东京 —— 隶属于日本三菱UFJ金融集团（MUFG）的一家数字银行将于明年开业，该行不发行ATM卡，而是让客户通过该行智能手机应用程序确认身份，以应对日益猖獗的网络攻击，增强安全性。
TOKYO -- A digital bank opening under Japan's Mitsubishi UFJ Financial Group next year will not issue ATM cards, instead having customers confirm identities using the bank's smartphone app for additional security amid a rising tide of cyberattacks.
MUFG Emut Bank（MUFG惠沐银行）计划于2027年第一季度开业，将成为日本首家不发行现金卡的大型金融机构旗下银行。现金卡用于取款，但通常不具备借记卡的支付功能。
MUFG Emut Bank, which is set to launch in the first quarter of 2027, will be the first bank affiliated with a major Japanese financial institution to forgo cash cards, which are used to withdraw money but typically lack the payment functionality of debit cards.
客户将在参与合作的ATM机上扫描该行应用程序生成的二维码来取款。这意味着用户必须能够解锁手机并登录银行应用程序，且知道账户PIN码才能取款，相比仅需PIN码的现金卡，增加了多层安全防护。
Customers will instead scan a QR code from the bank's app at participating ATMs to access their money. This means users will need to be able to unlock their phone and to the bank app, as well as know their account PIN, to make withdrawals, adding more layers of security compared with cash cards that require just a PIN.
该应用程序也将成为客户管理存款的唯一渠道。用户无法通过个人电脑或其他设备登录Emut网站，这也是为了在发生网络攻击导致信息泄露时提供进一步防护。
The app will also be the only way for customers to manage deposits. Users will not be able to to Emut's website through personal computers or other devices, as a further defense in case information is leaked in a cyberattack.
安全问题近来备受关注。随着人工智能技术进步，日本针对企业的网络攻击激增，旨在窃取个人信息（往往瞄准银行账户）的网络钓鱼攻击也有所增加。
Security has become a greater concern recently. As artificial intelligence advances, Japan has seen a surge in cyberattacks targeting companies as well as a rise in phishing attacks aimed at stealing personal information, often targeting bank accounts.
Emut采用的技术由Seven Bank（七银行）开发，后者是7-Eleven便利店运营商Seven & i Holdings（七和伊控股）旗下的消费金融部门。Emut客户可在Seven Bank约2.8万台ATM机上取款。该网络预计将逐步扩展至覆盖FamilyMart（全家便利店）约1.6万台ATM机。
The technology being used by Emut was developed by Seven Bank, the consumer finance unit of Seven & i Holdings, operator of 7-Eleven convenience stores. Emut customers will be able to withdraw money from Seven Bank's roughly 28,000 ATMs. The network is expected to gradually expand to cover the 16,000 or so ATMs at FamilyMart convenience stores.
尽管目前无法使用MUFG银行的ATM机，但MUFG将考虑未来改变这一状况。
Although MUFG Bank ATMs will not be accessible, MUFG will consider changing this in the future.
取消现金卡标志着消费者数十年来提取现金的主要方式发生了转变。据信，三井住友银行的前身之一——原住友银行——于1969年成为日本首家推出现金卡的银行。
Scrapping cash cards represents a shift in what has for decades been consumers' main method of withdrawing money. The former Sumitomo Bank -- a predecessor of Sumitomo Mitsui Banking Corp. -- is believed to have been Japan's first bank to implement cash cards, in 1969.
作为日本最大的金融机构，三菱UFJ金融集团（MUFG）迈出远离现金卡这一步，很可能会刺激其他银行纷纷效仿。
The step away from cash cards by MUFG, Japan's largest financial institution, is likely to spur other banks to follow suit.
随着日本央行加息，银行上调了贷款利率——这一关键收入来源。企业为并购交易也渴望资金。银行争相吸纳消费者存款以支持放贷，数字化服务正是大型贷款机构用来吸引客户的手段之一。
As the Bank of Japan has raised interest rates, banks have hiked lending rates, a key source of revenue. Companies are also hungry for capital for mergers and acquisitions. Banks are vying for consumer deposits to fund this lending, and digital services are among the methods that big lenders are using to attract customers.
Emut于9月获得银行牌照，是日本三大银行集团设立的首家数字银行。它将提供一系列消费金融服务，包括支付和财富管理。
Emut, which received a bank license in September, is the first digital bank to be established by Japan's three megabank groups. It will offer an array of consumer financial services, including payments and wealth management.
摒弃现金卡将降低Emut的成本，使其能够提供预期高于三菱UFJ银行通常0.5%存款利率的利率（视条款而定）。利息可按日派发，而非每年两次——这在日本银行业属首创。
Eschewing cash cards will reduce Emut's costs, which will let it offer interest rates on deposits that are expected to be higher than MUFG Bank's usual 0.5%, depending on the terms. Interest can be paid out daily, rather than twice a year -- a first for a Japanese bank.