Yet it’s unclear whether Mr. Zuckerberg can pull all those features off with Facebook. On WeChat, those services are underpinned by its mobile payments system, WeChat Pay. Because payments is already tied into the messaging service, people can easily order meal deliveries, book hotels, hail ride-sharing cars and pay their bills. WeChat Pay itself has 900 million monthly active users.
不过,目前还不清楚扎克伯格能否在Facebook上实现所有这些功能。在微信上,这些服务的基础是其移动支付系统“微信支付”。由于支付同信息传送服务捆绑在一起,人们可以轻松地订购送餐服务、预订酒店、叫车和支付账单。微信支付本身每月有九亿活跃用户。
People also use WeChat Pay to transfer money and to buy personal finance products. More than 100 million customers have purchased WeChat’s personal finance products, which managed over 500 billion yuan, or $74 billion, by the end of last September, Tencent has said. Its users can buy everything from bonds and insurance to money market funds through the app.
人们也使用微信支付转账和购买个人理财产品。腾讯表示,截至去年9月底,已有一亿多客户购买了微信的个人理财产品,这些产品管理着超过5000亿人民币(合740亿美元)的资金。用户可以通过该应用购买从债券、保险到货币市场基金在内的一切东西。
Facebook lacks such a payments system. So to be more like WeChat, the Silicon Valley company could have to acquire banking and payment licenses in many countries. One sign that Facebook has been thinking about payments is its work on a new crypto coin that is meant to let people send money to contacts on their messaging systems.
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