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电商巨头亚马逊正式获得印度支付牌照

日前,世界电子商务巨头亚马逊宣布获得印度储备银行(RBI)颁发的预付费支付工具(PPI)牌照,意味着公司旗下的支付程序Amazon Pay将正式进军印度支付市场。进入2017年以来,已有多家互联网公司瞄准印度支付市场,此前,WhatsApp就曾透露将于今年在印度上线支付功能。获得支付牌照将极大的帮助亚马逊改善印度用户的支付体验,从而提高在印度电商市场的竞争力。

亚马逊支付事业部在印度地区的负责人是前花旗银行执行行长Sriram Jagannathan,他于近日介绍采访时表示,Amazon Pay将通过简化用户身份验证流程,降低操作难度等方式改善支付平台,提高用户体验,以在印度大规模的推行数字支付方式。

近年来,印度的工业市场,特别是高新技术产业正在飞速发展,其中,该国庞大的人口数量发挥了关键的作用。金融科技产业更是展现了极大的发展潜力,吸引了来自阿里巴巴、三星等国际集团的大量资源。随着印度人均收入和智能手机普及率的提高,支付产业的变革迫在眉睫。

去年12月份,亚马逊曾在印度引入Amazon Pay。当时,亚马逊通过礼品卡提供商QwikCilver为当地用户提供服务,而现在亚马逊可能会将礼品卡等业务整合到Amazon Pay。

然而,印度支付市场正面临着及其激烈的竞争,印度最大移动支付和商务平台Paytm目前拥有用户数量已经超过2亿,并于此前获得了阿里巴巴的支持。而在获得支付牌照后,Amazon Pay能否打破印度原有的支付格局还难以预测。

In another attempt to secure a firm grasp on the Indian market, Amazon has turned towards mobile wallets for its next venture. The e-commerce behemoth has obtained a license from the Indian Reserve Bank (RBI) for the operation of a prepaid payment instruments (PPI).

Heading the payments division of Amazon India is former Citibank executive Sriram Jagannathan. The Vice President said about the recent license:

“RBI is in the process of finalising the guidelines for PPIs. We look forward to seeing a continuation of low-limit wallet dispensation with simplified KYC and authentication. This will allow us to help customers adopt digital payments at scale.”

India’s large population presents the country as a prime emerging market for most industries, especially technology. One of the many markets with this great potential is financial technologies. The high rate of cellphone usage combined with the increase in average income means that people in India will be looking for an easy way to manage their money.

In December, Amazon launched Amazon Pay Balance. This payment option is similar to a mobile wallet, but it restricted to only transactions of Amazon. It is expected that the new RBI license will be linked with Amazon Pay.

Jagannathan made a statement on the Amazon Pay platform:

“We recently launched Amazon Pay where customers can fund their pre-paid balance using internet banking and credit/debit card for smooth purchases and payments. We will continue to improve customer experience and increasing digital payments leveraging our PPI licence.”

However, it is still unknown if Amazon Pay will be opened to other platforms after the license is formally obtained. The acquisition of this license should help better position Amazon in rapidly growing Indian Fintech market.


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