最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

Stripe:立志做互联网支付领域的“谷歌”

国际资讯基于互联网平台的金融业务

Stripe:立志做互联网支付领域的“谷歌”

Stripe是一家英国科技公司,为企业接收、管理在线支付提供应用程序编程接口及工具。截至目前,Stripe已获CapitalG、VISA、American Express等公司投资,在共同创始人Patrick 与John Collison带领下,该公司正逐渐成为金融科技行业最具创新精神的公司之一。

Stripe如何在支付行业脱颖而出?

Stripe的基本目标是为了提高互联网业的经济总值。该公司以加速支付业全球化为出发点,通过互联网和技术助力技术公司创业起步,并帮助它们在互联网业做大。

Stripe已经在英国运营了几年,英国也是该公司在美国以外最大的市场。英国市场上创业公司,尤其是金融科技公司高度集中,所以Stripe在英国的运营也是效果卓著。许多英国创新公司如Zopa和Monzo都在Stripe基础上建立起来,还产生了一些像Deliveroo这样遍及全球的外卖平台。这些成果正是Stripe在英国获得成功的良好驱动力。

Stripe主要关注开发者、创业公司、金融科技社区,对大型组织尤其感兴趣。其目标不仅包括初次涉足在线电子商务的企业,也包括正在运用新产品进行改革、获取市场新渠道的成熟公司。ASOS Marketplace正是证明这一点的绝佳例证,它展示了一家成熟的零售商如何通过技术创造靠近新增市场消费人群的渠道。

除金融科技外,Stripe对其他纵向比较目标有何看法?

作为一个公司,Stripe的核心目标是实现商务活动大规模在线化。互联网产生已经差不多25年,但仅仅有5%的全球商业活动在网上完成,这一点非常不正常。

Stripe认为,不同行业和纵向比较领域与这一全球大背景冲突。如今不管是全球信息流通,还是个人、公司社交媒体平台交流都方便简单,但过去人们想要达到相同水平、无障碍汇款却困难重重。

而这一难题不是金融本身的问题,而是设计和代码的问题。作为一家科技公司,Stripe决心把我们的平台提供给这些公司,帮助他们建立自己的商业,让他们与世界金融基础设施完全接轨。

Stripe全球市场增长情况

通常,Stripe会按照国际发展趋势,将目标市场牢牢锁定世界创新中心。

世界创新中心很少,主要有旧金山湾区、伦敦、最近势头强劲的新加坡、斯德哥尔摩、巴黎等。Stripe认为全球发展正值大好机会,并相信开发者也在改变这个世界。

联合创始人John和Patrick Collison建立在线商业时,亲身体验了这一难题,这也是Stripe建立的核心原因。

所以Stripe认为,在线支付领域是互联网最后一个“谷歌”级难题,就像谷歌建立了公平公开的世界信息平台,脸书连接了全球社交活动,Stripe正在建立相似的全球金融基础平台,让人们在世界上任一地点都能够无缝转账汇款。

Stripe面临的主要问题有哪些?有哪些应对难题的方案?

对此Stripe方面表示,该公司取得成功面临的挑战主要不在Stripe公司本身,更多的是有关经济环境和技术环境。

过去,Stripe把支付看做是一个起始点,但对企业创业来说,除了技术和支付方式外,还有其他许多阻碍因素。Stripe去年推出了Atlas帮助公司初始创业。平台提供业务主要有:公司合并、无障碍设立银行账户、为公司提供如法律、税务、会计等创业需要的基本专业服务。Stripe运用技术解决这些问题,不仅是为了帮助公司创业,也是为了加速汇款业务全球化发展。

Stripe is a US-based technology company that provides APIs and tools to enable businesses to accept and manage online payments. With investments from the likes of CapitalG, VISA and American Express, co-founders Patrick and John Collison have led the business to become one of the most innovative companies in the fintech industry.

How does Stripe stand out in the payments industry?

We have a fundamental goal to increase the GDP of the internet. We’re passionate about helping technology businesses get started and scale online, with a view to accelerate the globalisation of businesses through the internet and technology.

We’ve been operating in the UK for a few years and it’s our largest market outside of the US. We’ve had a particularly good run in the UK which is due to the strong concentration of start-ups in the market, especially in the fintech sector. There are incredibly innovative companies that are built on top of Stripe, such as Zopa and Monzo, and some that are on-demand platforms with global reach such as Deliveroo. These conditions have been particularly good drivers of our success in the UK.

Whilst our focus is primarily on developers, start-ups and the fintech community, increasingly what we’ve seen is interest from larger organisations. It’s either businesses that are taking a foray into online e-commerce for the first time, or established companies who are going through a process of re-inventing themselves with new products and channels to the market. ASOS Marketplace is a great example of how an established retailer is looking to technology to create a new channel to reach a new demographic in the market.

How does Stripe think about other verticals to target in addition to fintech?

The core of what we’re doing as a company is to shift a great percentage of commerce to online. It’s bizarre that the internet has been around for 25 years, yet only 5% of global commerce is happening online.

When we think about different industries and verticals we think of it against this global backdrop. It’s extremely easy for information to flow around the world, easy for individuals and businesses to communicate seamlessly through social media platforms, yet historically it’s been difficult for people to send each other money in an equally seamless way.

We see this as a problem in design and code rather than finance. As a technology company, we’re determined to offer our platform to help companies build their businesses and give them seamless access to the world’s underlying financial infrastructure.

“Typically how we think about international growth is to anchor ourselves around the world’s innovation hubs”

What’s your largest growing geographical market?

We’re growing fast globally which is great. Typically, what we’ve done in terms of how we think about international growth is to anchor ourselves around the world’s innovation hubs.

There are few of those; the bay area in San Francisco, London, increasingly Singapore, Stockholm, Paris and others. We’re seeing great opportunities for growth internationally and we fundamentally believe that developers are changing the world. We’re very well aligned with this notion, and give them the tools they need to globalise and monetise their fantastic ideas, and not be concerned about how they’re going to manage the complexity of integrating to the world’s financial infrastructure.

Co-founders John and Patrick Collison experienced this problem first hand as they built businesses online, and that’s really at the heart of why Stripe was born.

We see the world of online payments as really the last Google sized problem on the internet; in the same way that Google organises the world’s information and makes it available in a democratic way, similar to how Facebook has connected the world socially, Stripe is about building the equivalent of this in global financial infrastructure and enabling people seamlessly to exchange money anywhere in the world.

What are the main challenges you face and how do you overcome them?

The challenges that we see to our success are less about Stripe as a company, and more so about the economy and technology ecosystem. We exist to help more technology businesses get started and solve the problems we’ve seen in the past.

We’ve geared ourselves to looking at that with payments as a starting point, but there are other inhibitors for businesses getting started beyond just tech and payments. We launched Atlas last year which is geared towards getting businesses started. The platform is about incorporating businesses as companies, getting a bank account set up seamlessly, giving access to the basic professional services such as the legal, tax, and accounting that they need to get started. Our technology takes care of this to not only help companies get started, but also accelerate the globalisation of the business.


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