近日，Business Insider 发布了对于2020年科技行业30大预测，其中包括对于金融科技行业的五大预测。
从金融、零售、医疗健康到内容产业，数字化浪潮正在席卷所有产业，没有哪个行业可以远离数字化而生存。
美国商业研究机构 Business Insider（下文简称“BI”） 提出：2020年将是数字化转型的落地元年。
BI在近期发布的《2020年度重要科技趋势预测报告》（30 Big Tech Predictions for 2020）中，针对银行业、通讯技术、数字化媒体、电商支付、金融科技及数字医疗六大领域提出了前瞻预测。
其中，针对金融科技行业，BI提出了五大趋势预测，钛媒体（微信ID：taimeiti）编译如下（本文为中英双语对照）：
2019 marked a dynamic and eventful year for the fintech industry, with big tech players pushing deeper into financial services, corporate giants and governments alike turning their focus to digital currencies, and the industry shifting its attention from fintechs’ user growth numbers to sustainability.
2019年对于金融科技行业而言是充满活力并且意义重大的一年，各大科技巨头纷纷深入金融服务领域，企业和政府纷纷将重心转向数字货币，整个行业的关注重心逐渐由用户增长转移到可持续性。
Further, both incumbents and fintechs have been exploring new business models to diversify their revenue streams, players like Robinhood and Freetrade have been disrupting the trading industry by transforming the rules of the game, and emerging markets — such as Latin America — have come to the fore as vibrant fintech ecosystems.
此外，业内外人士都在探索新的商业模式，以使其收入来源多样化，Robinhood和Freetrade等公司已经通过改变游戏规则扰乱了贸易行业，新兴市场如拉丁美洲已经成为充满活力的金融科技生态系统。
Based on these developments, our proprietary research, and the trends we’ve seen intensifying as we head into the new year, here are our top five predictions for fintech in 2020.
基于这些发展、我们的专有研究以及我们在新的一年中看到的不断加剧的趋势，以下是我们对金融科技2020年的五大预测。
1、Libra won’t launch in 2020, but China will launch a digital currency and push other jurisdictions to follow suit — here’s why:
Libra将不会在2020年上市，但中国将发布数字货币，此举将推动其他国家的发行计划，理由如下：
Facebook remains confident it can deliver on Libra, but since the project has been plagued by criticism, we don't think it will launch in 2020. In June, Facebook announced its plan to launch its cryptocurrency, Libra, with 28 partners in H1 2020. Many regulatory bodies and governments have scrutinized the project since then — Mark Zuckerberg had to testify in front of Congress amid concerns that Libra could facilitate money laundering, endanger users' assets, and give Facebook more power, for instance.
仍有信心发布Libra，但由于该项目一直饱受批评，我们认为它不会在2020年推出。2019年6月，Facebook宣布计划在2020年上半年与28家合作伙伴推出加密货币Libra。从那时起，许多监管机构及政府就开始仔细审查这个项目——他们担心Libra可能助长洗钱行为、危及用户资产并赋予Facebook更多权力，这使得马克·扎克伯格不得不在国会面前举办听证会以解释这一切不会发生。
The loss of support from some of its key members, including Visa, Mastercard, and PayPal, has also put a damper on the project. But Facebook has already logged over 51,000 test transactions in November and insists it can resolve government worries and launch within H2 2020.
此前Libra联盟的一些核心成员，包括Visa、Mastercard和PayPal等均表示不再支持这个项目，也给其带来了阻碍。但Facebook在11月已经记录了超过51000笔测试交易，并坚称它可以解决政府的担忧，并在2020年下半年推出。
This confidence is likely fueled by a strong track record of getting its way, including with the acquisitions of Instagram and WhatsApp, despite regulatory concerns. However, we think this time will be different given the slew of voices globally that have raised concerns and mounting antitrust scrutiny against all big tech giants — if at all, Libra won't launch in the next 12 months.
或许是包括收购Instagram和WhatsApp在内的利好给了Facebook信心，缓解了其在监管方面的担忧。然而，我们认为这次将是不同的，因为全球范围内有越来越多的人民开始支持对对所有大型科技巨头进行反垄断审查，即使Libra在接下来的12个月内不会上市。
Meanwhile, China will launch its own crypto in 2020, leading a number of other countries to ramp up similar efforts. Although Facebook's crypto plans are looking bleak, China's central bank has gotten close to launching its own crypto: It began researching the venture in 2018, and it was reported in August that the crypto was "close to being out."
与此同时，中国将在2020年推出自己的加密技术，并引领其他一些国家加快这方面进程。尽管Facebook的加密计划看起来很黯淡，但中国央行已经接近推出自己的加密方案：它在2018年开始研究这项业务，今年8月有报道称，加密技术“即将面世”。
We expect this will happen in 2020, as it has already started testing the digital currency in two cities. This will push an avalanche of other major authorities, particularly the Bank of England and central banks in the EU — with Sweden being a current forerunner — to take steps in that direction to avoid falling behind China.
我们预计这将在2020年实现，因为已经有两个城市开始测试数字货币。这将促使其他国家的有关部门，特别是英国央行和欧盟各国央行（瑞典是当前的先行者）纷纷采取措施，避免落后于中国。（钛媒体）
