Digital currencies are not currently accepted as a means of payment by the banking system.

现在银行系统并不接受数字货币作为支付方式。

It may be short-lived, too, as cash succumbs to the digitalisation of finance and new means of payment take over.

这种想法可能也会是短暂的，因为现金在给金融数字化让路，被新的支付方式所取代。

Fourth, electronic means of payment may raise security and privacy concerns.

第四， 电子支付方式可能会引起安全和隐私问题。