印度總理欲打造無現金社會：理想很美好 現實……

Narendra Modi, Prime Minister of India, has an economic firestorm on his hands following his decision to ban the 500 and 1,000 rupee notes. In his monthly address on Sunday, Modi took his ambitions further with a call for a cashless society.
印度總理納倫德拉·莫迪因決定禁止500及1000盧比紙幣流通而引起了軒然大波。在其週日的月發佈會上莫迪更進一步表明了其野心——致力於打造一個無現金的社會。

According to a translation by Reuters, Modi said, “I want to tell my small merchant brothers and sisters, this is the chance for you to enter the digital world.”
據路透社報道，莫迪曾說：“我想告訴那些小商販們，這是你們進入數字世界的一次機會。”

The ban has removed 80 percent of the country’s currency from circulation and brought commerce to a virtual standstill. But rather than backing up, it appears that Modi is doubling down. “We can gradually move from a less-cash society to a cashless society,” he told listeners.
該項禁令使得百分之八十的國有貨幣不再流通，並且導致了貿易虛擬停滯。但是莫迪不僅沒有回頭的意願反而變本加厲起來。他這樣對聽衆說道：“我們可以逐漸從一個少量現金流通的社會過度成爲一個無現金的社會。”

He admitted that “a 100 percent cashless society is not possible,” right now, but emphasized that he wants to set the wheels in motion.
他承認現在“打造一個百分之百無現金的社會是不可能的”，但是卻強調說他正試圖開啓這項工作。

Credit Suisse estimates that 90 percent of transactions in India are conducted in cash. Not only would a move towards a cashless society be a tough logistical hurdle but a cultural one as well. There isn’t really a strong install base for digital payment methods in India and people aren’t familiar with how to use them. Modi urged younger people who understand technology to teach the less-savvy.
據瑞士信貸估計，百分之九十在印度的交易是通過現金實現的。打造無現金社會的舉動不僅是對於物流的阻礙，同樣也是對於文化的阻礙。印度的電子支付系統並沒有一個穩健的根基，印度人民也並不熟悉如何操作該系統。莫迪也不斷敦促那些懂點科技的年輕人去教那些在該領域不怎麼靈敏的人如何操作。

While it seems likely that a move towards a cashless society would be an extremely long-term project, Modi has demonstrated his willingness to make bold decisions with immediately negative consequences. Even if dramatic measures are taken, digital payments bring a host of problems of their own—security breaches, privacy concerns and virtual black markets to name a few.
儘管該項舉措看上去將會是一個極端長遠的項目且短期內帶來了許多負面影響，但莫迪還是展現出將這個大膽的決定貫徹下去的意願。儘管已經採取了大量措施，數字支付系統還是帶來了諸多問題——安全漏洞、隱私問題虛擬黑市等等。