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

不用流量就能看新闻、转账、发消息?这家公司说可以

国际资讯基于互联网平台的金融业务

不用流量就能看新闻、转账、发消息?这家公司说可以

印度移动通讯服务商Hike最近推出了新服务Total,这项服务让印度的Android用户能够在不使用移动数据的情况下,即可向商家付款、转账、阅读新闻、预订火车票、与平台上的联系人聊天。

这家公司声称其平台拥有1亿用户,Total项目研究已经花费了六个月,其目的是为首次使用移动互联网的人提供基本服务,并最终让他们能够在线体验Hike 信息的所有服务。这一服务实际上极富独创性。

首席执行官Kavin Mittal接受TNW采访时表示,尽管印度的移动数据公认全世界收费最低,印度也有约4亿的智能手机用户,但其中约有2亿人很少或根本不使用手机网络。接下来的几年里,他们有机会与这部分用户产生联系。

如何不使用移动数据完成支付、接收新闻、发送消息Hike的工程师基于非结构化补充数据业务(USSD)技术搭建了所谓的通用传输协议(UTP),多年来每一部全球移动通信系统(GSM)手机都使用USSD技术,无需3 G、4 G数据就可以传输运营商内容,该系统让你的安卓手机SIM卡(用户身份识别卡)工具箱运行,也让你通过拨打运营商特定号码就可以查询手机流量余额。

此外,它利用USSD技术快速传输小数据包扩展了Total的服务范围,其中包括星座、体育比赛比分、Hike数字钱包权限。除了允许用户通过旗下数字钱包付款,它还允许用户通过印度全国通用支付接口(UPI)协议在银行账户之间免费转账。

Hike已经与几款本地手机制造商合作,将UTP嵌入Android平台中,仅依靠不需要用户花钱的USSD协议,就能让用户体验到上述服务,而且感觉上与任何一个使用数据的现代应用没什么不同。

构建UTP只是Hike商业拼图的第一块。为了方便人们使用Total,Hike已经把这项服务预装入Intex和Karbonn廉价手机中,所以只要第一次完成Android设备安装,它就会加载启动。只要使用电话号码,就可以登录Total,一旦完成KYC(充分了解你的客户)注册流程,Hike钱包里就会送200卢比(3美元),可用于购买移动数据包或向朋友汇款。

此外,Hike还与印度主要运营商Airtel、Aircel及BSNL合作,通过Total提供低价数据套餐,4G流量价格为20MB/1卢比 (0.02美元)。使用Total时,诸如查看媒体新闻图片或发送图片等功能将会促使用户购买数据流量。

这是一项高明的抢占用户计划,背后有大量的智能专利技术。Hike说,最新4款预装了Total的手机将于今年3月在印度各地上市。自2016年1月以来,Hike的用户基数似乎一直停滞不前,如果Total真的能让更多印度人手机上网更方便,那么观察它如何帮助Hike超越现有用户基础就会很有趣。

Mobile messaging service Hike just launched Total, a new service that lets Android users in India make payments to businesses and transfer money, read news, book train tickets, and chat with their contacts on the platform – all without mobile data.

The company, which claims 100 million users on its platform, has been working for six months on Total, with the aim of making basic services available to people who are yet to experience the mobile web for the first time – and eventually get them online to experience the full suite of Hike Messenger’s services. And it’s actually rather ingenious.

Speaking to TNW, CEO Kavin Mittal explained that while there are about 400 million unique smartphone users in India, about 200 million of them don’t access the web often, or at all – even though mobile data in India is believed to cheaper than almost anywhere else in the world. With Total, there’s an opportunity to reach that segment of users over the next couple of years.

So, how do you enable payments, deliver news, and allow for messaging without data? The folks at Hike built what it’s calling Universal Transfer Protocol (UTP), based on the USSD tech that’s been present on every GSM phone for years to deliver content from carriers without the need for 3G/4G data – it’s what powers the content in the SIM Toolkit you’ll find on your Android device, and the same system that lets you retrieve your mobile data balance by dialing a carrier-specified number.

Plus, it’s optimized Total services, which also include horoscopes, sports scores, and access to your Hike digital wallet, to fit into tiny data packets that can be swiftly transmitted via USSD. And it allows payments through both its own digital wallet, as well as via India’s nationwide Universal Payments Interface (UPI) protocol that allows for free money transfers between bank accounts.

By partnering with a couple of local handset makers, Hike has embedded UTP into the Android platform to allow for a user experience across the aforementioned services that feels like any modern app that uses data, while just relying on the USSD protocol that doesn’t cost users anything.

Building UTP is just the first piece of the puzzle. To make it easy for people to use Total, Hike has preloaded the service onto inexpensive phones by Intex and Karbonn, so it loads up as soon as you finish setting up your Android device for the first time. You’ll be able to sign into Total with just your phone number, and you’ll also get Rs. 200 ($3) in your Hike Wallet to use for things like purchasing mobile data plans or sending money to friends, once you’ve completed the KYC process.

In addition, Hike has partnered with major local carriers Airtel, Aircel, and BSNL to make low-cost data packs available through Total, with prices starting at Re. 1 ($0.02) for 20MB at 4G speeds. While using Total, certain functions – such as viewing media-rich news with photos, or sending pictures – will prompt users to buy data.

It’s a clever onboarding scheme with a whole lot of smart proprietary tech behind it. Hike says that the first four phones preloaded with Total will become available across India in March. It’ll be interesting to see how this helps Hike grow beyond its current user base (which seems to have stagnated since January 2016), and if it can truly help more people in India get online more easily.


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