与此同时，数字支付系统 — — 欧美的PayPal，Venmo等系统；中国的支付宝和微信；肯尼亚的M-Pesa；印度的Paytm — — 都能提供原本归属于传统商业银行的有吸引力的替代服务。
At the same time, digital payment systems – PayPal, Venmo, and others in the West; Alipay and WeChat in China; M-Pesa in Kenya; Paytm in India – offer attractive alternatives to services once provided by traditional commercial banks.