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[未央翻译]Fintech国际资讯周报|2017年第25周

全球用加密货币的人超过300万

近期由剑桥创新金融中心发布的报告显示,人们对加密货币的认知程度比想象的更广泛。据估计,超过300万人正在积极挖掘、积累和储存加密货币。这与此前的估计出入较大,当时的预估数据为100万人左右。为得出这一结论,剑桥创新金融中心分析的数据来自38个国家的上百家公司,涵盖大约75%的加密货币。

随着越来越多的公司将比特币视为一种支付方式,围绕货币本身的态度也会改变。人们不把它看作一种类似股票的投资,更把它当做真正的货币。对于非营利组织而言,商业市场的接受度增加也是一个积极迹象,他们更倾向于接受比特币捐赠。尽管这种情况仅仅始于2014年,但现在许多非营利机构认为比特币优于现金,是一种额外的收入来源。此外,一些第三方交易机构甚至为非营利组织提供无偿兑换服务,也大大简化了海外捐赠的流程。

亚马逊收购全食超市 拓展零售版图

近日,亚马逊发布公告以每股42美元现金收购全食超市,总价约137亿美元,该价格较后者收盘溢价约27%。据悉,此次收购仍等待全食超市的股东批准以及监管部门的审批,预计在2017年下半年完成。亚马逊表示,全食超市是美国最大的天然食品和有机食品零售商,收购后仍将以原有品牌运营,CEO也会继续留任,但外界猜测,全食超市将接入亚马逊巨大的电商生态系统,并和亚马逊开设实体书店一样,对亚马逊线上系统进行优化和补充,巨资收购标志其开始大举进军线下零售业。

受上述消息影响,在上周五美股交易时段,亚马逊和全食超市的股价急剧拉升,其中全食超市的股价收涨近29%,创2009年以来的最大单日涨幅。亚马逊的股价收涨2.4%,券商Nomura Instinet还将亚马逊目标价由975美元上调至1100美元。

Kickstarter推出Gold计划

6月21日,知名众筹平台Kickstarter推出了Kickstarter Gold计划,将那些精品众筹产品再次上架,供用户支持。Kickstarter Gold计划是将已经众筹成功的备受欢迎老项目,经过更新、迭代或者改进完善后重新向众筹支持者们推出,并提供更优惠的价格,回馈平台上的支持者们。

据悉,首批登陆Gold计划的项目将会有50个,预计会在7月底扩充至65个。这些参与Kickstarter Gold计划的项目均会标上"Gold"标签,用户可以放心支持。Kickstarter内容和策划总监表示:"Kickstarter Gold计划代表了公司最近的创造大家希望的Kickstarter的理念。"简单来说就是那些已经成功的众筹产品重新回到Kickstarter,以更好的价格提供更好的服务的形式,是个支持者们收好货的机会。

加拿大美信银行信用卡支持 Apple Pay

6月20日,加拿大美信银行(MBNA Canada)宣布该行发行的万事达信用卡和 Visa 信用卡将支持苹果的移动支付服务 Apple Pay。目前,多个iPhone 用户已经成功在 Wallet 应用中激活了加拿大美信银行发放的信用卡。苹果还将包括道明加拿大信托银行、蒙特利尔银行、帝国商业银行和皇家银行等在内的多家加拿大银行列入 Apple Pay 的支持名单中。

加拿大美信银行于 2011 年被道明银行集团收购,当时这家银行已经拥有 180 万个活跃账户,他们主要提供与运动团队、大学、慈善机构以及其他团体相关的信用卡,比如多伦多蓝鸟棒球队、麦吉尔大学和加拿大野生动物联合会等。

印度承认比特币合法地位

6月20日,印度政府宣布承认比特币合法地位,并决定成立特别工作组制定比特币监管规范。比特币本周以来上涨33%,重回2700美元。有分析指出,印度比特币交易比重正在迅速上涨。印度三大交易所包揽了全球约11%的以美元计价的比特币交易,且该地区的交易量一直在上升。在上周暴跌30%之后,比特币在过去三天又上涨了超33%。印度此前承认比特币合法,引发当地比特币交易所需求激增。

事实上,印度一直是比特币交易的重要地区,分析师兼领导ARK投资区块链产品的Chris Burniske曾透露,印度比特币交易市场包揽了全球约11%的以美元计价的比特币交易,并且指出印度地区的比特币交易量一直在上升。

PayPal新增即时提现到账选项:每笔额外收0.25美元

6月21日,PayPal宣布现有转账服务新增"即时提现"选项,用户在使用PayPal或者Venmo(PayPal旗下的移动支付服务)进行提现时候只需要额外支付0.25美元,那么就能在数分钟时间完成转账,而不再需要等待一天。目前Square Cash即时转账需要支付1%的费用,而PayPal的即时转账则是每笔支付0.25美元,后者明显在转账大金额方面有更大的优势。

PayPal逐渐从Visa和MasterCard的竞争者角色过渡到合作者角色。过去几年,PayPal鼓励用户将他们的银行帐号绑定到服务上,从而将尝试建立庞大的支付网络。而在去年7月,PayPal宣布和Visa建立合作,去年秋季和MasterCard建立了合作。

瑞典在线支付系统Klarna获银行执业执照

本周一,瑞典金融科技行业领导者Klarna公司宣布收到瑞典金融监管委员会颁发的银行执业执照,据申请时间过去了20个月。Klarna目前估值超20亿美元,占据了北欧和德国电子支付市场绝大部分份额,这家瑞典企业称想要像瑞典廉价航空瑞安航空公司给航空业带来的影响一样,以低成本颠覆金融科技行业。

欧美金融科技集团,比如SoFi和Zopa也在申请银行执业执照,但只有Klarna凭着其欧洲各国的6000万客户,130亿欧元交易量成为其中最大的一家企业。去年这家企业收益达到4.1亿美元,在2015年的一轮融资中被估值22.5亿美元。Klarna计划向欧洲客户提供像银行卡和工资账户这样的服务,同时也想要在美国进一步扩大业务。

印度版微信Hike学微信推"红包"功能

印度本土聊天应用Hike本周二宣布对其应用进行全面升级,新增了一个允许用户相互转钱的移动钱包服务。Hike钱包(Hike Wallet)有多个功能,包括与政府支持的同意支付界面挂接,即使接收方不使用Hike应用也能进行免费和即时的银行间转账;还支持充话费等其他支付费用。此外,Hike还推出了Blue Packets功能,它是一种个性化数字信封,用户可以通过它互赠货币礼物,类似于中国的红包。Hike的CEO Kevin Bharti Mittal在接受采访时表示,Hike新增的BluePocket受到了微信红包的启发。

Hike成立于2012年,并在2016年完成了腾讯领投的1.75亿美元融资,当时估值为14亿美元。Hike目前已经有超过1亿注册用户,占印度总人口的近十分之一,用户平均每天花在Hike上的时间大约为24分钟。

美国净菜电商Blue Apron拟上市 融资最高将5.87亿美元

根据周一提交给美国证券交易委员会的文件显示,美国净菜电商Blue Apron计划上市最高融资5.865亿美元。该公司称,它将会销售3000万股股票给投资者,IPO价格区间为15美元和17美元。另外,它还准备了3450万股额外的股票,以备需求超过预期的情形出现。

Blue Apron公司负责给订户寄送定制的食材和菜谱。公司财报显示,从2014年到2016年,它的亏损额每年都在加大。要是因为它在市场营销方面的投入太大,包括在播客上做营销。在2016年,该公司又将其营收的18.1%(约合1.441亿美元)用来做营销。据统计,在今年第一季度,大约有100万个用户付费定制Blue Apron食材,而在去年同期约为64.9万。

沃尔玛斥资3.1亿美元收购男装电商Bonobos

6月17日上午消息,沃尔玛今天宣布斥资3.1亿美元收购男装电商网站Bonobos,希望继续打造在线时装业务,以期在电子商务领域赶超亚马逊。

该交易是沃尔玛电子商务整体发展战略的一部分。在收购Bonobos之前,沃尔玛还在在线时装领域完成了另外几笔收购,包括2017年3月对Modcloth的收购,2017年2月斥资5100万美元收购户外用品零售商Moosejaw,2016年3月收购Hayneedle,以及7000万美元从IAC手中买下鞋履零售商ShoeBuy。很多交易都是受到该公司2016年斥资30亿美元收购Jet.com的促进。身为全球最大实体零售商,沃尔玛一直在寻求各种方式做大电子商务业务,希望与亚马逊竞争,该公司将时装列为发展重点,并把年轻用户视作这项战略的核心。数据显示,沃尔玛上季度电子商务零售额增长63%。

Three Million Active Cryptocurrency Users Says Cambridge Center for Alternative Finance

A recent study conducted by the Cambridge Center for Alternative Finance has set the number of active cryptocurrency users across the world at 3 million. It includes people who use either one or more cryptocurrencies that are currently available in the market.

A resulting report from the recently conducted Global Cryptocurrency Benchmarking Study includes data collected from over 100 cryptocurrency companies spread across 38 nations, which makes up for about 75 percent of the crypto-industry. With the help of this data, the organization has presented the statistics regarding the size of cryptocurrency community for the first time since Bitcoin's inception in 2009. (Source: Newsbtc)

Whole Foods stock rockets 28% on $13.7 billion Amazon takeover deal

Shares of Whole Foods Market rocketed 28 percent on Friday after Amazon said it plans to acquire the grocery store chain for $42 a share, in a deal valued at $13.7 billion. Amazon's offer represents a 27 percent premium to Whole Foods' closing price on Thursday. With Whole Foods shares trading around Amazon's offer price, investors appear to be speculating that another suitor could make a play for the grocery chain. "This partnership presents an opportunity to maximize value for Whole Foods Market's shareholders, while at the same time extending our mission and bringing the highest quality, experience, convenience and innovation to our customers," John Mackey, Whole Foods' CEO, said in a statement. (Source: CNBC)

kickstarter to Launch Gold Project

From June 20 through July 31, we're spotlighting new projects by exciting artists and makers who use Kickstarter to sustain their creative independence. Because repeat creators are an integral part of the Kickstarter ecosystem. In fact, a third of all pledges to successful projects -over $1 billion since 2009 - go toward projects by creators who have run two, three, four, or even 100+ projects.

We selected Kickstarter Gold creators for their creativity, ingenuity, and success using the platform. They'll be making new works inspired by their past projects, so backers can discover extra-amazing ideas, plus special rewards that aren't available anywhere else. (Source: kickstarter)

MBNA Canada Now Supports Apple Pay

MBNA Canada, a division of TD Bank Group, today launched Apple Pay support for its MasterCard and Visa credit cards. Multiple iPhone users have successfully activated an MBNA-branded credit card in the Wallet app today, as reported by iPhone in Canada.

Apple has also added MBNA to its list of Apple Pay participating issuers in Canada, accompanying TD Canada Trust, BMO, CIBC, RBC, Scotiabank, Tangerine, Desjardins, HSBC Canada, PC Financial, ATB Financial, Canadian Tire Financial Services, and non-bank-issued American Express cards. (Source: macrumors)

Indian Government to Monitor Bitcoin before Deciding If Regulator Is Needed

Representatives of various Indian government departments have made statement regarding the Indian government's inquiry into virtual currencies. The statements clarify that Indian officials will first monitor cryptocurrency before determining if regulators are needed, and elude to the possibility that bitcoin may be recognized as a form of payment. However, India presently does not have a regulatory framework pertaining to the use of cryptocurrencies and does not wish to rush into the implementation of a juridical apparatus for virtual currencies. (Source: news.bitcoin)

Account with PayPal

In that same spirit, PayPal users in the U.S. will soon be able to instantly transfer money to their bank accounts via eligible debit cards linked to their PayPal account. This new feature is another benefit to our customers that we're able to make possible through the partnerships we announced last year with Visa and Mastercard and our closer working relationship with the bank and card issuing ecosystem. As always, funds in your balance are immediately available to use when shopping with PayPal, and there is no charge to transfer funds directly to your bank account through our original bank transfer functionality, which typically takes one business day. Our new transfer option will be available for a nominal fee of $0.25 per transfer. (Source: Paypal)

Sweden's Klarna gets banking license

Swedish payments firm Klarna, one of Europe's most highly valued tech startups, said on Monday, it had received a banking license from Sweden's financial watchdog. While the company would not comment on immediate plans, the banking license that is valid across the European Union gives it an opportunities including the possibility to issue credit cards and other retail banking services.

Klarna which manages payments for e-commerce companies, handles 450,000 transactions per day according to its website. A spokesman for the Financial Supervisory Authority confirmed the company had been given a license to operate as a bank. (Source: Nasdaq)

Indian messaging unicorn Hike moves into payments, taking notes from Tencent's WeChat

India's home-grown instant messaging service Hike on Tuesday announced wide-ranging updates to its app, including a new mobile wallet that lets users send and receive money instantly.

The Hike Wallet has several features, including a linkage to the government-backed unified payments interface that allows free and instant bank-to-bank money transfer, even if the recipient does not use the Hike app. UPI is a system that was developed by the National Payments Corporation of India which allows a single mobile application to access different bank accounts in a safe and secure environment. (Source: CNBC)

Blue Apron will raise $587M in its IPO, valuing itself close to $3B

Blue Apron, the meal ingredient delivery service that filed to go public earlier this month, has just priced its IPO. The company will price its shares between $15-$17, hoping to raise a maximum of $586,500,000. Using a $16 midpoint, this pricing gives the company a proposed valuation of just under $3 billion.

The company will be listed on the NYSE under the symbol "APRN", and is expected to go public on June 28th. The 30 million shares issued during the offering will be newly created Class A common stock, with one vote per share. (Source: techcrunch)

Walmart acquires menswear online retailer Bonobos

Walmart is buying menswear online seller Bonobos, intensifying retail competition with Amazon on the same day its archrival announced its acquisition of Whole Foods.

The nation's largest retailer said Friday that it would pay $310 million for Bonobos, which also has 35 brick-and-mortar shops, as it continues to scoop up niche retail sites. The move was immediately overshadowed by Amazon's seismic acquisition of Whole Foods, sending Walmart shares down 5.2% in early trading to $74.84. But it reflects Walmart's bid to grow its customer base into niche areas where its stores are not as strong. The company said it would offer Bonobos brands through its recently-acquired Jet.com division and "possibly other Walmart brands in a variety of countries over time." (Source: USA today)


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