我们已经使用智能手机替代地图、健康追踪器和数码相机,那么为何不用它也取代我们的信用卡呢?事实上,已经有很多美国人选择智能手机进行网上购物,或通过手机使用网上银行。但金融服务公司TSYS2013年进行的一项调查发现,仅有6%的美国人愿意使用智能手机代替信用卡或借记卡。美国信息技术研究与咨询公司Gartner分析师拉杰什·坎达斯瓦米(Rajesh Kandaswamy)表示,无论是要签 We’ve replaced the map, the health tracker and the digital camera with smartphones, so why replace it with our credit card? In fact, many Americans already choose their smartphones for online shopping or online banking on their mobile phones. However, a survey conducted by the financial services company TSYS in 2013 revealed that only 6% of Americans are willing to use smartphones instead of credit or debit cards. Rajesh Kandaswamy, an analyst with Gartner Inc., a US information technology research and consulting firm, said that whether it is to sign