To understand the future of the currency and transactions, it is necessary to understand the nature of money. The currency is the most important properties is that it is not "really". As objects, coins, paper money, debit card or credit card itself is of little value. The currency has always been a form of data. Now it is going through a second digital evolution: mobile technologies and cloud technologies change the credit card processing gateway way people trading again.

Currency data show that, in order to buy goods or services, the money from one entity to another entity. In the process of civilization thousands of years, the currency has gone through several evolution, they reflect the rise of human technology. These changes are not of night. However, when the currency changes, the transactions will be as it along with evolution. After all, the moving objects have inertia, tend to maintain a state of motion.

The money is a topic of debate. About it everywhere: When Fair mobile technology to take over? The new trading system look like? This is only a number of technical experts and early adopters of daydreaming?

Pew Research Center's Internet & American Life Project team and Elon University, "the idea of Internet centers" cooperation, "the future of the currency. Investigation of the non-random, 1012 agreed to participate in the study of Internet experts and other users, the research team published a report of up to 35. It is the past few years seen the most comprehensive, most rational thinking in the future monetary one. The researchers of the report researchers from companies and universities, there are also entrepreneurs, venture capitalists, financial experts, and so on.

The Pew survey found that 21 percent of the mobile phone owner had used a mobile banking service, these users, 90 percent of the people to check their balance and most recent shopping activity. 46% of mobile users on mobile devices to buy. Only 12% of the mobile phone owner mobile devices to pay.

This situation may change, but may not be as mobile payment company hoped so fast, many experts interviewed in the past year have talked about the mobile payment market in the initial stage, the real user behavior visible change will happen within the next merchant processing two to three years. During this time, the mobile payment experience shuffling process to decide the winner and a dominant payment system. The winner is Near Field Communication (NFC) technology? "Beam," The technology can also have the opportunity (this function with barcode scanner is roughly the same, but the reverse, that is to launch a red laser information from the phone to the payment terminal). QR Code is a more "mature" for mobile payment technology, but it may just be a transitional technology.