金融科技助力航空业升级突破 - 互联网金融门户 未央网

最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯基于互联网平台的金融业务

金融科技助力航空业升级突破

传统金融的互联网化国际资讯基于互联网平台的金融业务

金融科技助力航空业升级突破

过去这些年,金融科技产业实现了快速发展,给人们日常生活的各个方面都带来了不少便利,而航空出行也是其中之一。

生物识别优化旅行体验

如今,为了提高平台的安全性和便利性,越来越多的金融科技机构引入了生物识别技术,而这项技术同样也能帮助我们优化航空出行体验。

航空技术企业SITA报告显示,近年来乘客数量持续激增,到2036年,年度频飞人数将增长一倍,达780万人次,五分之三的机场与五分之二的航空公司投资生物识别技术以提升速度,巩固安全。

SITA战略与创新总监Sean Farrell 表示:

“高效身份认证管理对打造更为安全的机制来至关重要,同时还可升级乘客体验。使乘客在旅途中所有关卡只需使用面部等生物识别特征,可助其安全快速走完机场流程。”

旅客航空保险日益数字化

不久前,美国大都会人寿保险与腾讯旗下数字保险企业微保宣布达成战略伙伴关系,决定通过腾讯在线保险平台微保为旅客提供保险解决方案。

此合作将腾讯将腾讯移动社交平台微信月度10亿活跃用户与大都会在生命与健康保护解决方案方面的专长加以结合,使双方均可在大数据分析与定制智能增值服务等领域相互合作,以为中国旅客提供简便透明的点对点保护方案。

该伙伴关系推出的首个产品即为航空意外险,将于微保平台上线,专注优化用户体验、保护水平及价格。《2017中国国内旅游业发展报告》显示,2016年中国国内游客数达45亿人次,同比增长15%。这种简单节本的解决方案为旅游意外险提供了切实的替代解决方案。

移动&在线支付简化流程

移动支付平台Tez负责人、谷歌下一个十亿用户计划(Next Billion Users)副总裁Diana Layfield在接受《金融时报》采访时表示,进军航空市场的速度"在很大程度上取决于未来数月谈判进度以及我们集聚资源推进此举的能力,不过我们今年诚然将朝此方向努力......我们起初是专门针对印度市场设计的,但全球市场的确也在我们的考察范围内。”

与印度有着"相似特征"的国家,即信用卡渗透率与近距离通信系统普及率相对较低的国家对Tez来说最具吸引力。

“Efficient identity management is essential for better security while at the same time improving the passenger experience. Biometrics is the technology that can deliver this. Moving to single token identity management where passengers can simply use their biometric, such as their face, at every checkpoint on their journey will speed passengers securely through the airport.” – Sean Farrell, Director of Strategy & Innovation, SITA

Over half (63%) of airports and nearly half (43%) of airlines are planning to invest in biometric ID management solutions in the next three years.

Pick #1. Airlines Increasingly Investing in Biometric Technology

According to a report by aviation technology company SITA, three out of five airports and two out of five airlines are investing in innovative biometric technology to improve speed and security as passenger numbers continue to rise at a staggering rate, with the number of annual fliers set to almost double to 7.8 billion by 2036.

Pick #2. MetLife & WeSure Form Strategic Digital Insurance Partnership

MetLife and WeSure, a digital insurance provider owned by Tencent, announced a strategic partnership to offer insurance solutions to travelers through Tencent’s WeSure online insurance platform.

This alliance marries WeSure’s extensive base of 1 billion monthly active users on Tencent’s mobile social communications platform, WeChat, with MetLife’s global expertise in life and health protection solutions, and enables both parties to collaborate in fields such as big-data analysis, tailor-made & intelligent value-added services to deliver easier-to-use and more transparent end-to-end protection solutions for Chinese travelers.

The partnership’s first solution is an aviation accident insurance product which will be provided on the WeSure platform and focus on an optimized customer experience, protection level, and price. According to the Annual Report of China Domestic Tourism Development 2017, the number of domestic travelers in China reached 4.5 billion in 2016, with a steady YoY growth of 15%. The simple, cost-effective solution is a truly differentiated offering in the travel accident insurance segment.

Pick #3. Google’s Indian Payments Platform Looks for New Markets

Expansion into new markets “very much depends on how conversations progress in the next few months and our ability to really focus resources on it but we’ll certainly be working on it this year,” Diana Layfield, Head of Tez & VP of Google’s Next Billion Users initiative, said in an interview to the Financial Times.

“We designed it for India first but we were very much thinking about global market growth users. We have learnt a huge amount about user interface design for payments systems.”

“It would still need to be tweaked [for other markets] but there are some big common threads around simplicity” and the design of payment interfaces. – Diana Layfield, Head of Tez & VP of Google’s Next Billion Users initiative

Countries with “similar characteristics” to India – relatively low credit card penetration and limited access to near-field communications systems – were the most attractive to Tez.


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