想像一下走進咖啡店，敲打卡片

這項無縫交易由EMV Chip Technology提供動力，EMV Chip Technology是一場安全付款的無聲革命，改變了我們購物的方式

EMV chip technology has revolutionized the way we shop, dine, and travel. Since its introduction, the EMV chip card has become an indispensable part of modern payment systems, offering not only convenience but also significantly enhanced security. With fraud reduction and global adoption on the rise, EMV chip technology is poised to dominate the payment landscape in 2025.

EMV Chip Technology徹底改變了我們購物，用餐和旅行的方式。自推出以來，EMV芯片卡已成為現代支付系統必不可少的一部分，不僅提供便利性，而且可以顯著提高安全性。隨著減少欺詐和全球採用的興起，EMV芯片技術有望在2025年統治支付格局。

As the world continues to move towards a more digital and interconnected society, EMV chip technology plays a crucial role in enabling seamless and secure transactions across diverse platforms. From contactless payments in coffee shops to online purchases at home, EMV is setting new standards for speed, safety, and ease of use.

隨著世界繼續朝著更加數字和相互聯繫的社會發展，EMV芯片技術在實現各種平台的無縫和安全交易方面起著至關重要的作用。從咖啡店的非接觸式付款到在家中的在線購買，EMV正在為速度，安全性和易用性設定新的標準。

The integration of EMV chip technology with digital payment systems has created a robust, secure framework for modern transactions. This framework is constantly evolving to meet the changing needs of consumers and businesses. Recent developments in EMV chip technology include:

EMV芯片技術與數字支付系統的集成為現代交易創造了強大，安全的框架。該框架正在不斷發展，以滿足消費者和企業不斷變化的需求。 EMV芯片技術的最新發展包括：

* Increased contactless payment limits to encourage tap-and-go transactions.

*增加了非接觸式付款限制以鼓勵輕拍交易。

* Collaboration with buy now, pay later (BNPL) providers to offer flexible payment options.

*立即與Buy合作，以後付款（BNPL）提供商提供靈活的付款方式。

* Growing adoption of open banking to promote interoperability and competition.

*越來越多地採用開放銀行業務，以促進互操作性和競爭。

* Focus on financial inclusion to provide banking services to underserved populations.

*專注於金融包容性，為服務不足的人群提供銀行服務。

EMV chip technology is a powerful tool that can be used to improve the way we live, work, and interact with the world around us. In 2024 and beyond, we can expect to see even more innovation in EMV chip technology, as regions and industries continue to work together to create a better future for all.

EMV芯片技術是一種強大的工具，可用於改善我們與周圍世界的生活，工作和互動的方式。在2024年及以後，我們可以期望看到EMV芯片技術的更多創新，因為地區和行業繼續共同努力，為所有人創造了更美好的未來。

EMV Payments Adoption

採用EMV付款

* Global EMV chip card penetration reached 77% in 2023, indicating significant progress in adopting more secure payment methods.

*全球EMV芯片卡滲透率在2023年達到77％，表明採用更安全的付款方式方面取得了重大進展。

* The total value of EMV payments is expected to reach $944.1 billion in 2024, highlighting the technology’s contribution to the payments industry.

* EMV付款的總價值預計在2024年將達到9441億美元，強調了該技術對支付行業的貢獻。

* By 2025, nearly 4.5 billion EMV chip cards are expected to be in circulation worldwide, showcasing the widespread adoption of this technology.

*到2025年，預計將近45億枚EMV芯片卡將在全球流通，展示了這項技術的廣泛採用。

Global Adoption Rates

全球採用率

* Europe leads in EMV chip card technology adoption, with a high penetration rate of over 90%.

*歐洲領導EMV芯片卡技術採用，高滲透率高90％。

* The Middle East and Africa are quickly catching up, showing a strong commitment to EMV migration.

*中東和非洲迅速趕上，表現出對EMV移民的堅定承諾。

* North America is lagging in its adoption journey compared to other regions.

*與其他地區相比，北美在採用旅程中落後。

EMV Chip Technology: Key Statistics

EMV芯片技術：關鍵統計數據

* EMV chip technology has successfully reduced card fraud by 70% since its introduction.

* EMV芯片技術自推出以來，已成功將卡片欺詐降低了70％。

* Globally, around 1 in 7 adults are unbanked, highlighting the need for financial inclusion initiatives.

*在全球範圍內，大約有七分之一的成年人沒有賬戶，強調了對金融包容性計劃的需求。

* Nearly 70% of consumers prefer to use contactless payment methods at least sometimes.

*將近70％的消費者至少有時更喜歡使用非接觸式付款方式。

* In 2023, the average contactless payment limit was $50, but this varies significantly across regions.

*在2023年，平均非接觸式付款限額為50美元，但在各個地區之間的差異很大。

Technological Developments and Innovations

技術發展和創新

* EMV chip technology is advancing to support new use cases, such as buy now, pay later (BNPL) and open banking.

* EMV芯片技術正在前進，以支持新的用例，例如立即購買，以後付款（BNPL）和開放銀行業務。

* The integration of EMV chip technology with digital payment systems creates a secure ecosystem for modern transactions.

* EMV芯片技術與數字支付系統的集成為現代交易創造了安全的生態系統。

* EMV chip technology is playing a role in promoting financial inclusion by providing banking services to underserved populations.

* EMV CHIP技術通過向服務不足的人群提供銀行服務來促進金融包容性。

Contactless Payment Benefits

非接觸式付款福利

* Contactless payments offer speed and convenience, enabling quick transactions in coffee shops and retail stores.

*非接觸式付款提供速度和便利性，可在咖啡店和零售店中快速交易。

* This technology also enhances hygiene by reducing the need for cash handling, especially relevant during health crises.

*這項技術還通過減少對現金處理的需求，尤其是在健康危機期間相關，從而增強了衛生。

* EMV chip technology is designed to be secure and resistant to fraud, safeguarding consumer funds.

* EMV芯片技術旨在安全和抵抗欺詐，並保護消費者資金。

Regional Deployment Statistics

區域部署統計

* The deployment of EMV chip technology varies across regions, influenced by economic development and infrastructure.

* EMV芯片技術的部署在經濟發展和基礎設施的影響下各個地區都不同。

* Europe is a frontrunner in EMV adoption, while North America is lagging, particularly in the U.S.

*歐洲是EMV採用的領先者，而北美則滯後，尤其是在美國

* Emerging markets in Asia-Pacific are quickly adopting EMV chip technology.

*亞太地區的新興市場正在迅速採用EMV芯片技術。

EMV and Its Digital Payment Infrastructure

EMV及其數字支付基礎設施

* EMV chip technology is a cornerstone of modern payment systems, offering convenience and security.

* EMV芯片技術是現代支付系統的基石，提供便利性和安全性。

* The integration of EMV with digital payment systems creates a robust framework for seamless transactions.

* EMV與數字支付系統的集成為無縫交易創造了強大的框架。

* EMV chip technology is a key enabler of contactless payments, which are becoming increasingly popular.

* EMV芯片技術是非接觸式支付的關鍵推動力，這些付款變得越來越受歡迎。

Recent Developments

最近的發展

* Increased contactless payment limits are encouraging more tap-and-go transactions.

*增加的非接觸式付款限制正在鼓勵更多的點擊交易。

* BNPL providers are collaborating with EMV chip technology to offer flexible payment options.

* BNPL提供商正在與EMV芯片技術合作，提供靈活的付款方式。

* Open banking initiatives are promoting interoperability and competition in the banking industry.

*開放銀行計劃正在促進銀行業的互操作性和競爭。

* There is a growing focus on financial inclusion to provide banking services to underserved populations.

*越來越關注金融包容性，為服務不足的人口提供銀行服務。

Conclusion

結論

EMV chip technology has become an integral part of secure and convenient payment systems worldwide. Its ability to reduce fraud, facilitate contactless transactions, and integrate seamlessly into digital platforms makes it a valuable asset in today’s interconnected society. In

EMV芯片技術已成為全球安全便捷支付系統的組成部分。它減少欺詐，促進非接觸式交易並無縫集成到數字平台的能力使其成為當今相互聯繫的社會中的寶貴資產。在