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

电子支付、人工智能和物联网将成为未来金融市场三大支柱

近日,万事达卡国际组织总裁兼CEO Ajay Banga在接受采访时表达了他对未来金融市场发展趋势的看法。他认为,电子支付、人工智能和物联网技术是金融市场在未来发展的三大支柱,对于加快信用卡公司的数字化进程,提高行业智能水平,构建信任纽带具有重要意义。同时,数据作为金融活动开展的源泉,其作用也将更加凸显。

Ajay Banga毕业于印度德里大学,2009年加盟万事达卡,成为该公司的总裁兼首席运营官,负责核心业务运营,包括全球及美国市场的客户关系、产品、服务、营销、技术和运营等业务,并在隔年正式出任万事达卡的总裁和首席执行官。

大数据与人工智能

对于万事达卡等支付机构来说,大数据无疑是他们核心竞争力和平台的基础所在。Ajay Banga表示,近十几年来,万事达卡已经逐渐建立起了一个完整、统一的用户数据库,为各项业务的开展提供了及时有效的参考依据。同时,万事达卡所收集的"数据"与阿里巴巴等电商平台所谓的"数据"侧重点有所不同。电商平台所看重的数据通常用于服务自身的消费业务,包括例如用户姓名、家庭状况、消费偏好等,而万事达卡所要收集的是围绕用户支付习惯、信用状况等方面的数据。

大数据的价值在于数据分析以及分析基础上的数据挖掘和智能决策,数据的拥有者只有基于大数据建立有效的模型和工具,才能充分发挥大数据的价值,而人工智能技术的出现更是加快了数据挖掘的进程。Ajay Banga表示,人工智能除了能够通过数据分析,识别业务发展趋势和模式,做出知道决策外,另一个重要作用在于提高支付公司的数据分析效率,降低相关成本投入,使支付公司全身心关注自身业务。

为了进一步加强公司在大数据市场上的竞争力,万事达卡在今年3月份成功并购生物识别公司NuData。

NuData是一家利用生物识别技术,来协助企业防范在线和移动诈欺的厂商,旗下的旗舰产品是NuDetect,借助分析移动装置、位置、生物和行为特征等信息,来判断并标记潜在诈欺者以及高风险用户,让店家和信用卡发卡机构能够做出接近实时的授权决策。

Ajay Banga表示,NuData的加入能够强化万事达卡的安全性策略,保障用户的每一笔交易,而且生物识别信息将提供更丰富的数据背景,为公司进一步开展其他业务提供依据。

物联网

自2015年以来,万事达卡加快布局物联网市场。与万事达卡签约物联网支付技术的公司包括给明星们设计服装的Adam Selman、汽车制造商通用汽车、专门研发可穿戴技术的Nymi,以及智能珠宝公司Ringly。Ajay Banga表示,随着越来越多的'物体'实现了互联,消费者们在付款方式上有了无限的可能性,无缝对接所有设备就成了一种需求。这项技术能够为几乎一切设备提供安全的电子化支付体验,打破了传统支付手段的种种限制。

物联网的发展无疑给人们的生活带来了极大的便利,然而Ajay Banga也强调称,对于还处于萌芽期的物联网,安全问题已经成为了其技术上的致命弱点,也是关乎物联网能否存活并成功应用于市场的关键。

据韩国产业研究院发布的报告显示,预计到2020年全球将会有208亿台设备与互联网连接,而因信息安全问题导致的经济损失将达到180亿美元。进入物联网时代以来,存在安全问题的领域不仅包括网络虚拟空间,也将涉及现实生活当。这意味着除了个人隐私泄露、经济损失以外,个人的生命安全以及国家基础设施也都将受到威胁。

面对如此严峻的安全问题,Ajay Banga认为电子身份识别技术是有效解决物联网安全问题的关键,也将是万事达卡未来在物联网领域的发展重点之一。

与互联网相同,物联网能识别用户和物体的一切信息都是用一组特定的数据来表示的。这组特定的数据代表了数字身份,所有对用户和物体的授权也是针对数字身份的授权。如何保证以数字身份进行操作的使用者就是这个数字身份合法拥有者,也就是说保证使用者的物理身份与数字身份相对应,电子身份识别技术的出现就是为了解决这个问题。作为物联网的第一道关口,它的重要性不言而喻。

除了基本的身份验证外,万事达卡此前还与Europay和Visa共同签署了物联网身份迷失验证标准EMV。该协议在用户进行登录验证上使用了时间戳值,这使得恶意攻击者不能使用早期的消息,可以防范重放攻击以及拒绝服务攻击;在认证和密钥协商阶段采用了用户、服务器、控制服务器三者之间的互相验证,并且在公共信道上对服务器密钥和随机值进行了分离处理,使得攻击者无法窃听到其他用户的安全信息。

Ajay Banga认为,在未来的金融市场,如何完善用户身份验证系统,保障支付流程的安全性,远远比支付业务本身要重要的多。

多层次的身份识别系统

近年来,基于生物识别技术的身份认证技术蓬勃发展,涵盖了语音、脸、指纹、手掌纹、虹膜、视网膜、体形、敲击键盘、签字等多种生物特征。其中,人脸和虹膜识别是万事达卡着重开发的认证技术。

人脸识别的优势在于其自然性和不被被测个体察觉的特点。但人脸识别技术难度很高,被认为是生物特征识别领域,甚至人工智能领域最困难的研究课题之一。

虹膜识别技术比其他生物认证技术的精确度高几个到几十个数量级。虹膜识别的缺点是使用者的眼睛必须对准摄像头,而且摄像头近距离扫描用户的眼睛,是一种侵入式识别方式,会造成一些用户的反感。

Ajay Banga表示,公司在人脸和虹膜识别方面已经取得了一定的进展,并与Samsung开展了合作,将相关技术成功应用到了该公司即将推出的Galaxy S8手机上。

目前,已有多家世界大型金融机构在南非开展生物识别技术的研发与测试工作,因为这项技术有利于提高支付行业整体的安全性。但Ajay Banga却对此并不乐观,他认为当越来越多的互联网设备在家庭和商业等方面的广泛应用,人们对便利性的盲目追求导致人们忽视隐私和安全。而万事达卡有责任在其中扮演一个"安全防护员"的角色。

此前,万事达卡已经为用户推出名为MasterPass的安全支付系统。用户在任何的外部购物网站进行消费时,都可以登录该系统进行支付操作。

面对世界金融市场的急速发展,Ajay Banga表示,万事达卡在未来的首要任务仍将是做一家纯粹的"支付机构",继续专注于开发先进的支付技术以及提高用户体验。

Data is really important.

That’s a simple declaration, but one that is core to MasterCard CEO Ajay Banga’s thinking around the credit card firm’s digital direction. It’s central to a philosophy of bringing increased smart capabilties that strenghten the provider’s relationship with its customers:

One of the things that my predecessors did many years back was to build a single unified data warehouse for the whole company and all our data flows into that and we’ve got a substantial warehouse where you can imagine people call it in terms of multiple size of the national weather laboratory."

What we have is data that does not include your name. I want to make sure people know that, because I’m not in the consumer business, I’m in the B2B2C business, not in the B2C business. So their names are not with me.

Assuming that data has been gathered and AI applied to it to identify trends and patterns, then that can guide decision-making. In pursuit of that sort of capability, MasterCard has recently bought a company called NuData. Banga explains:

NuData is a company that looks at the way you use that iPhone and how you hold it. So if you were to hold it differently from [one person], it will tell you this is not the same guy holding it. When he enters the password, the way he enters the password, it can tell you it’s a different guy entering the same password, and the fact that he types with two thumbs and then deletes 12 times, because you got fat thumb, is also something it will tell you.

IoT angle

As well as AI, Banga talks up an Internet of Things (IoT) angle on MasterCards’s strategic direction:

For most people, you kind of connect into things with your devices and you think that you’re safe and secure and you’re completely unsafe and insecure, if you’re not careful. You all go back into your beautiful cars and connect your phone and think that the Bluetooth is there and it’s great, because now you can call your wife and your husband and your child and shout at them. And you can shop for groceries while driving home and buy chicken and put on your oven to get to 350 degrees in the vision of the Internet of Things that every tech evangelist tells you about.

Banga it seems is none-too-impressed by such visions:

The issue is, first of all, why would you want to do that, whether in your house or whether in the car? Secondly, just a small matter, hacking into your Bluetooth is the easiest thing in the world for a kid of 10 years old. And from their [being] into your car, to then be able to change the way in which your car accelerates and brakes is not hard . If you don’t believe me, Google the topic and you’ll find real facts on that.

Ok, it’s a somewhat alarmist perspective, but what does it have to do with a credit card firm? Banga argues:

I’m saying that the Internet of Things is going to be a reality, because there is so much plus points around it from treatment of disease to managing older people, to managing the way your information is kept. There is no way you should hold it back. But you should go and enter into [the IoT] with eyes and ears open about the risk that comes with it and therefore the amount of data that will flow from every device. If your refrigerator starts talking to your toaster, well that’s a pretty large number of devices talking to each other.

All of this rather colorful preamble is bringing him round to his main point, which is the importance of authentication technology in a digtal world:

That’s where authentication come into play, completely different from the physical world, where the systems have been built for that safety. So EMV [Europay Mastercard Visa technical standard] was built for that, chip and pin, chip and signature. My view is that tokenization, it just one step in creating EMV type security in the digital world, because it creates cryptograms and one-time codes, and it doesn’t allow the card number to go anywhere, just one aspect.

But the whole authentication topic is the much bigger topic than what a payments company in its payment space will focus on. I just think there is a whole digital footprint, digital ID authentication issue that to me is also business opportunity for companies like ours, if we use our skills and capabilities to extend into that space.

Authentication

Nonetheless, it’s payments that are front and center for MasterCard, of course, and Banga pitches MasterCard tech offerings that address his concerns:

Selfie Pay, which is actually more reliable than even fingerprints being read, because you get more data points on a face. So when you get data points you can kind of actually do a good Selfie authentication or even further iris scanning, which Samsung is launching with us in their new Galaxy S8 phone, where not only will you will get Selfie Pay but you will get iris scanning capability to authenticate people.

There is a ton of these going on. Selfie Pay actually is gone live in a number of countries, starting with commercial payments and then headed into consumer payments. Biometric cards are being tested right now in South Africa and going into Europe and other countries, as we speak.

It’s important that MasterCard as a provider focuses on such concerns, adds Banga, as the customer won’t necessarily:

Most consumers value convenience over security, because they don’t understand the implications of this Internet of Things and the security needs that will come with it. I consider that to be a huge opportunity that will come up and also something that could be a drag on all our businesses in the digital space. If bad things happen, consumers lose trust and so it could be a drag as well.

This is a competive differentiator, he believes:

It’s completely focused on the consumer experience, while leaving the bank in control of the relationships with that consumer, just kind of what they want as well. So, digital-by—default, multichannel and now what you got to do and now what we’re going to do is build new features into the wallet, build acceptance for it, and keep and sending consumers to use. It’s the stuff that we do for a living with our regular payments.


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