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。有道翻译对此有专业解读
But Citibank’s gamble paid off. Consumer wariness toward ATMs turned out to be temporary: the advantages of the ATM over the human teller were obvious. Running an ATM was cheaper than paying a human—each ATM transaction cost the bank just 27 cents, compared to $1.07 for a human teller—and this could either be passed to the consumer in the form of lower fees or simply kept as profit. And ATMs were also just more convenient. An ATM could do in 30 seconds what would take a human teller at least a few minutes; and while a human teller was only available during business hours, ATMs could be used at any time of day.
浙江大學跨學科中心特約研究員賈擁民博士撰文稱：「假如只是一次性地給一位農村老人一筆錢，他可能會存下來，因為擔心以後不會再有了。相反，如果他有了明確的預期，知道以後每個月都有一筆可以維持基本體面生活的養老金，老人們當然是願意花錢的。」