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  • Nick Molnar is something of an Australian icon.

    尼克-莫爾納是澳洲的偶像。

  • You can't really digest what's happening because a lot has happened very fast.

    你無法真正消化正在發生的事情,因為很多事情發生得非常快。

  • The 30-year-old is credited with reinventing the spending habits of millions of millennials,

    這位30歲的年輕人被認為重塑了數百萬千禧一代的消費習慣。

  • earning a spot on his country's young rich list in the process.

    在這個過程中,他在本國的年輕富豪榜上獲得了一席之地。

  • My co-founder and I made a rule very early on that we wouldn't watch the share price.

    我和我的聯合創始人很早就定下規矩,不看股價。

  • And now, as the pandemic supercharges his payments business,

    而現在,隨著疫情對他的支付業務的超。

  • its soaring stock price has shot him to billionaire status.

    其飆升的股價讓他一躍成為億萬富翁。

  • My wife always says just don't look down.

    我妻子總是說不要往下看就行了。

  • Nick is the co-founder and co-CEO of Afterpay, a “buy now, pay laterplatform that allows

    Nick是Afterpay的聯合創始人和聯合CEO,Afterpay是一個 "先買後付 "的平臺,它允許

  • users to stagger the cost of their purchases over regular, interest-free installments.

    用戶可以在定期的免息分期付款中錯開購買的費用。

  • Here's how it works: Say I want to buy these $200 trainers,

    下面是它的工作原理。假設我想買這些200美元的訓練鞋。

  • but don't want to part with all the cash upfront.

    但又不想把所有的現金都預付掉。

  • I can make an initial payment of $50, followed by $50 every two weeks

    我可以先付50元,然後每兩週付50元。

  • until the full cost is paid off.

    直到付清全部費用。

  • If I miss a repayment, I'll be charged a late fee and blocked from the platform until

    如果我錯過了還款,就會被收取滯納金,並被平臺屏蔽,直到

  • my payments are up to date.

    我的付款是最新的。

  • We pay the retailer the next day and then we assume all the risk, so it's our responsibility

    我們第二天就把錢付給零售商,然後我們承擔所有的風險,所以這是我們的責任。

  • to recover the funds from the customer on the due date.

    以便在到期日向客戶收回資金。

  • The business was born here in Australia back in 2014 and in just six years has turned into

    這家企業早在2014年就在澳洲誕生,短短6年時間就變成了。

  • a multibillion-dollar public company.

    一個價值數十億美元的上市公司。

  • It now has more than 11 million active users and almost 64,000 merchants.

    目前已擁有1100多萬活躍用戶和近6.4萬家商戶。

  • From a little idea ... it's been amazing to see it really catch on.

    從一個小小的想法......看到它真正流行起來,真是太神奇了。

  • Nick, a commerce graduate from the University of Sydney,

    尼克,悉尼大學商科畢業生。

  • noticed that young people's spending habits were changing.

    注意到年輕人的消費習慣正在改變。

  • His theory?

    他的理論?

  • That young people are growing skeptical of traditional financial products,

    年輕人對傳統金融產品越來越懷疑。

  • like credit cards, which can lead to spiraling debts.

    如信用卡,這可能導致債務螺旋式上升。

  • So Nick teamed up with co-founder Anthony Eisen, an investment officer, 18 years his senior,

    於是Nick與聯合創始人Anthony Eisen合作,Anthony Eisen是一名投資官,比他大18歲。

  • to create a millennial-friendly alternative for deferred payments.

    以創造一個適合千禧一代的延期付款選擇。

  • I actually started Afterpay with my neighbor.

    其實我和我的鄰居開始Afterpay。

  • Anthony and I got to know each other and we started speaking about this trend

    安東尼和我開始瞭解對方 我們開始談論這個趨勢。

  • that I'd seen growing up in the 2008 Financial Crisis.

    我在2008年金融危機中看到的成長。

  • So, becoming an adult during that period of time was pretty telling when you saw parents,

    所以,在那段時間裡成為大人,看到父母的時候,很能說明問題。

  • or friends of parents, lose their jobs.

    或父母的朋友,失去工作。

  • And essentially, the millennial cohort as a whole said I prefer to spend my own money,

    而基本上,千禧一代的群體整體上說,我更喜歡花自己的錢。

  • I'd prefer to spend on a debit card as compared to a credit card.

    與信用卡相比,我更願意用借記卡消費。

  • According to a survey, just one in three adults aged 18 to 29 owned a credit card.

    根據一項調查,18至29歲的成年人中,只有三分之一的人擁有信用卡。

  • That compares to more than half of 30 to 49-year-olds

    而在30至49歲的人群中,有一半以上的人是這樣的。

  • and around two-thirds of those aged 50 and above.

    和約三分之二的50歲及以上的人。

  • After launching in late 2014, the business saw quick growth.

    2014年年底推出後,業務得到快速發展。

  • Cash-tight consumers liked the four equal installments model, while retailers,

    現金緊張的消費者喜歡四等分的模式,而零售商。

  • keen to boost sales, were happy to pay a small commission to get on the platform.

    熱衷於提升銷量,樂於支付少量佣金上平臺。

  • Our thought process was, how do you turn this completely on its head.

    我們的思路是,如何將這個問題完全顛覆。

  • Where, rather than charging the consumer, you charge the retailer a small fee.

    在那裡,你不是向消費者收費,而是向零售商收取少量費用。

  • Within two years, Afterpay managed to raise $18 million on the Australian Securities Exchange

    兩年內,Afterpay在澳洲證券交易所成功融資1800萬美元。

  • in a heavily oversubscribed initial public offering.

    在首次公開募股中獲得大量超額認購。

  • Even the Kardashian sisters are fans.

    連卡戴珊姐妹都是粉絲。

  • An endorsement from Kim Kardashian on her social media accounts in 2018 to her millions of followers,

    2018年,金-卡戴珊在其社交媒體賬號上對其百萬粉絲的一次代言。

  • boosted the company's international profile among millennials and Gen Z.

    提升了公司在千禧一代和Z世代中的國際形象。

  • Her sister's cosmetic brand, Kylie Skin, is now one of thousands of major retailers,

    她姐姐的化妝品品牌Kylie Skin,現在已經成為數千家大型零售商之一。

  • including Lululemon and Adidas, that have piled onto the platform as consumer habits evolve.

    包括Lululemon和阿迪達斯,隨著消費者習慣的演變,紛紛扎堆進入平臺。

  • During the spring lockdowns, Visa credit card transactions in the U.S.

    春節鎖國期間,Visa信用卡在美國的交易。

  • fell by more than 30% year-on-year.

    同比下降30%以上。

  • While debit card transactions also plunged in the same period, they recovered quickly in May,

    雖然同期借記卡交易量也大幅下滑,但在5月份迅速恢復。

  • as consumers piled on retail and home improvement goods during their stay indoors.

    因為消費者在室內停留期間,堆積了零售和家裝商品。

  • If you look at what's transpiring in the current pandemic, similar to what we saw in

    如果你看一下目前的大流行中發生的事情,類似於我們所看到的。

  • the 2008 Financial Crisis, there's this distinct shift away from credit to debit cards.

    2008年的金融危機,有這種明顯的轉變 從信用卡到借記卡。

  • That has also supercharged Afterpay's growth.

    這也給Afterpay的發展帶來了超強的動力。

  • After dropping to A$8 in March 2020, the share price was up 1,300%

    在2020年3月跌至8澳元后,股價上漲1300%。

  • to hit a high of A$105 in November.

    以在11月創下105澳元的高點。

  • Meanwhile in May, Chinese tech giant Tencent paid more than $200 million

    同時在5月份,中國科技巨頭騰訊支付了超過2億美元的費用

  • for a 5% stake in the company.

    為公司5%的股權。

  • That has made Afterpay one of the hottest stocks in Australia and catapulted

    這使得Afterpay成為澳洲最熱門的股票之一,並使其成為澳洲最熱門的股票之一。

  • both Nick and Anthonywho each own 7% stakesto billionaire status.

    尼克和安東尼--他們各自擁有7%的股份--都成為億萬富翁。

  • Sometimes the share price goes up or goes down.

    有時股價會漲,也會跌。

  • I don't think it means we're any better or worse business over those periods of time.

    我認為這並不意味著我們在這段時間內的生意會更好或更差。

  • Morgan Stanley is now predicting the stock could hit A$120 by the end of 2020.

    摩根士丹利現在預測,到2020年底,該股可能會達到120澳元。

  • Afterpay's rapid growth hasn't been entirely well-received, though.

    不過Afterpay的快速發展並沒有完全得到好評。

  • Critics have argued that the platform encourages excessive and unsustainable consumer spending.

    批評者認為,該平臺鼓勵過度和不可持續的消費支出。

  • Currently, buy now, pay later platforms such as Afterpay, Affirm and Klarna

    目前,現買現付的平臺有Afterpay、Affirm和Klarna等。

  • fall outside of consumer credit laws in most countries.

    在大多數國家,不屬於消費信貸法的範圍。

  • Hianyang Chan, a Sydney-based senior consultant at market research firm Euromonitor, told me more.

    市場研究公司Euromonitor駐雪梨的高級顧問陳曉陽告訴我更多。

  • In one angle, we can position it as how buy now, pay later platforms allow consumers to

    從一個角度來說,我們可以將其定位為現買現付的平臺如何讓消費者能夠

  • be more conscious and cautious about their spending.

    更加自覺和謹慎地消費。

  • But at the same time, it can also be seen in another manner where, because of the lack

    但同時,也可以從另一個方面來看,由於缺乏。

  • of regulations, it might also put vulnerable people in a position where they might be spending

    規章制度,也可能會使弱勢人群處於一個他們可能會花錢的位置。

  • more than what they actually have.

    比他們實際擁有的更多。

  • Afterpay reports that 90% of its transactions are paid on time.

    Afterpay報告稱,其90%的交易都能按時支付。

  • Overall, late fees accounted for less than 14% of the company's total income in 2020,

    總體來看,2020年,逾期費佔公司總收入的比例不到14%。

  • with the remainder coming from merchant feesthe 4 to 6% commission it charges retailers.

    其餘部分來自於商家費用--它向零售商收取的4-6%的佣金。

  • The most important point about our business that many aren't too familiar with is that,

    我們企業最重要的一點,很多人都不太瞭解。

  • the moment someone goes late on one installment payment,

    逾期不還款的那一刻;

  • they can't keep shopping until they pay that late payment back.

    他們不能繼續購物,直到他們支付逾期付款回來。

  • Regulators are also concerned that small businesses are unable to absorb the merchant fees

    監管部門也擔心小企業無力承擔商戶費用。

  • as easily as larger businesses, hurting competition.

    如同大企業一樣輕鬆,傷害了競爭。

  • I think the regulatory bodies are seeing not only how can we protect the consumers,

    我想,監管機構不僅看到了我們如何能保護消費者。

  • but also how can we protect the merchants as well.

    但也如何才能保護好商家。

  • I think this is something that is going to be an ongoing conversation for many years to come.

    我想,這將是未來很多年都會持續的話題。

  • Nick said the company is currently in voluntary discussions with regulators about such concerns.

    尼克表示,公司目前正與監管機構就此類問題進行自願討論。

  • Even as the industry continues to grow apace, Afterpay has yet to turn in a profit.

    即使行業持續快速發展,Afterpay仍未實現盈利。

  • In 2020, Afterpay's revenue doubled to $382 million while losses halved to $16.8 million.

    2020年,Afterpay的收入翻了一番,達到3.82億美元,而虧損減半,達到1680萬美元。

  • The business is now focused on driving that growth forward.

    目前,該企業正專注於推動這一增長。

  • Key targets for that include the U.S., the U.K. and Europe.

    主要目標包括美國、英國和歐洲。

  • To that end, Nick will be based in the States to lead their international expansion,

    為此,Nick將常駐美國,上司他們的國際擴張。

  • while his co-CEO Anthony will be based in Australia.

    而他的聯合首席執行官安東尼將在澳洲工作。

  • Different regions are in different phases of growth.

    不同地區處於不同的發展階段。

  • In Australia, one in three millennials use our service every month.

    在澳洲,每三個千禧一代中就有一個每月使用我們的服務。

  • In the U.S., we processed over $4 billion of volume in the past 12 months.

    在美國,過去12個月我們處理了超過40億美元的交易量。

  • But it's our second full year and we're really just getting started.

    但這是我們第二個完整的年頭,我們真的才剛剛開始。

Nick Molnar is something of an Australian icon.

尼克-莫爾納是澳洲的偶像。

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