比如eBay预计贝宝(PayPal)业务今年的“移动支付额将超过100亿美元。这令很多投资者感到激动,他们认为这表明贝宝可以将其业务从在线支付扩展至市场大得多的“店内支付(in-store payment)业务。
But what eBay refers to as 'mobile payments' are mostly just standard e-commerce transactions happening on tablets or smartphones instead of on a desktop PC. It is hard to get excited about PayPal's traditional e-commerce business mostly following consumers' changing Web habits.
但eBay所称的“移动支付不过是指主要发生在平板电脑或智能手机而非台式电脑上的标准电子商务交易。贝宝这项主要根据消费者网络使用习惯变化而改变的传统电子商务业务是很难让人感到兴奋的。
Ebay is experimenting with products more closely aligned with what most think of as mobile payments. For instance, it is allowing small merchants to accept credit cards on smartphones and enabling consumers to pay without physically swiping a credit card.
eBay正在尝试那些同大多数人所认为的“移动支付更相符的产品。比如,它允许小商户接受基于智能手机的信用卡,这样消费者不必实际刷卡就可以进行支付。
But Square is ahead of PayPal in working with small merchants to process cards. And while more retailers now accept PayPal, consumers need to enter a phone number and PIN, more cumbersome than simply swiping a card. So the impact of these initiatives is likely limited so far.
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