万事达卡（NASDAQ：MA）的一份新报告说，到本十年末，非洲的数字支付预计将达到1.5万亿美元。

尽管非洲仍然是全球现金最大的大陆，但在过去的十年中，其数字支付部门一直在迅速发展。

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.

万事达卡（NASDAQ：MA）的一份新报告说，到本十年末，非洲的数字支付预计将达到1.5万亿美元。

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.

尽管非洲仍然是全球现金最大的大陆，但在过去的10年中，其数字支付部门一直在迅速增长。根据与总部位于约翰内斯堡的Genesis Analytics合作进行的研究，该地区正在慢慢逐步淘汰现金，以方便数字付款。

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.

该报告的标题为“为非洲繁荣的数字经济中解锁无价的可能性”，预测，数字付款将在2030年向非洲大陆的GDP贡献1.4万亿美元。

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.

万事达卡将数字支付的增长归因于两个主要驱动力：金融包容性和互联网渗透。在后者的情况下，非洲在过去的10年中记录了巨大的增长，并由便宜的亚洲智能手机和较低的数据费用培养。专家预测未来几年的Internet渗透年份增长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极大的改善，由数字金融服务，采用移动货币以及非洲政府的一致努力提高，使银行服务更容易获得。该地区预计将记录金融包容的6％复合年增长率。

“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.

“非洲充满了巨大的可能性，其人民有可能在未来的几十年中塑造全球经济，”中东和北非总裁（MENA）（MENA）总裁Dimitrios Dosis说。

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.

该报告是说明该地区数字支付增长的最新报告。万事达卡的较早报告显示，中小型企业（中小型企业）正在领导采用这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.

在尼日利亚，有99％的中小型企业接受数字支付，肯尼亚和埃及分别为91％和80％。这种增长反映在初创企业领域，大多数增长最快，最资金最高的初创公司都集中在数字金融服务上。

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，金融科技初创公司筹集了超过10亿美元的风险投资（VC）资金，大约是该大陆上筹集的总额的一半。

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.

该地区还标有鲜明的对比。在像肯尼亚这样的一些国家，数字财务已将金融包容性提高到该地区最高的国家之一，移动支付网络M-PESA占了大部分客户群。

71% of Kenyans face digital fraud

71％的肯尼亚人面临数字欺诈

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.

随着数字融资的上升，数字欺诈是数字欺诈，根据Visa（NYSE：V）的新报告，超过70％的肯尼亚人遇到了在线骗局，这是所有被调查国家中最高的。

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发现，象牙海岸为66％，尼日利亚为65％，阿曼为59％，是其他骗局热点。

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.

该报告显示，大多数消费者仍然容易受到骗子使用的常见技巧的影响，包括单击可疑链接并响应短信。实际上，有95％的受访者表示，他们认为自己的朋友或家人会因这些骗局而陷入困境。

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%.

人们普遍认为，老一辈（大多数超过45岁以上）更容易受到骗子的影响。但是，Visa发现，10代Z中的9次可能会单击骗子的链接，远高于千禧一代，X世代和婴儿潮一代，它们的并列为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.

尽管数字欺诈行为有所增加，但大多数受访者表示，他们完全信任数字付款。以前曾在网上被骗取的人中有75％的数字支付信任程度与从未因计划的人而言相同。

“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：“绝大多数成年人（76％）或完全信任进行交易的数字支付，因此有很大的机会加深这种信任和弥合差距的差距。”

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.

尽管有骗局，但大多数受访者预计仍将在未来12个月内继续使用数字付款。肯尼亚的受访者最高，计划将其数字付款以90％的速度使用，其次是埃及，阿曼和阿拉伯联合酋长国。

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平台专注于消费者教育，因为它是“我们针对欺诈的最佳防御，行业合作使这可能。随着骗局的增长越来越复杂，为安全之战永远不会停止。”

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.

产量：万事达卡（NASDAQ：MA）的一份新报告说，预计非洲的数字支付预计将在十年末达到1.5万亿美元。

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.

尽管非洲仍然是全球现金最大的大陆，但在过去的10年中，其数字支付部门一直在迅速增长。根据与总部位于约翰内斯堡的Genesis Analytics合作进行的研究，该地区正在慢慢逐步淘汰现金，以方便数字付款。

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.

该报告的标题为“为非洲繁荣的数字经济中解锁无价的可能性”，预测，数字付款将在2030年向非洲大陆的GDP贡献1.4万亿美元。

Mastercard attributed the growth in digital

万事达卡归因于数字的增长