Name: ATM機在無現金時代還能生存嗎？ (Can ATMs Survive the Shift to a Cashless World?)
Uploaded: 2026-03-07T17:39:11.000Z
Duration: 5 min 35 s

分詞構句

The banking world is entering a cashless age, driven by mobile and contactless payments.

銀行業正進入無現金時代，這主要由行動支付和非接觸式支付所驅動。

情態副詞

In 2024, contactless payments surged globally to the tune of $10 trillion across more than 450 billion global transactions.

在2024年，全球非接觸式支付總額高達10兆美元，交易筆數超過4500億筆。

程度副詞

Online payments reached almost $13 trillion with over 200 billion transactions.

線上支付的交易額接近13兆美元，交易筆數超過2000億筆。

But as digital channels expand, the physical infrastructure we once depended on, like bank branches and ATMs is becoming less visible in people's daily lives.

但隨著數位管道的擴展，我們過去依賴的實體基礎設施，像是銀行分行和ATM，在人們的日常生活中變得越來越不顯眼。

According to research firm Datos Insights, there are close to 3 million ATMs in the world.

根據研究機構 Datos Insights 的數據，全球約有近300萬臺ATM。

That's about 360 ATMs for every 1 million people.

這相當於每百萬人約有360臺ATM。

Covid really accelerated people's use of digital banking.

COVID-19 疫情確實加速了人們使用數位銀行的習慣。

If I were to compare it, say five years ago, there is a reduction in the people who use our machines.

如果我來比較一下，大概五年前，使用我們機器的客戶人數是減少的。

In some nations, cashless spending has become routine, shaped by high trust in financial institutions, widespread smartphone adoption and robust digital payment infrastructure.

在一些國家，無現金消費已經成為常態，這受到民眾對金融機構的高度信任、智慧型手機的普及以及完善的數位支付基礎設施所影響。

Sweden is often cited as the clearest example, with over 98% of its population owning a debit or credit card.

瑞典常被視為最明顯的例子，其超過98%的人口擁有簽帳金融卡或信用卡。

Other countries on the way to a cashless society include Norway, Finland, South Korea and Singapore.

其他朝向無現金社會邁進的國家包括挪威、芬蘭、韓國和新加坡。

Singapore is a prime example of this shift.

新加坡就是這種轉變的最佳範例。

According to figures disclosed by the Monetary Authority of Singapore, the nation's bank branches and ATMs have fallen by an average of 2% a year over the past decade.

根據新加坡金融管理局公佈的數據，該國的銀行分行和ATM在過去十年平均每年減少2%。

And as of 2026 there are 150 retail branches and 1,600 off premise ATMs.

而到了2026年，將有150家零售分行和1,600臺分行外ATM。

This follows a similar trend for most of Southeast Asia.

這也跟大部分東南亞國家的趨勢相似。

Bank branches in Indonesia, Brunei, Thailand and Malaysia have declined steadily in the last decade.

印尼、汶萊、泰國和馬來西亞的銀行分行在過去十年來持續減少。

They're being replaced by services such as Singapore's PayNow, a digital payment system.

它們正被像是新加坡PayNow這樣的數位支付系統服務所取代。

Launched in 2017, it allows users to transfer and receive funds using just their mobile number.

這套系統於2017年推出，讓使用者僅需透過手機號碼就能轉帳和收款。

What government and monetary authorities Singapore have done in is build real time digital payment infrastructure.

新加坡政府和貨幣當局所做的事情，就是建立即時的數位支付基礎設施。

So you build national Rails and then within those Rails you allow competition to happen at user experience.

所以你們建立國家級的基礎設施，然後在這些基礎設施內，讓使用者體驗的競爭發生。

So MAS has set standards and incentives, perhaps grants and support, but allowed banks and fintechs to innovate.

所以新加坡金融管理局設定了標準和獎勵，或許還有補助和支持，但讓銀行和金融科技公司自由創新。

What we have done is that we've effectively looked at our top transactions that are done over the counter today.

我們所做的，就是審視現今在櫃檯辦理的頂級交易。

The and these transactions used to comprise 80% of why people go to the branches and now we've moved them to the machines so that people can access them at their convenience.

這些交易過去佔了人們去銀行分行的80%，現在我們已將它們轉移到ATM，讓大家可以隨時隨地使用。

24, 7 We've seen so many evolutions of customer behaviors so we've got the digital native generation right and they have never set foot into a branch.

24小時全年無休。我們看到許多客戶行為的演變，所以我們有數位原生代，他們從未踏進過銀行分行。

It has to change because digital technologies are superior to physical infrastructure.

這必須改變，因為數位科技優於實體基礎設施。

Because they have lower marginal cost, better scalability, they have Stronger data analytics.

因為它們邊際成本較低、擴展性更好，並且擁有更強大的數據分析能力。

So economic forces tell us this will keep moving in that direction and there is no going back.

所以經濟趨勢告訴我們，這將持續朝這個方向發展，而且沒有回頭路。

它仍然是一個可靠的後備方案。

Especially in an era where cyberattacks and natural disasters are increasingly common.

尤其是在網路攻擊和自然災害日益頻繁的時代。

We can think of ATMs and physical infrastructure as a backup.

我們可以把 ATM 和實體基礎設施想成是一種備援。

And that's where value of cash will still lie.

Even in a highly digital market like Singapore, cash is still common in certain settings, particularly through small value transactions or in the nation's traditional hawker centers.

即使在像新加坡這樣高度數位化的市場，現金在某些場合仍然很常見，特別是透過小額交易或在國家傳統的小販中心。

When we look at where to place our ATMs, we look at a lot of factors.

當我們考慮 ATM 的設置地點時，我們會考慮很多因素。

We look at the demand of the area pop up.

ATMs are great in the sense that they are able to help us meet seasonal demand.

ATM 的優點在於它們能幫助我們滿足季節性需求。

Across emerging economies, ATMs still play a crucial role.

在新興經濟體中，ATM 仍然扮演著至關重要的角色。

Egypt and Uzbekistan are even expanding their networks, driven by the needs of rural and remote communities where Internet coverage remains uneven.

埃及和烏茲別克甚至正在擴大他們的網路，這源於農村和偏遠地區的需求，因為這些地區的網路覆蓋率仍然不穩定。

This happens around the world when you think of most emerging markets, when you think of South Asia, Africa, Latin America, even some Eastern European countries where we have unstable connectivity, irregular merchant acceptance and low digital literacy.

這在全球許多新興市場都會發生，像是南亞、非洲、拉丁美洲，甚至一些東歐國家，那裡的網路連線不穩定、商家接受度不一，而且數位素養較低。

So you gotta think of what's the best hybrid approach, how to embed this physical infrastructure like ATMs into the digital customer journey.

所以你得思考什麼是最好的混合模式，如何將像 ATM 這樣的實體基礎設施融入數位客戶旅程。

ATMs are also upping their suite of services from biometric authentication and cash recycling to coin deposit machines.

ATM 也正在擴充服務項目，從生物辨識驗證、現金循環到投幣機。

But as they expand their capabilities, the maintenance behind them will need to become more advanced too.

但隨著它們功能擴充，後續的維護也需要更先進。

Cybersecurity has grown so much because everything is going online.

因為萬物都走向線上，網路安全變得越來越重要。

A lot of people are trying to steal or attack.

很多人都在試圖竊取或發動攻擊。

So this is one of really good examples of the jobs that will come to the front line.

所以這是將會走到第一線的職位裡，一個非常好的例子。

How to protect all these customers, all this data that is now digital on bank servers with AI and agentic AI.

如何利用 AI 和代理式 AI 來保護所有客戶，以及現在儲存在銀行伺服器上的數位資料。

What we are seeing is that we are incorporating them from for our staff to better assist our customers.

我們看到的是，我們正將它們納入，讓我們的員工能更好地協助客戶。

所以這對我們來說確實是一個優先事項。

In the short term, a lot of jobs will be taken away by AI digitalization.

短期內，很多工作都會被 AI 數位化取代。

But then in intermediate and long term, what will happen as it happens usually in these revolutionary changes, new jobs will be created.

但到了中長期，就像這些革命性變革通常會發生的那樣，新的工作也會被創造出來。

So while payment habits continue to evolve, ATMs are not disappearing, they're adapting to remain a meaningful part of the financial ecosystem.

所以，雖然支付習慣持續演變，ATM 並不會消失，而是會適應，繼續成為金融生態系統中有意義的一部分。