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

[未央翻译]Fintech国际资讯周报|2017年第26周

eBay宣布超5万款商品启动最低价格保证

6月25日,eBay宣布全网超过5万款商品启动最低价格保证(Price Match Guarantee)策略,承诺将比其他竞争对手提供更优惠的价格,如果发现其他平台有更低的价格会退还差价。为了保证质量,eBay表示本次活动只包含全新、未开封的商品,这些商品通常会提供1折到8折的优惠。

eBay一直在努力扩大销售,吸引新用户,尤其是在面临亚马逊激烈竞争下。不过,2015年从支付网络PayPal分离出来之后,eBay展示出更大决心去实现这两个目标。eBay正专注于建立自己的市场业务,现在正在开发更多的方式来支持其网站上的卖家,其中包括11亿件在任何时候都打折的商品,还有说服更多的购物者去到店。新的价格匹配承诺与今年早些时候的两个类似项目相吻合。今年1月,eBay公司表示将在专业鉴定人员的帮助下,保证昂贵手表和手袋的真实性。

Samsung Pay宣布添加支持Discover信用卡

近日,三星官方宣布Samsung Pay正式支持Discover信用卡,同其他信用卡添加步骤相同,在这个过程中并不需要特殊的技巧或者手段。不过在Samsung Pay的兼容支持银行卡页面上依然没有更新,相信应该在下周之前会出现在该列表中。这里值得一提的是Android Pay和Apple Pay已经支持Discover信用卡。

像Android Pay,Apple Pay或Google电子钱包一样,Samsung Pay使用Near Field Communications将卡片信息安全地传送给零售商。然而,并不是所有的零售商都已经启动了他们的NFC系统,这可能会让顾客猜测。为了解决这个问题,Samsung Pay还使用了一种名为Magnetic Secure Transmission的功能,它与普通信用卡终端配合使用。

谷歌AI投资基金首次投资Algorithmia

近日,谷歌宣布创立一支新的风投基金,专注于投资AI和机器学习公司。该项目的首项公开投资是:领投西雅图创业公司Algorithmia规模达1050万美元的一轮融资。本轮的其他跟投者包括新投资商 Work-Bench,以及麦德罗纳风险投资集团(Madrona Venture Group),乐天创业投资公司(Rakuten Ventures)和Osage University Partners 。

Algorithmia 能够帮助开发人员轻松把算法转换为可扩展的网页服务应用,而且只需不到 10 行代码,就能把算法集成到自己的应用程序里。现阶段,该平台上拥有超过 3500 个算法、功能和机器学习模型类别,而且汇聚了超过 4.5 万名开发人员,其中绝大多数都是大学研究人员和个体程序员。

Android Pay在美新增60家银行和信用社

Google在2015年发布了配置NFC近场通讯技术的"一键支付"服务Android Pay。据外媒报道, Android Pay在美国地区进一步增长,近日在美国又新增了对60家银行和信用卡机构的支持,这也使得在美国境内支持Android Pay的发卡机构总数达到867家。

此前美国各大主要银行已经宣布与Android Pay开展合作,但此次新增的名单似乎主要由较小的银行和信用社组成,其中包括阿拉巴马信用社、科里登州银行、双星信贷联盟以及威尔逊银行与信托等。

Visa联手Netcents推动信用卡购买比特币

Netcents与Visa已经宣布达成合作共同推动使用信用卡直接购买比特币。Netcents是一家钱包服务供应商和支付处理商,为企业和个人提供加密货币产品。数月之前,Netcents刚刚与Mastercard达成相似的合作。Netcents位于加拿大温哥华,为全球194个国家提供 存款服务。根据该公司在加拿大金融交易和报告分析中心(FINTRAC)的注册显示,Netcents是一家货币服务企业。

与Visa和Mastercard的合作使Netcents能够提供以最简单的方式通过信用卡使用法币购买加密货币的服务。特别是这次的合作会对Netcents的woocommerce支付处理插件产生积极的影响,这个插件使在线商家可以接受所有法币信用卡支付,除了比特币和ETH支付。

支付宝宣布进入非洲市场

6 月 26 日,蚂蚁金服旗下应用支付宝今天正式宣布进入南非,旨在为中国游客提供服务。支付宝欧洲、中东以及非洲地区负责人 Rita Liu 表示,他们将与合作伙伴 ACI Worldwide 和当地公司 Peach Payments 一起,同时与当地旅行巴士公司 City Sightseeing 合作,使中国游客在当地的旅行体验更加便利。

除了中国本土之外,支付宝公司长期关注海外市场,在海外积极并购与投资。今年4月份,阿里巴巴收购了新加坡的支付平台helloPay,并在同月提出以12亿美元收购美国企业Moneygram的收购要约。而在3月初,这家中国企业巨头向印度的最大移动商务平台Paytm投资了1.77亿美元。支付宝首次进军非洲的理由是中国游客带来的巨大市场潜力。Liu表示,中国每年的国际旅客量约有1.35亿人次。

苹果停用澳西银行的快捷数字支付功能

今年 3 月份,澳大利亚西太平洋银行(Westpac)为其 Westpac Live 移动 App 添加了一个 Keyboard 支付功能。据悉该功能由创业公司 PayKey 研发,可应用于 Facebook Messenger、WhatsApp、Twitter、Snapchat 等社交软件上,让西太平洋银行的 iPhone 用户在进行社交活动的同时便利地进行各类转账操作。

但日前据媒体报道,在 7 月份的软件更新中,Keyboard 支付功能将会从 Westpac Live 的 iOS 版本中删除。西太平洋银行发言人表示,通过 Keyboard 在社交媒体内的转账功能将不包括在 Westpac Live 下个月的更新中。Keyboard 支付功能其实一开始已经获得了批准,但后来银行又被通知,它不适用于 App Store。

英国移动支付Yoyo钱包获得1200万英镑融资

近日,伦敦移动支付公司Yoyo Wallet刚刚完成了1200万英镑B轮融资,由美国批发、食品零售巨头麦德龙领投,英国Woodford Investment Management和Touchstone Innovations公司参投。这笔交易必须得到FCA的批准。这轮融资将帮助这家总部位于伦敦的公司扩大与英国零售商的合作关系,扩大该平台的移动支付规模,并帮助其欧洲扩张。

Yoyo Wallet于2013年推出,允许用户在应用程序上快速和简单地进行支付、订购,以及获得一个定制化的忠诚平台。与苹果支付和PayPal不同的是,零售业者使用YoyoWallet能够通过使用追踪客户消费习惯的功能,获得一个数据和营销的平台。

印度金融创企LoanTap获400万美元风险融资

印度专门为低薪人群提供在线个人贷款服务的提供商LoanTap Financial Technologies日前宣布,公司获得400万美元融资。本轮融资同时包含股权融资和债券融资,由Kae Capital领投,其它投资人包括India Quotient、IFMR Capital和MAS Financial Services。该平台将用户端口、贷款发放、贷款处理、贷款管理以及记录结合在一起,其风险分析功能让LoanTap的大部分信贷评估流程实现了自动化。

这家公司创立于2016年,是一家非银行金融公司(NBFC),它主要通过公司内部一体化的贷款处理平台来快速发放贷款。该平台将用户端口、贷款发放、贷款处理、贷款管理以及记录结合在一起,其独有的风险分析功能让LoanTap的大部分信贷评估流程实现了自动化。目前,平台每个月会收到5400次到6000次贷款申请,自公司成立以来,共计接到4.7万次贷款申请。

IBM与欧洲银行巨头合作,把区块链技术引入实际应用

IBM宣布,已成功竞标区块链贸易融资平台"数字商业链"。DTC由包括汇丰银行和荷兰银行在内的欧洲七大银行创立,旨在促进本地中小企业的国际贸易,预计将于今年年底上线。此举表明金融机构将首次把区块链技术投入到实际应用中,虽然过去几年该技术备受金融行业推崇,但投入应用尚属首次。

之前,富国银行、澳大利亚联邦银行和巴克莱银行等对该技术进行了实际测试。管理咨询服务公司埃森哲(Accenture)今年年初曾预计,到2025年,区块链技术每年可帮助全球8大投资银行节省80亿美元至120亿美元的基础设施成本。

普华永道:人工智能将帮助全球GDP大幅增长14%

普华永道的最新报告显示,人工智能可能让我们变得更富有。由于人工智能可以提高生产力,全球GDP可能在2030年之前增长14%,或额外增加15.7万亿美元。

在人工智能发展的过程中,北美地区的GDP增加将达到3.7万亿美元,增幅为14.5%。消费类行业将首先接受人工智能。不过普华永道预计,中国从这一趋势中受益最多,GDP增加将达到7万亿美元。制造业对中国经济非常重要。如果中国可以利用人工智能去进行产品生产,那么制造业将获得巨大飞跃。普华永道分析师预计,超过一半的资金流入将是消费者购物的结果。

日本最大零售巨头永旺支持虚拟货币支付

日本零售巨头永旺(AEON)和IBM日本正在为亚洲地区的消费者和企业创建一种区块链金融服务与支付平台。据了解,这个区块链平台将显著推进个人与企业之间的虚拟货币支付。该平台还将实现忠诚度积分的分配与赎回以及更加高效的交易数据管理。这个区块链平台的第一阶段最早在今年7月份在超级账本Fabric上开始试验。此外,这次试验将在超级账本Fabric上进行,Fabric是由Linux基金会监管的一种功能开源区块链框架。超级账本项目是一项旨在推动开源区块链解决方案发展的跨行业合作,而IBM是超级账本项目最早的成员之一。

同时,日本正在见证区块链快速崛起,日本政府正计划将全国所有的土地和房地产登记转移到这个国家支付平台上,可以说就是因为看到了去中心化区块链创新所带来的这种变革性变化。

电子支付公司Payscout推出VR电子购物程序

电子支付公司Payscout的新尝试是VR商务。在丹麦哥本哈根的Money20/20大会上,该公司宣布了一款VR电子购物程序--Payscout VR Commerce。"这是VR与电子支付的结合时刻,"Payscout的CEO Cleveland Brown说。"我们见过许多类似的VR购物原型展示,但这是第一次真正的VR购物体验。"

Payscout VR Commerce使用的是Visa的结算平台,所有Visa账户都可以通过该平台进行交易。在app内Payscout首先展示了他们和洛杉矶运动用品商Body Language Sportswear的合作,首先可以观看一段360度视频的短片,然后可以开始购物,与想象中无异,用户可以随意转动、放大缩小商品。Payscout VR Comemerce的app适用于谷歌Cardboard平台,已经支持Android。

支付宝与BBVA合作 进军西班牙市场

6月28日,西班牙第二大银行BBVA发表公报表示,该银行与阿里巴巴集团旗下蚂蚁金服签署合作协议,消费者在西班牙商业网点将可以使用支付宝付费。根据协议,对外银行将把支付宝平台融入其智能支付系统,新的支付业务适用于所有商业网点,已有智能支付业务的商家只需将服务系统更新即可。

对外银行表示,已在西班牙大型零售连锁店更新支付业务,并正在开发一项解决方案让支付宝在其他商家的支付平台上使用。近年来,到西班牙旅游的中国游客人数不断增长。去年,赴西班牙旅游的中国游客达58万人次,比上一年大幅增加并创历史新高。

欧洲最大时尚电商Zalando计划2020年收入翻倍

昨日,欧洲最大纯时尚电商Zalando SE提出在2020年底前将收入翻倍的目标。据数据显示,该集团2016财年实现36.39亿欧元的收入,同比增长23.0%,集团预计本财年可录得20%-25%的增长。现在Zalando SE首次列出中期目标,联合首席执行官Rubin Ritter在柏林表示要让收入在2020年达到72亿欧元。

为提高近年放缓的收入增速以达到市场的高期望,Zalando SE把其中一个策略重点放在B2B业务。上周五,该集团宣布Nike耐克和Hennes&Mauritz AB(HMb.ST)旗下Weekday等新品牌将入驻其于2010年推出"Partner Program(合作计划)",通过该计划Zalando SE担当交易平台的角色让第三方品牌自己管理库存、形象和销售。目前,该计划已经扩张至11个市场,吸引了170个合作伙伴和超过300个品牌。

阿里对东南亚零售商Lazada再投10亿美元,占股达83%

阿里巴巴和东南亚在线零售商Lazada Group今日联合宣布,阿里巴巴将再次对Lazada投资10亿美元。 去年4月,阿里巴巴已经对Lazada投资约10亿美元,获得其控股股权。如今,阿里巴巴将再投10亿美元,将其所持Lazada股份从51%提高到83%。在第一轮投资中,阿里巴巴为Lazada估值15亿美元,而这一次为Lazada估值31.5亿美元。

Lazada创建于2012年,总部位于新加坡,在马来西亚、印度尼西亚、菲律宾、泰国和越南设有办事处。在截至今年3月底的前12个月,Lazada拥有约2300万月活跃用户。Lazada在去年一直在扩大其产品,购买新加坡的在线杂货商RedMart,并与Netflix和Uber等公司结成会员计划。

eBay's New Price Match Guarantee Makes Sure Shoppers Get Lowest Prices On New Products

With the announcement on Wednesday that eBay will offer a price match guarantee on tens of thousands of new products in the U.S. included in its eBay Deals, the company appears to be trying to update its image.

Long known for connecting consumers with used and collectible merchandise, eBay is now highlighting its large inventory of new items, which currently make up 80% of all merchandise available on the site. Ebay Deals consist of more than 50,000 new products in categories ranging from consumer electronics to home and garden to fashion. Prices are typically 20-90% off retail and include brands such as Adidas, Ray-Ban, and Dyson, among others. (Source: forbes)

Samsung Pay now supports Discover cards

Discover card shoppers can finally use their credit card with Samsung Pay on their phones, two years after the credit card company announced that the card would come to the system.

A customer service representative for Discover confirmed that customers can now add their cards to Samsung Pay. Samsung unveiled its mobile payment system in 2015, and Discover announced at the time that support for the card would come in early 2016. However, that functionality was delayed until now, prompting some complaints from users. To get around this, Samsung Pay also uses something called Magnetic Secure Transmission, which works with a regular credit card terminal. (Source: the verge)

Algorithmia raises $10.5M Series A round led by Google's new AI fund

About a month ago, word spread that Google had quietly launched a new fund for investing into AI companies. Now this fund has made its first (or at least its first public) investment. Led by Google's VP of engineering for AI, Anna Patterson, this new fund is leading a $10.5 million Series A into Algorithmia, a marketplace and enterprise solution that allows developers to easily tap into its catalog of 3,500 algorithms, functions and machine-learning models.

Other participants in this round include new investor Work-Bench, as well as current investors Madrona Venture Group, Rakuten Ventures and Osage University Partners. (Source: techcrunch)

Android Pay Support Expands To 60 New Banks

Android Pay support has expanded to 60 new banks in the U.S., though it is worth noting that most of these are smaller banks and this has been the case for quite some time as most of the larger establishments have been support for a while. There are lots of users who bank at smaller banks and credit unions for many different reasons, whether it's because they're local or perhaps for some other reason. Included in the list of newly supported banks is Alabama Credit Union, Corydon State Bank, Generations Bank, Members Cooperative Credit Union, TwinStar Credit Union, and Wilson Bank & Trust. (Source: androidheadlines)

Netcents and VISA Team up to Offer Bitcoin Purchases via Credit Card

Netcents are a wallet service provider and payment processor that offers cryptocurrency products to businesses and private individuals. The announcement comes just months after a similar partnership was established with Mastercard. Netcents are based in Vancouver, Canada, but provides depositing services to 194 countries.

The partnership has particularly positive ramifications for Netcents' woocommerce payment processing plugin, which provides online merchants the ability to accept all fiat currency credit card payments in addition to bitcoin and ethereum payments. (Source: news.bitcoin)

Alibaba's payments app Alipay expands into Africa

Alibaba's payments app Alipay unveiled the latest step in its global expansion strategy Monday. The platform is to launch in South Africa with the intention of servicing Chinese tourists.

Rita Liu, head of Alipay EMEA, told CNBC's Street Signs that the firm would work with tour bus operator City Sightseeing, facilitated by its partner ACI Worldwide and local company Peach Payments "to enable Chinese tourists to purchase tourists more conveniently from City Sightseeing buses." "We see big potential in Africa," Liu added, saying that Alipay was actively looking for further areas of expansion across the world "where we see a Chinese footprint." (Source: CNBC)

Apple bans Westpac's Keyboard function

Apple has forced Westpac to pull its Keyboard payments function from its Westpac Live banking application for iPhones.

The Keyboard function was introduced in March this year, and allowed Westpac iPhone users to make payments from within certain chat apps - like SMS, WhatsApp and Twitter - using the keyboard. A six-digit cardless cash code is sent to a contact to enable a cash withdrawal from an ATM. Westpac touted the feature as an Australian first. It is available in Westpac Live on iOS and soon Android and Windows Phone, using technology developed by fintech start-up PayKey. (Source: itnews)

A payments app that tracks shopper loyalty has raised £12 million

Yoyo Wallet, an app that allows shoppers to make payments and earn loyalty rewards, has raised £12 million, bringing total investment in the UK startup to around £24 million. The latest series B round, announced on Monday, was led by German wholesale and food retail giant Metro Group, asset management company Woodford Investment Management, and tech investor Touchstone Innovations. It is still subject to FCA approval. Founded in 2013 and launched a year later, Yoyo operates in an increasingly crowded field of mobile apps that lets users pay for items with their smartphones. It also competes with Apple and Google, who have developed their own payment apps. (Source: Business Insider)

Online lending platform LoanTap raises $4 million in Series B funding

With new funds in its kitty, fintech startup LoanTap plans to bolster software and expand its footprint to tier 2 and tier 3 cities. The funding, a mix of debt and equity, was led by Kae Capital, India Quotient, IFMR, and MAS Financial Services along with angel investors.

Founded by ex-banking professional, Satyam Kumar and former tech professional, Vikas Kumar in 2016, LoanTap offers quick and cost-effective loan solutions to salaried professionals. The startup offers various loan products ranging from EMI-based loans to EMI-free loans to personal line of credit. With an in-house NBFC platform, which disburses loan directly, LoanTap has made availing loans, a simple and hassle free process for borrowers. (Source: techgig)

IBM to build banks' trade finance blockchain

IBM is building a blockchain-based platform for seven big European banks, including HSBC and Deutsche Bank, that is aimed at simplifying trade finance transactions for small and medium-sized companies. Trade finance was identified by a survey of banks carried out by IBM and the Economist Intelligence Unit last year as one of the top areas where blockchain - the underlying technology behind Bitcoin - could have an impact. Blockchain technology provides an electronic record-keeping and transaction-processing system, which lets all parties track documentation through a secure network and requires no third-party verification. (Source: itnews)

AI to drive GDP gains of $15.7 trillion with productivity, personalisation improvements

Global GDP will be 14% higher in 2030 as a result of AI - the equivalent of an additional $15.7 trillion. This makes it the biggest commercial opportunity in today's fast changing economy according to new research by PwC.

AI will contribute $15.7 trillion to the global economy in 2030, more than the current output of China and India combined. The greatest economic gains from AI will be in China (26% boost to GDP in 2030) and North America (14.5% boost), equivalent to a total of $10.7 trillion and accounting for almost 70% of the global economic impact. (Source: PwC)

IBM, AEON to Build a Digital Currency-Friendly Blockchain Payments Rail for Asia

AEON, Japan's largest retailer, also offers a slate of financial services including banking, credit and micro-finance to customers in Japan and 11 other Asian countries through its financial arm.

Now, AEON Financial Service is building a blockchain-based financial platform with IBM Japan to enable financial inclusion in a number of underserved countries in the region. The blockchain platform will notably facilitate virtual currency payments between individuals and businesses. The platform will also enable the allocation and redemption of loyalty points and more efficient transaction data management. (Source: cryptocoinsnews)

Payscout VR Commerce makes in-VR payments a reality

Payscout has launched an application that enables easy payments inside virtual reality experiences. At the Money20/20 conference in Copenhagen, Denmark, Payscout unveiled Payscout VR Commerce, which enables consumers to shop and purchase physical products while still in VR.

The Payscout VR Commerce app is integrated with Visa Checkout (VCO), which allows users to register payment credentials within the digital wallet or access their existing Visa account. The integration of Visa Checkout, tied to an immersive 360-video experience and offering the opportunity to explore merchandise in a virtual store. (Source: yahoo)

BBVA brings Alipay to Spain

Responding to the growing activity in this niche market, BBVA has just signed an agreement with Ant Financial Services Group, a sister company of Alibaba, to allow Chinese tourists to pay for their purchases in Spain using Alipay, the world's largest online and mobile payment and marketing platform. "This agreement is a great opportunity to service this growing market of visitors to Spain while allowing Spanish stores to promote sales and special offers directly to Chinese tourists," said Head of Business Development and New Ventures at BBVA. The BBVA Group is the first Spanish financial institution to cooperate with Alipay for mobile payment services. The new partnership is overseen by the Group's New Digital Business (NDB) area. (Source: BBAV)

Zalando seeks to double revenue by 2020

June 16, Zalando wants to double in size by 2020, it's co-chief executive said on Friday, as Europe's biggest pure online fashion retailer announced new partnerships with Nike, H&M Weekday brand and the Bestseller group.

"The target is to double the company again by 2020," Rubin Ritter told a media event. A spokeswoman said Zalando aimed to double from the 3.6 billion euros ($4.02 billion) in sales reached in 2016. Zalando executives also announced new deals to integrate more of Nike's stock on its website, as well as to add the Weekday brand from H&M and to provide logistic services for Bestseller, which has brands including Vero Moda. (Source: yahoo)

China's Alibaba boosts stake in SE Asia online sales

Chinese e-commerce giant Alibaba said Wednesday it would inject another $1 billion into Southeast Asia's Lazada, as the cashed-up company increases its stake in the region's nascent online shopping market.

The investment will raise Alibaba's holding in Lazada to 83 percent from 51 percent and take its total outlay on the company so far to more than $2 billion. "The e-commerce markets in the region are still relatively untapped and we see a very positive upward trajectory ahead of us," said Alibaba chief executive Daniel Zhang, estimating only three percent of Southeast Asia's retail sales are conducted online. (Source: yahoo)


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