Kapronasia创始人曾农•考普龙(Zennon Kapron)表示:随着第三方支付提供商超越支付业务、销售约车、电影票和理财产品等多种产品和服务,数据在中国正日益成为人们首选的新货币。
Banks are starved of the critical transaction data that would help them to provide competitive products and services.
银行急需会帮它们提供有竞争力的产品与服务的关键交易数据。
Most users of Alipay, and rival WeChat Pay owned by Tencent, fund their payments by linking their traditional bank accounts to mobile wallet apps.
支付宝及其竞争对手微信支付(WeChat Pay,隶属于腾讯(Tencent))的大多数用户,在支付时所用的钱都来自于与其移动钱包挂钩的传统银行账户
That means traditional bank deposits are still the ultimate source of funds.
这意味着,传统银行存款仍是资金的最终来源。
But when a consumer uses Alipay or WeChat for payment, banks do not receive data on the merchant’s name and location.
然而,当消费者用支付宝或微信来支付时,银行不会接收到关于商户名称和所在地的数据。
Instead, the bank record simply shows the recipient as Alipay or WeChat.
银行的记录只会显示收款方是支付宝或微信。
The loss of data poses a challenge to Chinese banks at a time when their traditional lending business is under pressure from interest-rate deregulation, rising defaults, and the need to curb loan growth following the credit binge.
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2020-09-15
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