????金融服務研究公司克蘭特（Celent）的分析師們稱，截止2012年7月，在整個無接觸式支付市場上，在日本發行的所有類型的電子貨幣（存值）卡總值僅為1.79億美元。當月，在這些卡上共有2.6億筆交易，即平均每張卡1.5筆交易，交易頻率不是很高。

????目前日本究竟有多少人啟用電子錢包？這個問題存在一些爭議。比如，Eurotechnology Japan公司的技術專家們認為電子錢包大獲成功。Eurotechnology的格哈德?法索爾說：“NFC /移動支付和一切相關技術在日本都是巨大的成功，對于所參與的日本企業而言亦是如此。”

????其他調查和分析師們的看法和法索爾相左。“我相信爭議之所以存在，關鍵的問題在于雖然很多用戶注冊了這個功能，但積極使用該功能的用戶很少，”克蘭特公司的分析師孔慶順解釋稱。“在使用活躍度方面似乎沒有可用的統計數據，無論是活躍用戶的數量還是交易量。考慮到關于手機的各種各樣的其他詳細統計數據，這充分表明業內人士并不想宣傳電子錢包的低使用率。”

????這些卡大約有20%，即3,700萬張電子貨幣卡，由Osaifu-Keitai（移動電話非接觸式支付）注冊用戶持有。它相當于日本1.26億只手機的29%、搭載Osaifu-Keitai芯片手機的數量的52%。顯然，很多人懶得去給手機充值。用一位受訪者的話來說，他們不愿意“為卡充值這件事勞神費力”。

????如何糾正這種冷漠的態度？孔慶順認為，要提升活躍用戶的數量，日本的移動支付服務供應商不僅要在手機上預裝Osaifu-Keitai，而且要制定有效推廣Osaifu-Keitai的策略。在日本，即便是大額交易，人們也更傾向于用現金而不是信用卡，要讓日本人割舍心愛的日元紙幣和硬幣會非常困難。現在，許多人都開始懷疑，世界其他地方的情況可能也是一樣。（財富中文網）

????譯者：默默

????According to analysts at financial services specialist Celent, for the overall contactless payments market, the total number of e-money (stored value) cards of all types issued in Japan was worth just $179 million as of July 2012. There were 260 million transactions on these cards in that month, or, a not-very-active average of 1.5 transactions per card issued.

????There is some controversy over just how much switching and swiping is going on with e-wallets in Japan with some pundits, such as tech experts at Eurotechnology Japan, declaring Osaifu a triumph. "NFC/mobile payments and everything around it is a huge success locally inside in Japan and for the Japanese companies involved," claims Eurotechnology's Gerhard Fasol.

????Other surveys and analysts contradict Fasol. "Where I believe the controversy lies, the crux of the issue is that while many users have registered for the function, there appear to be few active users," explains Kyong Sun Kong, an analyst at researcher Celent. "There appear to be no statistics available on active use, either in terms of number of active users , or of transaction volumes. Considering the plethora of detailed statistics on mobile phones, this is a good indication the industry does not want to advertise the low usage rates."

????Approximately 20% of these cards, or 37 million e-money cards, are Osaifu-Keitai (mobile phone contractless payments) registered users. This is equivalent to 29% of the 126 million total mobile phones in Japan and 52% of phones with the Osaifu-Keitai chip embedded. Obviously many are not bothering to load their phones with cash, or more probably go through the "pain of filling the card " for credit as one poll respondent put it.

????How to remedy such indifference? Kong thinks that to increase the number of active users, mobile payments players in Japan should not only preload Osaifu-Keitai in mobile phones but also develop a strategy for promoting Osaifu-Keitai effectively. With cash often taking precedence over even credit cards for large transactions in Japan it will be a hard slog to prize Japanese hands from their beloved yen notes and coins. Many now are beginning to suspect it may be the same elsewhere in the world.