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数字支付平台Zelle计划进军小企业用户市场

近日彭博社援引内部人士消息称,数字支付应用Zelle正在改进平台风险评估工具,希望在个人转账的基础功能之上,开拓个人向小企业/小商家的支付业务。

目前,Zelle已经得到了美国银行、摩根大通等多家机构的支持。

不过也有消息称,这项新服务的推出时间尚未确定,或者说最终是否推出都还是未知数。不过,这依旧可以看做是Zelle挑战主要市场竞争对手Venmo的一次重大尝试。

eMarketer预计,2018年Zelle公司的支付业务增长量将达到至少73%,用户数量也有可能达到2740万,超过Venmo的2290万用户规模。

彭博社指出,Zelle目前允许企业向消费者支付款项,第二季度处理1亿笔交易,总计280亿美元。但截至目前,Zelle并未提供个人向企业汇款所必需的风险保护措施。

来自eMarketer的数据显示,P2P移动支付产品的用户将在2018年增长30%,覆盖8250万人,占美国智能手机用户的40%左右。此外,eMarketer预测P2P支付的交易量将增加37%,2018年将达到1670亿美元。

也就是说,随着人们对这种移动支付方式越来越熟悉,未来的支付市场空间也会越来越大。

 

 

 

 

Zelle, the digital payment app that enables consumers to send money to friends and family, is gearing up to expand its offering to enable customers to pay small businesses. Bloomberg, citing people familiar with the situation, reported Zelle is in the process of enhancing its risk assessment tools as part of the effort to make it safe for people to pay small businesses. Zelle is backed by Bank of America, JPMorgan Chase and other banks.

According to Bloomberg, there isn’t a set date for the release and it could decide not to launch the service. However, the move is seen as a way to take on Venmo, which is owned by PayPal and already offers the capability. While peer-to-peer (P2P) payment apps have long been reserved for splitting small bills with friends and family, it is growing as more consumers become comfortable with the payment method. Bloomberg, citing Crone Consulting, reported that P2P payments to businesses in the U.S. will almost quadruple to nearly $17 billion this year. By 2021, the business side of the P2P market is expected to hit $74 billion.

Zelle currently lets businesses disburse payments to consumers, handling 100 million transactions in the second quarter for a total of $28 billion, noted Bloomberg. As of now, Zelle doesn’t offer risk protections that are necessary to send money to businesses, said the report.

With Zelle projected to overtake Venmo, eMarketer expects the payment service to grow more than 73 percent this year. The firm is projecting that Zelle will reach 27.4 million users in the U.S. — more than Venmo’s 22.9 million users, reports said.

“One of the main hurdles new apps face is building trust and a sizable audience,” said eMarketer Forecasting Analyst Cindy Liu. “But Zelle has leapfrogged the early stages of adoption by having the benefit of being embedded into the already existing apps of participating banks.”

Overall, eMarketer said that users of P2P mobile payment products will rise 30 percent in 2018 to encompass 82.5 million people — or just about 40 percent of smartphone users in the U.S. Furthermore, eMarketer forecasts that the transaction volume of P2P payments will increase by 37 percent in 2018 to reach just over $167 billion this year.

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