合作進行的研究，該地區正在慢慢逐步淘汰現金，以方便數字付款。

The report, titled “Unlocking Priceless Possibilities in the Digital Economy for a Prosperous Africa,” predicts that digital payments will contribute $1.4 trillion to the continent’s GDP by 2030.

該報告的標題為“為非洲繁榮的數字經濟中解鎖無價的可能性”，預測，數字付款將在2030年向非洲大陸的GDP貢獻1.4萬億美元。

Mastercard attributed the growth in digital

萬事達卡歸因於數字的增長