Episode Details

It's becoming increasingly popular for businesses to only accept payments by card. Yes. London's bus network has been cashless since 2014.越来越多的商家只接受刷卡支付。是的，伦敦的公交系统从 2014 年起就已经全面取消现金支付了。

And now there are many food and drink outlets in the UK that only accept payment by card. We're looking at the benefits of a cashless company.现在英国有许多餐饮店也仅接受刷卡支付。我们现在要讨论无现金公司的好处。

Yes, specifically in the hospitality trade. If you think about in the past, Richard, restaurants. Imagine the scenario. Saturday night, they've done very well, OK.是的，尤其是在餐饮与服务行业。想想过去吧，Richard，比如餐馆。想象一个场景：星期六晚上，他们生意很好。

They've had a lot of customers, well, a lot of orders. They've taken a lot of money. What happens at the end of the evening?有很多顾客、很多订单，收入也很多。那么在晚上打烊后会发生什么？

Well, obviously the first thing is, after they close, they've got to count the cash, haven't they? They've got to count the takings for the night and record it.首先显而易见的是，打烊后他们必须清点现金，对吧？必须数清这晚的收入并记录下来。

And it needs to be checked with the receipts. Exactly. So that takes up a lot of time and resources.而且还需要与收据核对。没错。所以这会占用大量时间和人力资源。

And then, of course, if it's night time, they've got to hang on to that money, probably keep it in a safe. If it's a Saturday night, they've got to keep all that cash safe and then probably not be able to take it to the bank, what, until Monday morning?而且，如果是晚上，他们必须妥善保管这些现金，可能要放在保险箱里。如果是星期六晚上，他们需要整晚保管所有现金，并可能直到周一早上才能存入银行。

And the bank is the other problem as well, of course, Jackie, because banks will charge customers if they deposit large amounts of cash.银行也是一个问题，Jackie，因为银行在客户存入大量现金时会收取费用。

What kind of bank charges do restaurants have a year then, about?那餐馆一年大概要付多少银行手续费呢？

Well, it can be as much as from £3,000 to £5,000 for a decent-sized restaurant, and obviously the chains pay much more than that.一家规模不错的餐馆一年大约要支付 3,000 到 5,000 英镑，连锁店则要付更多。

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