助长这一趋势的不仅仅是电子商务的崛起,还包括超市和餐馆等线下商户移动支付量的迅猛增长。
The move by more Chinese consumers to switch from swiping plastic cards to scanning QR codes with mobile wallet apps knocked $20bn from banks’ fee income in 2017, according to Kapronasia, a Shanghai-based fintech consultancy.
总部位于上海的金融科技咨询公司Kapronasia的数据显示,2017年有更多中国消费者从刷卡转向通过移动钱包应用扫描二维码,这令银行损失了200亿美元手续费收入。
Settlement fees are only part of banks’ overall revenue mix, which is dominated by interest income from loans.
在银行的总体营收组合中,占主导地位的是贷款的利息收入,结算手续费则只占一部分。
The bigger challenge to Chinese lenders, analysts say, comes from the way in which third-party payment providers are interposing themselves between banks and customers, depriving lenders of valuable data on consumption patterns.
不过分析师表示,中国的银行面临的更大挑战来自第三方支付提供商在银行与客户之间插一杠子的方式,这种方式令银行无法获得关于消费模式的宝贵数据。
Data are increasingly the new currency of choice in China as third-party payment providers move beyond payments to selling a wider range of products and services such as taxi-booking, movie tickets, and wealth management products, said Zennon Kapron, founder of Kapronasia.
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2020-09-15
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