《未来的支付》 鲁娅教授在第四次东南欧峰会上的演讲（中文字幕）

鲁娅教授在东南欧峰会

Thank you very much for the invitation to be a speaker of the Economist Forum today, and speak about the Future of Money. My name is Dr. Ruja Ignatova. I hold PhD diploma. And I have always been very interested in Financial services, and worked about 6 years with McKinseyz in Eastern Europe, actually when the crisis here was really really bucked. I was spending my time in Russia and it was an interesting time.

我非常荣幸有机会在今天的经济学人论坛上演讲。演讲的主题是“货币的未来”。我是鲁娅·伊格纳托娃，博士生毕业。一直以来，我对金融服务这一领域非常感兴趣。我在东欧与麦肯锡合作了六年时间。当时正值金融危机，经济萎靡之后我在俄罗斯度过了一段美好的时光。

I want to speak today about there is a future of money, the future of payments. And, how to say, it’s hard to listen to the speakers before me who are having such gloomy outlook focusing on all the issues that the region faces, and showing us a future we will have to do a lot of catching-up in Eastern Europe, a lot of work ,a lot of tasks and a lot of issues.

今天我要讲的是：货币的未来以及支付方式的未来。之前很多演讲者都对目前形势不容乐观，一直密切关注着我们这个地区所面临的问题，告诉我们东欧要赶超其他地区，就要做出大量的努力、完成繁重的任务、面临更多的问题。

So I would like to take a bit different approach, I would like to show people that East Europe can emulate, East Europe can bring growth, that we are not just a follower, and country catching-up. But actually the trend can also show the world that we can do a lot.

所以我将采取一种与众不同的方式，我想要让大家看到：东欧能够奋力竞争，东欧能够带来发展，而并不只是一味地模仿和追赶其他国家，同时也向全世界表明我们能够做的更多。

Our company which is very young(one and a half years old), actually writes history currently with crypto-currency. OneCoin currently reached a market capitalization of one billion dollars, radiated a goal which makes me extremely proud. And we have a network of 650,000 users over 119 countries and we come from Eastern Europe. We started actually in this country. We have the idea in this country, and we do not only describe the future of money. Actually we take a very active approach of shaping the future of money.

OneCoin公司于一年半前成立，还很年轻，但是我们改写了加密货币的历史。目前OneCoin的市值已经高达10亿美元。对此我感到非常的骄傲，我们是来自东欧的公司在全球119多个国家内拥有65万用户。我们在这里起步，在这里创意不断。我们不仅仅是在描绘货币的未来，更是在积极地塑造货币的未来。

So Southeast Europe is a very good place to live. And I’m born here. I have been in nostalgia for a time. But I felt at home here. However, even we can not take an isolated approach and see ourselves as no global participants, the world is getting smaller and smaller. We are living in the world with globalization. Technology is developing at a speed that makes me feel dizzy sometimes, seeing what happens around us .

我出生在东南欧，这是一个非常适合居住的地方，这里让我感到非常的舒适。即使我们要与世隔绝、拒绝成为全球的一部分都是很难的，因为整个世界在逐渐聚集不断缩小与融合。我们生活在一个全球化的世界里。科学技术日新月异以爆炸式的发展，以至于我有时候看着周围的世界，感到有些盲从。

And all the innovative companies, like Facebook, Google, Apple, all of them are unfortunately either not even coming from Europe. Or like we are just following and just saving all our money in Eastern Europe, which saw a lot of money going to buy the newest i-Phone outside. So with globalization the world becomes much smaller and much more transparent, and the need of consumer and of company actually changed a lot. We have a lot of more needs for cross-board transactions. Even as a simple customer, I have to do a lot of shopping, a lot of things outside my country. So, of course, it’s from need to need we have to address with the company.

可惜的是，像Facebook、谷歌、苹果这些富于创新的公司没有一个是来自欧洲的，我们东欧好像就是在攒着钱翘首企盼，等着去买价格不菲的最新款苹果手机。随着全球化进程的加快，世界变得越来越小，越来越透明，顾客和公司的需求也都发生了变化。跨境贸易的需求在不断增大。在国外即使作为一名普通的顾客，我也有很多东西要买，很多事儿要办。更可谓对于公司，我们必然要处理不同公司的各种个性化需求。

So what’s the future of money? In my opinion, the future of money, or the big part of the future of money would be outside the banking system, as we know today. Traditional businesses either will change or new entrance would come to the markets. One of the most particular entrance that I have been following now for five years is a Bitcoin.

那么，货币的未来到底是怎样的呢？就我个人观点，未来的货币至少很大程度上是在银行系统之外的，传统的商业模式将会被改变，市场上将出现新形式，而其中最为流行的就是我研究了5年时间的比特币。

The Bitcoin is a crypto-currency, the first crypto-currency, the biggest crypto-currency and these people who created it before nobody officially knows would have our fullest respect, for the innovation, disruption and value creation that they actually did to the financial market. Of course there were evidence of value creations and a lot of turmoil often happen. But these people created something new and something really exciting. Bitcoin and block change technology, which make financial services independent form governments, independent form regulators even and independent form banks, as we know them, already starts changing the world we are living in.

比特币是世界上第一种也是使用价值最大的加密货币。我们要向比特币的缔造者致以崇高的敬意，他们无声无息地创造出比特币，给金融市场带来了创新、争执，创造了不可计量的价值。显而易见，在它创造巨大价值的同时，也给现实世界带来了混乱，但这的确是一个壮举。比特币的形式及相关区块链技术，使得金融监管部门与政不能像对待传统银行的方式来处理，它在无形改变着我们的生活方式。

However, Bitcoin until now, and the more sophisticated currencies have been a payment system, an investment system for the either very sophisticated people out there with a very very solid key background, for the smart ones offer their need to a lot of money that diversifies their portfolio with a new exotic investment like Bitcoin.

尽管如此，现在比特币和那些更为成熟的货币一起构成了支付系统，同时也为每一位资金雄厚的投资者提供一种投资体系。这些聪明的投资者会抓住比特币这种新奇的投资方式，从而获得巨额的回报。

The market is still not very big, with market capitalization, fluctuating between two and three billion transactions, happening every day about two hundred million Euros, so we still have a lot of potentials to grow the cryptocurrency market, but we see a start. So we have been or we still be in the emerging market, that’s not sure, what’s political correct to say, but emerging markets are all there, and we can speak about Latin America, we can speak about Asia, we can speak about Africa, it’s a extremely interesting market actually which is like catching up now, and we can speak about also the small Asian countries.

现在市场还不是很大,全球交易额大概在二三十亿，每天大约有二亿欧元。在这个不断扩大加密电子货币的市场中蕴藏着巨大的潜力，这才仅仅是开始。长此以往，不确定地说在发展中国家的市场，像拉丁美洲、亚洲、非洲，他们迎头赶上，甚至像亚洲一些小的国家。

All these countries, we have initiated also at here actually, a lot of people who are underbanked, unbanked or just forgotten by the big players. Why? Because they are poor, because they have needs not that interesting in the transactions, or simply because some of these people don not have proper documents, I have been in countries where people every one of them has smart phone but has no proper ID Card, so how do these people bank? I have been in Singapore and seen Indian people working very very hard to support families in India, how do these people send money to their families, and to their loved ones? Remittent businesses in Dubai, all the Philippines working there and pushing economy, what do these people do? What they do is either to go to a bank to do foreign exchange, (or) they go to the west union outlet, and they pay high high fees, because why?

在这些国家，有很大的市场有待于开发，这里没有银行，或者只有地下银行，为什么？因为他们贫穷，大咖们没有多大的兴趣进行交易，或者更简单得来说，他们中的一些人都没有合适的证件，我曾经去过一些国家，那里的人们人手一部智能手机，但却没有身份证，那么这些人如何去银行办理业务？我曾经去新加坡呆过一段时间，看到印度人非常努力地工作来维持家庭生计，他们怎么将钱寄给家人和亲人？迪拜的交易是张弛有序的，菲律宾人在那里工作，推动着经济，这些人在做什么呢？ 他们去银行做外汇，他们去西方联盟出口,他们支付着很高很高的费用，因为什么呢?

We, as a financial sector, charge always most ones, who are the poorest, who are lack of ones with their needs that nobody else can conceive, if you are poor customers, if you don’t have a lot of money, the bank will fight for you, they will give you cards for free, they will do their best to make you happy, but the people of there, the mass customers, the ones who actively change the world, the ones who are working for the economy, these people are underserved, underbanked, and I believe the cryptocurrency can change the life, and not only me actually, I think Bill Gates believed the same and said the cryptocurrency will make the huge difference for emerging markets. So what is really the future of money? I believe that these cryptocurrency is spreaded out there to the mass market, to people who can be made understand the cryptocurrency, and to those say cryptocurrency is on very very complicated, hidden complex, can I do it?

作为金融机构，我们服务的首要对象就是那些穷人，是那些缺乏很多东西的人，而这些东西是他人所无法想象的，如果你很穷，如果你钱不多，我们将尽全力帮助你，我们将会免费给你张卡，我们会尽全力使你满意。这是这些人改变了这个世界，是他们推动了经济，然而我们没给这些人周到的服务及充分的金融服务。我相信，加密电子货币将会改变我们的生活，不仅我是这么想的，我相信比尔盖茨也是这么认为的，认为加密电子货币将会在新兴市场中产生巨大影响，所以货币的未来是什么？我认为加密电子货币将会惠及群众市场，惠及那些可以理解加密电子货币的客户，以及那些认为加密电子货币隐晦难懂的，认为自己无法理解的人。

If we manage to make cryptocurrency actually accessible to people out there who are not smart enough not understand the smart phone , who are not smart enough to move and to work in Asian countries, we make it simple, we can actually become then a next mass phenomenon, like Google, like Facebook become natural for active user.

如果我们能够化繁为简，让那些不会使用智能手机的人和不能搬去亚洲国家或去那工作的人，接触到加密电子货币，从而使之变成像谷歌和Facebook一样的活跃用户使用的大众媒体。

Up till now, cryptocurrency did not make a leap in my opinion, because it is not user-friendly, because it is not easy to use for the mass market, and because people perceive they are difficult, so the personnel, the company who makes it actually to make the cryptocurrency easy to use, accessible in the market that needed, this is not US gentleman, this is emerging market for people who want to work as a tool to use it.

直到现在，以我来看，加密电子货币还没有取得突破性的进展，日前还不能够被大众媒体所使用，操作不够简单。人们认为它很难使用，对个人、公司言，电子加密货币应该变得更容易使用，更易满足市场需求。我的同伴们，这不是美国，这是一个新兴市场，人们可以把它作为一种工具来使用。

If we make cryptocurrency not only tools for speculators and investors to make quick money, but make it usable. If we work on KYC, on documentation, making it transparent, and bringing the cryptocurrency to the traditional world, with the regulators, by the way, the US actually government, four weeks ago, they said that the cryptocurrency is actually is in a state to equal commodities, so it means that actually the cryptocurrency can be treated like virtual gold, commodities is a gold silver line a transparent planet big coin, so the future of money, can be searched as outside the banking system, because we still more flexible, we do not find the issues that the bank itself, and because we think that the next big thing is based on technology, on the internet and on the natural phenomenon.

如果电子加密货币不仅仅是一个可以使投机商和投资者能够快速赚钱的工具，而是为了更加方便适用。如果我们的精力能够更多的放在客户满意度和来信中，使之更加开放透明化的来被监管机构来监管，那么加密电子货币能够走入到我们传统的世界。事实上，在1个月前，美国政府称就称加密电子货币等同于一个国家的商品，这就意味着它可以被看成是真实的黄金，这种商品就犹如黑暗中的一缕希望。所以货币的未来，可以脱离于银行体系，因为我们的生活方式更加便捷，不受银行自身的问题所困扰，我们认为下一个伟大的事物是建立在科技、网络和自然现象的基础上孕育而生。

And we see all these big companies out there. I think if we manage to provide a consistent strategy, a key to use the currency, and a easy access which is allied with regulators out there, transparent, safe, cryptocurrency can actually be one of preferred methods of payment, not only bank transfers, card transfers, and all the traditional ways between deal money with, my future or my vision actually is one card making cryptocurrency, one currency, like the Europe, like the dollars, and you just can go and spend with your card, which can be a visa and Master card, like Chinese Union, whatever, make it a currency that people just can go and spend out there, I have done my job, whenever all of you can go with your cards and just spend one coin for a dinner, this is the cryptocurrency actually became real for me, and I’m very very curious how the next two to three years will work out for all of us, and I hope I’m right, future is with technology and with us, thank you very much!

许多巨头公司聚集于此，如果我们能成功的提出统一的策略，来与配合监管部门的工作，这是问题的关键。那么透明、安全的加密电子货币就成为一种更受欢迎的支付方式，不仅仅是对传统的交易方式而言，例如：银行交易、信用卡交易等等。我的期许就是，未来电子加密货币能成为一种货币用来交易，就像欧元和美元一样。可以用信用卡、visa卡、万事达卡和中国银联一样刷卡消费。尽我所能，无论什么时候你都可以用onecoin来买单。目前来看，电子加密货币已经成为现实，我很好奇在未来的两到三年里，电子加密货币我们的生活带来怎样的影响。我希望我是走对了路，我们的未来将与科技同行，创世间财富。谢谢大家！

以上资料，由林士现（微信号：18959890169）收集整理，希望转载的朋友能表明出处，谢谢！

二、东南欧峰会背景介绍

1.发布峰会信息平台权威性吗？

峰会网址：http://www.economist.com/events-conferences/emea/sofia-2015

首先，说一下 http://www.economist.com这个网站是《经济学人》杂志的在线官网，隶属于经济学人集团的（中文官网：http://going-global.economist.com），然后《经济学人》杂志主要是发布什么内容呢，大家可以看官网的介绍

《经济学人》杂志创刊于1843年，初创时宗旨为推动自由贸易。经过170年的发展，现已演变为经济学人集团——拥有多种系列刊物、经济学人智库（EIU）、国际网络联盟（Ideas People）、公共关系服务（TVC）、医疗健康解决方案等跨媒体的国际传媒出版集团。

集团总部位于英国伦敦，亚太区总部位于香港，即：香港经济学人集团（亚太）有限公司（地址：香港湾仔港湾道18号中环广场6001室）

《经济学人》杂志权威性吗？百度一下 （经济学人杂志人民网），人民网引用了很多该杂志的信息。可见发布峰会平台的真实性和权威性。

2、会议的主题是什么？

会议的主题是关于东欧地区银行前景的展望，如何克服危机，展望未来，以及如何通过加密货币来对金融领域的改革。

可见，随着科技技术的不断发展，以及贸易和信息的全球化，现有的银行体系就会面临更多的挑战，各个国家的银行大佬也都在寻找对金融领域的改革。而维卡币创始人鲁雅教授想致力于通过加密货币来改变现有的支付体系，自然而然的获邀讲解她对未来支付的想象和展望，以及对维卡币的前景期待等。所以从主题可以看出，东欧银行业也在寻找支付体系改革和创新，而这个可能就是通过加密数字货币来改革和创新的。

3、参加会议的嘉宾都是小兵小将吗？

世界银行Antony Thompson介绍网址：http://www.worldbank.org/en/about/people/antony-thompson

结论：为什么要分析公司参加东欧峰会呢？

首先，信息比较新，2015年10月14日~15日举行，对公司的了解和判断比较准确。

其次，为什么要分析这个会议议题？

分析参加会议的议题，可以了解会议对公司主要业务的影响。假设鲁娅教授是以个人名义去分享自己的创业经历，那影响力跟本次的实际效果肯定有出入了。

最后，为什么要分析参加会议的成员有哪些？

很简单，在国内有资格跟马云一起开会的人不多嘛！