In Japan, cash accounts for about 40 per cent of all transaction value, around double that of regional peers. That reflects the country’s relative late start in financial digitisation. At the same time, its banking sector is structurally overbuilt, crowded with regional lenders in a growth constrained economy. Yet even in this saturated market, a new entrant should not be dismissed.
在日本，現金約佔所有交易價值的40%，大約是該地區同行的兩倍。這反映了該國在金融數位化方面起步相對較晚。與此同時，其銀行業在結構上過度建設，成長受限的經濟體已被地區性銀行擠得水洩不通。然而，即使在這個飽和的市場中，也不應忽視新入行者。
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