France is considering banning cash for transactions above 1,000 euros,

法國考慮禁止現金用於 1000 歐元以上的交易

and another of other governments are eliminating their highest-denominated notes.

還有其他政府要取消他們最高面額的鈔票

But might the elimination of cash also make us less safe?

但取消現金使用，有可能讓我們更不安全嗎？

Cybercrime has reached unprecedented levels

網路犯罪已達到空前的境界

and cost the global economy 445 billion dollars a year.

且每年消耗全球經濟 4450 億

The monetary value of digital data and services drives this.

這是數據資料與服務的價值所導致

For example, the prices for stolen credit card credentials can be

例如，一張信用卡的個資 (帳戶，姓名，住址等) 的價格可以

as high as 100 dollars a piece,

高達 100 美元

$9.95 for debit cards, and $5.60 for stolen usernames and passwords.

金融簽帳卡可達 9.95 美元，還有失竊的帳戶與密碼可達 5.6 美元

Research suggests websites transferring illicit goods and services

研究人員指出交易非法商品與服務的網站

using online front stores to process payments

利用偽造網站進行付款

are generating around 10% of the traffic that legitimate sites do.

產生了約 10% 的合法網站的網路流量

A cashless economy won't stop illicit financial flows,

無現金經濟不會阻止非法資金流動

estimated at 1.1 trillion dollars in 2013,

非法資金在 2013 年已估計有 1.1 兆美元

finding a way into banks.

並找到方法流入銀行系統

About 45% of those flows end up in offshore financial centres

大約 45% 的資金最後到境外金融中心

after being laundered through the international banking system.

在經過國際金融體系洗錢後

Criminals might find ways to hack the databases of banks,

罪犯可能找到駭入銀行資料庫的方法

diverting vast amounts of money towards themselves,

轉移大量的金錢到自己的戶頭

or even holding financial institutions to ransom.

或甚至要脅金融機構支付贖金

Then there's the potential cyber threat from government itself.

因此出現政府自身潛在的網路危機

In principle, currencies could be invalidated, funds frozen, or seized,

原則上，貨幣可以失效、資金能被凍結或扣押

and bailings implemented ensure our banks become insolvent,

以及紓困機制都能使得銀行破產

as they did in 2008.

如他們在2008年的做法

But since we can't go back to a world of cash,

但我們無法回到純現金的世界

these dangers will exist whether or not cash is finally phased out.

無論現金會不會被淘汰，這些危機都會繼續存在