亚马逊会推出理财服务吗? - 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
国际资讯基于互联网平台的金融业务

亚马逊会推出理财服务吗?

国际资讯基于互联网平台的金融业务

亚马逊会推出理财服务吗?

亚马逊是集服装、云计算、电视剧以及药品等业务为一体的一站式购物平台。那么,理财服务是否会成为它的下一个目标?

桑福德伯恩斯坦公司分析师在近日发表一篇报告,认为亚马逊未来可能会为消费者带来超级动力智能投顾服务或低价投资的机会。

报告还表示,亚马逊本身有很大的数据优势,可以为其进军金融业铺平道路,比如1亿名Prime会员的数据。这个数字是非常庞大的。更别提它还有极佳的信誉。

伯恩斯坦公司说道:"我们相信,亚马逊早已一切准备就绪。"

理财服务和亚马逊的核心业务差别很大,但是这种差别却也没有想象的那么大。

亚马逊最大的一个竞争对手已经驻扎金融业很久了。阿里巴巴蚂蚁金服推出的货币基金余额宝在很短时间内就成为了全球行业顶尖。蚂蚁金服的支付服务支付宝让众多消费者习惯于使用余额宝理财。

蚂蚁金服后来推出了机器人服务,该服务借助人工智能分析消费者的支付活动,进而为其推荐股票、债券和大宗商品。

伯恩斯坦公司在报告写道:"其他科技公司可以借鉴这种模式。"

亚马逊并非第一家推出理财服务的美国电商零售平台。今年1月,零售商Overstock和区块链交易平台tZERO合作,推出一款智能投顾产品,每月费用是9.95美元。

亚马逊尚未明确表明有进入理财领域的想法,同时也拒绝回复相关问题。

但是,我们还是可以察觉到一些迹象的。据报道,亚马逊在考虑利用 Alexa虚拟助理提供p2p(个人对个人)支付服务,甚至可能支持声控支付汽车油费。

《华尔街日报》3月报道,亚马逊已经和摩根大通及其它多家银行展开谈判,计划为客户提供活期存款账户。

近些年,亚马逊一直在拓展业务。比如,上个月,它对网上药店PillPack的收购交易就引起了巨大反响。

但理财却是一个完全不同的领域,若经营不好,可能会极大损害亚马逊的信誉。

报告认为:"很明显,风险是有的。资金管理中出现失误,其后果比发出一件瑕疵品严重得多。"

金融业监管严密,准入门槛很高。弄清这些监管规则需要花费很大精力,亚马逊在核心业务上关注度必然会有所减少。而周边有沃尔玛等企业环伺,核心业务的竞争也十分激烈。

另外,伯恩斯坦还认为,亚马逊在消费者心中地位很高,在金融这种缺少信任度的行业,这无异是种优势。在哈里斯企业声誉民意调查中,亚马逊连续三年高居榜首。

伯恩斯坦猜测亚马逊进军金融业的三种方案:

一、全身心投入。亚马逊结合人工智能和大数据直接管理资产。

分析师认为这种风险最高,完全不可能。但讽刺的是,最大的风险就是,由于业务开展太好,人们会怀疑硅谷掌握太多的用户数据,进而抵制该项服务。

二、建立一家投资"超市"。消费者可以选择购买互惠基金或者半封闭的开放式基金,基金由第三方专业机构管理。亚马逊有极大的客户群,它可借此与资产管理机构谈判,争取更低的手续费。如果投资者亏钱,承受大部分指责的也只是这些资管机构。

三、推出智能投顾服务。亚马逊可建立一个平台,自动选择股票、债券和大宗商品投资。

虽然Wealthfront、Betterment等智能投顾平台的资产管理规模已达数十亿,但是亚马逊要想吸引客户,还是必须在广告宣传方面投入很多的资金和精力。

对于亚马逊等科技巨头而言,拥有较高的客户忠诚度不是问题。

报告中表示:"亚马逊可能会颠覆智能投顾领域的规则。"

虽然Wealthfront、Betterment等智能投顾平台的资产管理规模已达数十亿,但是亚马逊要想吸引客户,还是必须在广告宣传方面投入很多的资金和精力。

对于亚马逊等科技巨头而言,拥有较高的客户忠诚度不是问题。

Amazon (AMZN) is already a one-stop shop for clothes, cloud computing, TV shows and even medicine. Will wealth management be next?

In the future, Amazon could sell its customers a super-powered robo-adviser or access to cheap funds, analysts at Sanford C. Bernstein & Co. wrote in a report published on Tuesday.

The firm argued that Amazon has countless advantages that would pave the way for invading finance. Jeff Bezos' company has a massive customer base including 100 million Prime subscribers. It has vast amounts of data on those customers. And that's not to mention Amazon's superior reputation.

"We think Amazon is well placed to disrupt the industry," Bernstein wrote.

Managing money is a far cry from Amazon's core business. But it's not as crazy as it sounds.

One of Amazon's biggest rivals is already in finance. Alibaba's (BABA) Ant Financial launched a money-market fund that quickly became the world's largest. Ant Financial used its payments service, Alipay, as a gateway to get customers to use the money market fund.

Ant Financial has since created a robo-service that uses artificial intelligence to suggest stocks, bonds and commodities for customers based on their payment activity.

"This is a model other tech companies could follow," Bernstein wrote.

Amazon wouldn't even be the first American online retailer managing money. In January, Overstock.com (OSTBP) partnered with tZERO Advisors to launch a robo-adviser that costs $9.95 a month.

Amazon hasn't announced a desire to enter wealth management. The company did not respond to a request for comment.

But there are signs Amazon could be targeting finance. It's reportedly considering a person-to-person payments feature for its popular Alexa virtual assistant. It could even let drivers in Alexa-enabled cars pay for gas by using their voice.

Amazon also held talks with JPMorgan Chase (JPM) and other banks about setting up Amazon-branded checking accounts, The Wall Street Journal reported in March.

And Amazon has branched out in recent years. Last month, it made a big splash by purchasing PillPack, an online pharmacy that delivers medicine directly to customers.

But managing money would be an entirely new ballgame - and one that could damage Amazon's reputation if it went wrong.

"There is a clear risk to the brand. A mistake in fund management is not the same as sending a faulty product," Bernstein wrote.

It's a tightly regulated industry, creating high barriers for companies that want to enter. Untangling the web of regulation could distract Amazon from its core business, where it faces competition from the likes of Walmart (WMT).

Still, Bernstein argues that Amazon's strong status among consumers could give it a leg up in an industry that appears to suffer from a "lack of trust." For each of the past three years, Americans awarded Amazon the top spot in Harris Poll's annual corporate reputation survey.

Bernstein laid out three ways Amazon could move into finance:

Go all in. Amazon could use a combination of AI and Big Data to directly manage assets.

The analysts think this is unlikely because it carries the highest risk. Ironically, the biggest danger, according to Bernstein, is that the experiment would work so well that it would accelerate the backlash against how much user data Silicon Valley controls.

Create a "supermarket." Customers would have the option of buying mutual funds and ETFs through Amazon that are managed by outside professionals. Amazon's wealthy customer base would give it significant leverage to negotiate for lower fees from asset managers. And those traditional asset managers would take most of the blame when investors lose money.

Build a robo-adviser. Amazon could launch an automated platform that makes investment decisions by selecting stocks, funds and commodities.

While robo-advisers like Wealthfront and Betterment have gobbled up billions in assets, the industry must spend heavily on advertising to lure customers.

That wouldn't be a problem for Amazon or other big tech companies that have a loyal following of customers.

"This could be a game changer in the economics of robo-advice," Bernstein wrote.

Although robo-advisers like Wealthfront and Betterment have gobbled up billions in assets, the industry must spend heavily on advertising to lure customers.

That wouldn't be a problem for Amazon or other big tech companies that have a loyal following of customers.


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

耿颖 | 未央团队未央编辑团队

28
总文章数

TA还没写个人介绍。。。

亚马逊向其印度支付子公司Amazon Pay投资23亿卢比

Press Trus... | 移动支付网 07-18

微软公司呼吁对面部识别技术进行监管

高旭 07-16

硅谷巨头纷纷加码,“金矿”保险业会因科技介入被颠覆吗?

Martha Not... 07-16

亚马逊的金融科技版图

耿颖 07-03

亚马逊成功收购在线药房PillPack

Ingrid Lun... | 猎云网 06-29

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