不做对手,谷歌表示愿意与银行携手合作 - 互联网金融门户 未央网

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不做对手,谷歌表示愿意与银行携手合作

国际资讯基于互联网平台的金融业务

不做对手,谷歌表示愿意与银行携手合作

不久前,互联网巨头谷歌公司刚刚宣布,将谷歌钱包与安卓支付统一合并为谷歌支付。(相关阅读:《谷歌旗下多款支付服务将统一合并为谷歌支付》)

而在最近于伦敦召开的Finovate大会上,谷歌欧洲、中东与非洲商业伙伴关系负责人Florence Diss在接受《爱尔兰时报》采访时表示,谷歌现在更愿意与银行进行合作,而不是取代他们。比如,目前谷歌已经与多家银行展开合作,探讨如何《付款服务指令修订版(PSD2)》带来的商机。

PSD2今年年初生效,在迫使银行向第三方开放端口上卓有成效。

比如在本次大会上,谷歌就与KBC银行(爱尔兰)合作展示了KBC的移动应用程序,用户可以使用自拍进行身份识别,五分钟内就可快速开通一个现金账户。除此之外,谷歌还将自己的应用程序接口与银行相对接,这样用户在银行注册这个现金账户后,就可以直接利用谷歌支付进行便捷的移动付款了。

而这其实就是谷歌现阶段与银行进行合作的基本思路:致力于帮助银行专注于提供最佳服务,同时让银行能够更便捷地把Google Pay介绍给终端用户。

Diss女士表示,确保众多设备、系统能够同时在一个应用中运转,这可不是一般银行合作伙伴想投入资源的事情,而谷歌可以帮助他们解决这个难题。

据悉,除了合并谷歌钱包和安卓支付外,谷歌最近还为谷歌支付进行了更新,提供了一些附加功能。

尽管不少银行可能将谷歌视为潜在竞争对手,但事实上,谷歌目前已经与来自18个市场的1000多家银行建立了合作伙伴关系。

Diss女士表示,虽然谷歌现在的业务主要集中在消费者支付领域,但公司也已经注意到了商业领域的潜在机会。

Having recently unveiled a new unified payments service, which brings together Google Wallet and Android Pay, internet giant Google has said it is more interested in partnering with banks than replacing them.

Speaking to The Irish Times at the Finovate conference in London, Florence Diss, head of commerce partnerships for Google in Europe, the Middle East and Africa (EMEA), said the company is actively working with a number of banks to explore opportunities arising from the payments services directive 2 (PSD2).

PSD2, which came into effect earlier this year, effectively forced banks to open up their interfaces to third parties.

Ms Diss’s comments come as Google joined with KBC Bank Ireland at Finovate to demonstrate the latter’s mobile app, which allows users to open a current account in less than five minutes using a selfie for identification purposes.

Google has collaborated with the bank via its application programming interface, which easily allows customers to make mobile payments via its Google Pay service after signing up for a current account with the bank.

“Our banking partners want to have the best customer relationships and so we’re all about promoting the integration of our solutions with their own apps,” said Ms Diss.

Focus

She said the company was intent on enabling banks to focus on what the best services they can while helping them to easily introduce Google Pay to end users.

“We do a lot of heavy lifting behind the scenes because of course, most of the banks don’t necessarily see us as core so we’re doing a lot of unglamorous device gestation as there are hundreds of different devices that work with Android and making sure that they all work with one app isn’t something that our banking partners want to spend their resources on,” said Ms Diss.

In addition to unifying Google Wallet and Android Pay, the company recently rolled out an update to its app that offers added functionality.

Ms Diss said that while some banks might see Google as a possible rival, it is currently working with more than 1,000 banking partners in 18 markets.

She added that while the company is predominantly focused on the consumer payments space, it also sees opportunities on the business side.

“We never say no but currently with the proposition we have it is very much a consumer-orientated strategy,” said Ms Diss.


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