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VIEWPOINT

机译：观点

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During the last decade three tantalising visions of market oppor-tunities for smart cards have failed to materialise. These are the electronic purse; the patient health card; and the citizen card (providing access to local and national government services). Whatever happened? The original e-purse - Mondex, VisaCash and so on - was intended to replace cash in low value transactions. Banks would issue purses in the form of smart cards to their customers, who would charge their cards with value at ATM-like machines and then decrement them when they bought newspapers, corner shop groceries, commuter tickets and so on. The banks saw a golden opportunity to amass large quantities of float in the form of funds handed over to them in advance by consumers but not yet transferred to retailers. But never really caught on. Retailers and consumers were unenthusiastic; cash remains the simplest and most elegant means of exchanging value for goods in face-to-face transactions. Nevertheless marketing men and technologists devoted some of the best years of their working lives to devising schemes for compatibility between purses in domestic and international markets.
机译：在过去的十年中，对智能卡市场机会的三个诱人的愿景未能实现。这些是电子钱包；患者健康卡；和公民卡（提供访问地方和国家政府服务的权限）。发生什么事了？最初的电子钱包-Mondex，VisaCash等-旨在替代低价值交易中的现金。银行将以智能卡的形式向他们的客户发行钱包，客户将在类似ATM的机器上对卡进行充值，然后在购买报纸，转角商店杂货，通勤票等时将其递减。银行看到了千载难逢的良机，以大量的资金形式通过消费者预先交给他们但尚未转移给零售商的资金来积累。但从来没有真正流行。零售商和消费者都不热心。现金仍然是面对面交易中交换商品价值的最简单，最优雅的手段。尽管如此，市场营销人员和技术人员还是将工作中最美好的几年投入到了制定国内和国际市场上皮夹兼容性的方案上。

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