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

抛弃PayPal,eBay搭上荷兰新支付创企

从上世纪90年代网络热潮时期开始,eBay与PayPal两家公司的业务就一直交集密切,但如今eBay打算与PayPal分道扬镳,逐步转移支付业务。这一决裂意味着新一代金融科技公司崛起。

eBay表示,荷兰公司Adyen将最终取代PayPal,成为eBay主要的支付处理商,让网站的支付程序更加集成化。eBay预计这一转变将在2021年大致完成,2023年7月前仍可以选择PayPal支付。eBay称“PayPal仍是eBay重要的合作伙伴”,这就相当于企业界说“我们还是做朋友吧”。

eBay在一份声明中表示,如今购物者希望能在交易网站实现上购物、付款。eBay是交易双方的中间人,客户将在网站上完成购买。

公告发布后,PayPal的股价在盘后交易中大幅下跌。它与eBay的合作已超过15年。eBay股价大涨,投资者预计eBay凭借"中间人"支付担保收取费用中获利总额将大幅提高。

PayPal也从世界各地数字支付的普及中受益。但即便如此,它也面临着来自从摩根大通到苹果等行业巨头的激烈竞争,这是由美国主要银行推出的支付服务Zelle及新公司Adyen、Stripe组成的财团。

虽然PayPal与eBay的关系有时令人担忧,但它早期的成功很大程度上归功于数字市场。PayPal早期营销主管Eric M. Jackson在《支付战争》一书中谈到,本世纪初,PayPal一面专注发展在线拍卖,一面抵抗eBay发展自己的支付方式。EBay2002年收购了PayPal,2015年又将其从EBay剥离。PayPal目前市值约为1000亿美元,约为前母公司时期市值的两倍。

与此同时,根据Adyen公司网站的说法,Adyen自2006年成立以来,已经赢得了Spotify、Netflix、Transferwise等公司支持。该公司在2016年交易额为900亿美元。PayPal拥有2.27亿个活跃客户账户,仅第四季度的总支付量就有1310亿美元,eBay的交易额占该公司总交易量的13%。

eBay表示,改用Adyen将降低卖家的成本,在更多国家提供更多支付选择。该公司表示eBay正在"进行重大投资",整合支付流程,最终打造一支数百名专家的团队。

现金使用越来越少,从eBay到Paypal,从Facebook到苹果都面临巨大的机遇:有人估计全球约85%的交易仍使用现金。对支付控制权的争夺、随之而来的数据财富吸引了世界上诸多最具创新精神的大公司。这场市场驱动的生意中谁会胜出尚不清楚,但随着竞争成本降低,似乎消费者将成为主要赢家。

EBay is shifting its payment operations from PayPal, pushing apart two companies whose fortunes have been intertwined since the dot-com boom in the 1990s. The breakup highlights the rise of a new generation of financial technology companies.

EBay said it will eventually replace PayPal with a Dutch firm called Adyen as its primary payment processor, more closely integrating payments on its site. The online marketplace expects to have mostly completed the move by 2021, and PayPal will still be offered as a way to pay at checkout until July 2023. The auction site said “PayPal will remain an important partner to eBay,” which is the equivalent of “let’s be friends” in the corporate world (Adyen is about half PayPal’s age).

These days, shoppers expect to be able to both shop and checkout on the site where they transact, eBay said in a statement. As eBay intermediates these payments, customers will be able to complete their purchases on the online marketplace.

Shares of PayPal, which has been closely linked with eBay for more than 15 years, fell sharply in after-hours trading following the announcement. EBay’s shares jumped, as investors anticipated that it will boost the amount it makes from fees as it pledges to “intermediate” payments on its platform.

PayPal has benefitted as digital payments proliferate around the world. Even so, it faces intense competition from industry giants ranging from JPMorgan to Apple, a consortium of major US banks called Zelle, as well as newer players like Adyen and Stripe.

PayPal’s relationship with eBay has sometimes been fraught, but it owes much of its early success to the digital marketplace. It focused on online auctions at the turn of the century to grow while fending off eBay’s own payment initiatives, according to a telling of the events (The PayPal Wars) by Eric M. Jackson, an early PayPal marketing executive. EBay ended up acquiring PayPal in 2002 and then spinning it out in 2015. PayPal’s market cap of around $100 billion is now roughly double that of its old parent.

Adyen, meanwhile, launched in 2006 and has since won over companies like Spotify, Netflix, and Transferwise, according to the company’s website. It processed $90 billion in transactions in 2016. PayPal, which says it has 227 million active customer accounts, handled $131 billion in total payment volume in the fourth quarter alone—eBay represented about 13% of that volume.

EBay says the switch to Adyen will cut costs for its sellers and will allow it to offer more payment options in more countries. The company says it’s “making significant investments” so that it can integrate payments into its processes, building up a team of several hundred specialists as a result.

As the use of cash slowly fades, the opportunity for everyone from eBay to Paypal to Facebook and Apple is immense: Cash is still used for about 85% of global transactions, according to some estimates. The scramble to control payments, and the wealth of data that come along with them, has now attracted many of the world’s largest and most innovative companies. Who will prevail in this volume-driven business is unclear, but as the competition drives down costs it looks like consumers will be the primary winners.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

吕林倩未央编辑团队

139
总文章数

TA还没写个人介绍。。。

多伦多将探讨是否允许公民用加密币支付账单

火币区块链研究中心 01-31

Stripe宣布停止接受比特币支付

高旭 | PYMNTS 01-24

被比作“早期亚马逊或谷歌”,支付平台Square股价大涨

常笑 01-23

不用流量就能看新闻、转账、发消息?这家公司说可以

吕林倩 01-22

共享出行平台Grab收购支付创企iKaaz

Jon Russel... | TECH CRUNC... 01-18

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1