最有看点的互联网金融门户

最有看点的互联网金融门户
其他国际资讯

PayPal携手万事达卡推出借记卡服务

昨日,PayPal首席运营官Bill Ready宣布,该支付公司正在推出一些新功能,总而言之,这些功能实际上比创新更传统。比如,PayPal计划于今年携手万事达卡公司推出一款借记卡,该卡将与一个可以接受直接支票存款的FDIC保险银行账户相连接。

但PayPal本身并不打算在短期内获得银行执照。首先,在美国获得这种牌照很难,当然还有很多其他的原因。也就是说,PayPal目前选择的方式是与银行合作提供所有这些服务。

比如根据《华尔街日报》报道,PayPal的借记卡服务将由特拉华银行负责,乔治亚州银行负责通过用户的照片处理支票存款,犹他州的几家银行将向客户和小型企业提供贷款。

据了解,由于传统机构的“财政不足”,估计有3000万美国人目前将9.5%的收入用于替代性融资提供商的利息和费用。由于这项服务的主要客户群体是那些目前在美国境内获得银行服务不足的人口,所以该账户不会有月费或者最低存款要求。不过,用户如果使用不在PayPal网络范围内的ATM机取款则需要支付手续费,同时还要被扣除存入支票总值的1%。

PayPal表示:“我们不是银行,我们没有期望成为银行。我们不打算进入银行业市场。我们要做的值只是让金融服务获得民主化。“

Announced in a statement today, PayPal’s COO Bill Ready has said that the payments firm is looking to roll out some new features that, all in all, are really more traditional than innovative. On the cards for 2018 is a PayPal Mastercard debit card, attached to a FDIC-insured banking account with the ability to accept direct cheque deposits.

But PayPal itself has no plans to pursue a banking licence any time soon, not least because it is notoriously hard to do so in the United States. Instead it will offer all of these things through partner banks, the names of which are currently unconfirmed.

According to a report from the Wall Street Journal, a Delaware bank will handle the debit cards, a Georgia bank will handle the cheque deposits via photographs from users, and banks in Utah will be offering loans to customers and small businesses; all on PayPal’s behalf.

In an effort to serve those who currently have limited access to banking services across the US, there will be no monthly fee or minimum deposit required to use the account. However as is traditional in the States, users will have to pay fees to use ATMs not housed within PayPal’s network, and pay 1 per cent of any cheque deposited via the digital system.

According to Fortune, the decision to keep the names of these partner banks behind closed doors is in fact a strategic move: the bilateral agreements between PayPal and anonymous banks help it to “avoid FDIC regulations on whose deposits it will insure”, and “Visa and MasterCard rules about what kinds of institutions the credit card companies will run cards for”.

Ready commented that an estimated 30m Americans are currently spending around 9.5 per cent of their income on interest and fees from alterative finance providers, as a result of being “financially underserved” by traditional institutions. Today’s announcement is designed to target these people, as he went on to say: “If you already have a bank account, [this] is not for you.”

“We are not a bank and we have no aspirations to become a bank. We’re not looking to move into banking at all. What we are doing is democratizing access to financial services.”


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

携手M-Pesa,PayPal进军非洲市场

高旭 04-10

PayPal加密货币用户信息疑似泄露

C. Edward ... | NEWS BITCO... 03-19

PayPal 2017年年报:营收同比增长20% 市值逼近千亿美元

李昕 | 零壹财经 03-07

申请专利,PayPal加快加密货币支付布局

PYMNTS | PYMNTS 03-06

PayPal孵化器再度成功培育三家金融科技创企

常笑 03-06

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