Placeholder Image

字幕列表 影片播放

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


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


  • And the country is becoming cashless.


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


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


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


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


  • 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.


  • 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.


  • 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.


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


  • 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.


  • 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.


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



影片操作 你可以在這邊進行「影片」的調整,以及「字幕」的顯示

A2 初級 中文 美國腔 銀行 帳戶 支付 中國 美國 軟體

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

  • 400 28
    Liang Chen 發佈於 2021 年 01 月 14 日