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  • In China, people use mobile services owned by Alibaba and Tencent to do almost everything.

    在中國,大家的生活幾乎離不開阿里巴巴和騰訊旗下的手機服務。

  • They chat, shop, send money to each other, and even make purchases in physical stores.

    聊天、購物,匯款,甚至是實體店面的付款。

  • And the country is becoming cashless.

    國家正走向「無實體現金」的時代。

  • So here's the scary thing for American finance executivesthe banks never get a cut.

    所以對美國的財務主管而言,這件事非同小可,因為銀行分不到一杯羹。

  • In fact, many Chinese don't even have bank accounts.

    其實很多中國人甚至沒有銀行帳戶。

  • China is among the growing number of countries showing that payments can happen cheaply and easily without banks or credit cards.

    越來越多國家顯示出無卡或無帳戶付款的便利,而中國是其中一員。

  • In contrast, U.S. consumers still rely on banks for most of their purchases.

    反之,美國消費者大部分還是用銀行帳戶付款。

  • Even mobile payments made through apps like Apple Pay, Uber, or Venmo are tied to the users' cards or bank accounts.

    即使是 Apple Pay、Uber、Venmo 這些手機支付,都還是需要連結信用卡或銀行帳戶。

  • That all adds up to a feast of fees for many of the companies that handle and process payments.

    對許多處理付款交易的公司來說,這些手續費挺可觀的。

  • For a typical $100 credit card purchase in the U.S., $97.25 goes to the merchant and the rest is split between issuing banks, payment processors, the merchant's bank and card networks.

    一般在美國用信用卡消費美金 100 元,其中 97.25 元會進入商家口袋,剩下的分給發卡銀行、金流商、商家的銀行與卡片系統。

  • Those small slices add up to billions of dollars for banks every year.

    這些林林總總加起來為銀行帶來每年幾十億的收入。

  • If apps were to grab market share in the U.S. at roughly the same rate as they have in China, banks would lose a projected $43 billion in revenue from one of their most profitable businesses.

    如果支付軟體在美國的市占率向中國看齊,銀行利潤最高的交易預計會損失 430 億的收益。

  • And that's not the end of it.

    不僅如此。

  • Banks also generate revenue by dispensing cash and administering checking accounts.

    銀行也從吐鈔和提供帳戶查詢功能裡獲取利潤。

  • If payment apps were to replace paper money and offer alternatives to regular bank accounts as they increasingly have in China, other sources of income could take a hit.

    如果像中國一樣,支付軟體提供帳戶的替代方式、取代紙鈔的話,其他收益來源將損失慘重。

  • Checking accounts alone generate $3 billion in bank fees in the U.S.

    帳戶查詢功能就讓美國銀行淨賺 30 億。

  • Whether or not you have access to a bank, being able to make or receive payments through your phone is an obvious advantage, as Alipay and WeChat Pay have demonstrated in China.

    不管有沒有銀行帳戶,用手機支付或收款絕對是一大優勢,就如同中國的支付寶與微信。

In China, people use mobile services owned by Alibaba and Tencent to do almost everything.

在中國,大家的生活幾乎離不開阿里巴巴和騰訊旗下的手機服務。

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美國銀行對中國支付應用感到恐懼 (U.S. Banks Are Terrified of Chinese Payment Apps)

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    Liang Chen 發佈於 2021 年 01 月 14 日
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