The rise of third-party mobile payments in China at the expense of credit and debit cards is threatening commercial banks’ access to the customer data viewed as crucial to newly emerging financial and consumer business models.
在中国,第三方移动支付正在崛起,而代价是信用卡和借记卡的使用量在减少,这对商业银行获取客户数据的能力构成威胁。这些客户数据被视为新兴金融和消费业务模式的关键。
The president of Ant Financial, Alibaba Group’s finance affiliate, told the Financial Times earlier this month that payments through its Alipay unit bypass China UnionPay, the state-owned settlement network with close ties to the central bank.
本月早些时候,阿里巴巴集团(Alibaba Group)旗下金融公司蚂蚁金服(Ant Financial)的总裁向英国《金融时报》表示,经由其支付宝(Alipay)完成的支付跳过了中国银联(China UnionPay)。银联是与中国央行关系密切的国有结算网络。
The result is that UnionPay, along with issuing banks and acquiring banks, is hemorrhaging income from merchant fees.
这种状况导致银联以及发卡行、收单行从商户那里赚取的手续费收入大幅缩水。
The trend is fuelled not only by the rise of ecommerce but also by the dramatic increase of mobile payments to offline merchants such as supermarkets and restaurants.
【移动支付崛起威胁中国商业银行获取大数据的能力】相关文章:
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