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Facebook欲索要用户银行信息?发言人表示不属实

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Facebook欲索要用户银行信息?发言人表示不属实

据《华尔街日报》率先披露,全球社交媒体巨头Facebook正与美国几家大型银行谈判,想要在FB Messenger社交信息应用上增加一项新服务,整合银行用户的财务信息,但FB主站上不会推出。

多位知情人士称,Facebook在过去一年询问了美国资产值排名第一、第三、第四和第五大的摩根大通、富国银行、花旗集团及U.S. Bancorp,以期在Messenger社交信息应用上直接显示这些银行用户的支票账户余额信息,提供欺诈警报、帮助用户追踪账户余额等服务。

据称,Facebook想要美国几家最大的银行分享用户财务数据,包括借记卡/信用卡交易记录、支票账户余额等,想要借此提高Messenger上的用户参与度(user engagement),吸引用户花费更多时间使用Messenger,也能帮助美国大型银行实现数字化用户体验的转型。

文章称,Facebook已不满足于作一个熟人社交平台,想让Messenger等应用成为用户买卖商品和服务的一站式平台。因此,Facebook具体想从银行处获得的信息还包括:Messenger用户在这一App之余,使用银行借记卡或信用卡的购物场景等。

Facebook发言人表示,向金融机构索要信息是许多网络公司的常规举动,把用户的财务信息整合入Messenger,核心是改善人们的在线商务体验,提供更好的客服,保证用户信息安全。FB还承诺,不会利用从银行或信用卡公司购买的数据进行定向广告业务。

银行担心数据隐私,但打通社交网站与银行服务成大趋势

几位知情人士称,美国大型银行最大的顾虑是数据隐私,其中就包括美国第一大银行摩根大通。虽然银行面临数字化转型的挑战,目前在移动支付业务上没有获得较高市场份额,但银行倾向于将用户保留在自己的网站或主营App上,很犹豫分享更多数据给Facebook这样的第三方平台。

去年,美国几家大银行联手推出了智能手机App端的转账网络工具Zelle,尽管使用量在上升,不少银行并没有加入这一平台,市占率也跑输了支付巨头PayPal公司旗下的个人移动支付工具Venmo,也比不上推特CEO杰克·朵西旗下的小企业移动支付平台Square。

而Facebook过去几年与美国运通、万事达卡和PayPal都建立了合作关系,FB Messenger的用户可以在应用中联系到上述信用卡或支付机构的官方客服,并利用这些机构自主研发的工具或数字钱包,在Messenger内部实现对商家或个人的转账服务。

有分析指出,银行与Facebook合作,能利用后者数十亿月活用户的流量资源,抬升银行业在电子商务中的市场份额。需要解决的问题包括:银行用户能否自愿加入(opt-in)到Facebook的新服务中,以及“泄露门”丑闻之后的FB能否提供更多隐私保护选项。

Facebook忙着修复“泄露门”负面影响 华尔街支持

Facebook在美股周一盘中回应称,关于公司正在请求金融交易数据的消息不实。与银行和信用卡公司合作,目的是提供客服聊天和账户管理等服务,信息不会用于广告或其他任何业务。用户与银行的链接账户是完全“可选择”的,合作伙伴关系的“关键要务”是确保信息安全。

Facebook对可能侵犯用户隐私的报道格外敏感情有可原,3月下旬被爆出政治咨询机构剑桥分析公司违规接触到未经同意的8700万FB用户数据后,Facebook深陷监管机构的多项调查,并调整了多项数据分享政策,可能改变用户参与和定向广告等核心业务的商业模式。

华尔街见闻曾提到,Facebook二季报营收和净利基本符合预期,但核心用户指标明显不佳,日活环比增速创2014年来最低、北美用户增长停滞、欧洲出现负增长。加上欧洲监管趋严、“泄露门”余波未平,投资者开始质疑社交巨头的增长前景,市值曾一天抹去1200亿美元,创美股史上之最。

从周一股价表现来看,华尔街认为Facebook与大型银行讨论数据合作的事宜,或利好于Messenger的用户活跃程度,也并不算出格——毕竟亚马逊和谷歌也都询问过银行是否能分享类似数据,目的是在谷歌助手和Alexa语音询问中提供基本银行服务。

Facebook周一股价一路上涨,收高185.69美元,创7月26日以来最高,明显从财报次日接近171美元处反弹,但仍较7月25日财报公布前217.50美元的历史收盘新高低了15%,代表依旧在技术位盘整区间,财报公布次日曾深跌20%。

Facebook Inc. wants your financial data.

The social-media giant has asked large U.S. banks to share detailed financial information about their customers, including card transactions and checking-account balances, as part of an effort to offer new services to users.

Facebook increasingly wants to be a platform where people buy and sell goods and services, besides connecting with friends. The company over the past year asked JPMorgan Chase & Co., Wells Fargo & Co., Citigroup Inc. and U.S. Bancorp to discuss potential offerings it could host for bank customers on Facebook Messenger, said people familiar with the matter.

Facebook has talked about a feature that would show its users their checking-account balances, the people said. It has also pitched fraud alerts, some of the people said.

Data privacy is a sticking point in the banks' conversations with Facebook, according to people familiar with the matter. The talks are taking place as Facebook faces several investigations over its ties to political analytics firm Cambridge Analytica, which accessed data on as many as 87 million Facebook users without their consent.

One large U.S. bank pulled away from talks due to privacy concerns, some of the people said.

Facebook has told banks that the additional customer information could be used to offer services that might entice users to spend more time on Messenger, a person familiar with the discussions said. The company is trying to deepen user engagement: Investors shaved more than $120 billion from its market value in one day last month after it said its growth is starting to slow.

Facebook said it wouldn't use the bank data for ad-targeting purposes or share it with third parties.

"We don't use purchase data from banks or credit card companies for ads," said spokeswoman Elisabeth Diana. "We also don't have special relationships, partnerships, or contracts with banks or credit-card companies to use their customers' purchase data for ads."

Facebook shares climbed sharply on the news, up 3.5% around midday, marking the biggest gain since last month's historic drop.

Banks face pressure to build relationships with big online platforms, which reach billions of users and drive a growing share of commerce. They also are trying to reach more users digitally. Many struggle to gain traction in mobile payments.

Yet banks are hesitant to hand too much control to third-party platforms such as Facebook. They prefer to keep customers on their own websites and apps.

As part of the proposed deals, Facebook asked banks for information about where its users are shopping with their debit and credit cards outside of purchases they make using Facebook Messenger, the people said. Messenger has some 1.3 billion monthly active users, Chief Operating Officer Sheryl Sandberg said on the company's second-quarter earnings call last month.

Alphabet Inc.'s Google and Amazon.com Inc. also have asked banks to share data if they join with them, in order to provide basic banking services on applications such as Google Assistant and Alexa, according to people familiar with the conversations.

"Like many online companies, we routinely talk to financial institutions about how we can improve people's commerce experiences, like enabling better customer service," Ms. Diana said. "An essential part of these efforts is keeping people's information safe and secure."

Facebook has taken a harder public line on privacy since the Cambridge Analytica uproar. A product privacy team has announced new features such as "clear history," which would allow users to prevent the service from collecting their off-Facebook browsing details. It also is making efforts to alert users to its privacy settings.

That hasn't assuaged concerns about Facebook's privacy practices. Bank executives are worried about the breadth of information being sought, even if it means not being available on certain platforms that their customers use. Bank customers would need to opt-in to the proposed Facebook services, the company said in a statement Monday.

JPMorgan isn't "sharing our customers' off-platform transaction data with these platforms, and have had to say no to some things as a result," said spokeswoman Trish Wexler.

Banks view mobile commerce as one of their biggest opportunities, but are still running behind technology firms such as PayPal Holdings Inc. PYPL 0.68% and Square Inc. Customers have moved slowly, too; many Americans still prefer using their cards, along with cash and checks.

In an effort to compete with PayPal's Venmo, a group of large banks last year connected their smartphone apps to money-transfer network Zelle. Results are mixed so far: While usage has risen, many banks still aren't on the platform.

In recent years, Facebook has tried to transform Messenger into a hub for customer service and commerce, in keeping with a broader trend among mobile messaging services.

A partnership with American Express Co. allows Facebook users to contact the card company's representatives. Last year, Facebook struck a deal with PayPal that allows users to send money through Messenger. Mastercard Inc. cardholders can place online orders with certain merchants through Messenger using the card company's Masterpass digital wallet. (A Mastercard spokesman said Facebook doesn't see card information.)


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