迟来的扫码支付！日本无现金支付比例突破40%，日央行：必须为未来无现金社会做准备【附数字货币行业市场分析】

Group 1 - Japan's cashless payment ratio has increased from 13.2% in 2010 to 42.8% in 2024, surpassing the government's 2025 target a year early [2] - The growth in cashless payments is primarily driven by the rapid adoption of QR code payments and the continued increase in credit card usage, with credit card payment totals reaching 116.9 trillion yen in 2024 [2] - The Bank of Japan has initiated a pilot project for a digital yen in 2023, collaborating with private enterprises to test the application of Central Bank Digital Currency (CBDC) in real payment scenarios [2] Group 2 - Various countries and regions have begun discussions and experiments regarding the feasibility of CBDCs, although some have yet to issue digital currencies [3] - China has been actively developing the digital yuan since 2014, with pilot programs launched in multiple cities and scenarios, enhancing the efficiency of cross-border payments and reducing reliance on the SWIFT system [4] - The non-cash payment scale in China reached 32.56 trillion yuan in the first three quarters of 2021, accounting for 52.4% of the payment system, with continued growth expected [4]