最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯基于互联网平台的金融业务

微信支付携手M-Pesa,开启亚非移动平台转账时代

专栏国际资讯基于互联网平台的金融业务

微信支付携手M-Pesa,开启亚非移动平台转账时代

近日,内罗毕的Family Bank和伦敦Fintech公司SimbaPay合作推出一项服务,允许肯尼亚移动钱包M-Pesa用户向中国的微信平台用户进行转账。

个人或公司可以通过M-Pesa下载Family Bank的PesaPap软件,或者在肯尼亚拨打USSD码完成转账任务。

非M-Pesa用户也可以通过M-Pesa上一个专门的付款码使用这一新服务。在转账前,转账人可以确认交易信息并了解将要兑成人民币的汇率。

据估计,使用这一服务最多的应该就是肯尼亚商人,因为该服务比传统的银行转账或转账服务商速度更快、成本更低,而这对于许多依靠中间商订购产品的小企业或个体商户来说尤其明显。

而对肯尼亚电信运营商Safaricom来说,M-Pesa与微信本次合作将进一步巩固其在国内外市场的竞争力。

Safaricom有2400万左右的用户。过去几年,该公司一直在研究如何打造一个像微信一样的多元生态系统。

目前来看,探索已经取得了一定的成果。比如Safaricom曾推出了一款类微信的聊天平台Bonga,允许用户在社交聊天的同时进行转账收钱。此外,Safaricom还和PayPal签署了协议,将其用户与PayPal的2.27亿用户联系起来。上个月,M-Pesa还与全球金融服务公司Western Union的50万个全球代理商建立了合作。

而腾讯并没有推出一个独立应用来扩展微信支付的海外市场,而是选择与国际商家和平台进行签约合作,直接服务在海外的中国游客和商家。

Tens of millions of people using Kenya’s dominant mobile money service M-Pesa will now be able to transfer cash to over a billion active users of China’s digital payment system WeChat Pay. The Nairobi-headquartered Family Bank along with London-based fintech firm SimbaPay launched a service that enables users send money to the users on the WeChat platform, which is owned by Chinese tech giant Tencent.

Individuals and businesses can send funds to China by either downloading Family Bank’s PesaPap app, through M-Pesa, or by dialing a USSD code in Kenya. Non-customers too will also access the service via a dedicated pay bill number on M-PESA. Before transferring the payment, a sender will be able to review the transaction and check exchange rates before its delivered in Chinese yuan.

The service is most likely to be used by Kenyan traders to pay for Chinese goods without using more expensive or slower bank options or traditional money transfer systems or remittance services. This is especially true for small-scale traders who have had to depend on middlemen to order goods and make payments on their behalf.

For the Kenyan telecom operator Safaricom, the availability of its dominant mobile payment service M-Pesa in China solidifies its footing among competitors at home and abroad.

With almost 24 million subscribers, Safaricom has spent the last couple of years experimenting with  creating a diverse M-Pesa ecosystem  similar to one that WeChat Pay has in China with its 800 million users. This includes an app like WeChat dubbed Bonga which allows M-Pesa users to chat while sending or receiving money. Safaricom also signed a deal to connect its customers with the 227 million users of online payments company PayPal. Last month, M-Pesa mobile wallet accounts were connected to 500,000 global agents representing financial services firm Western Union.

Rather than expanding WeChat Pay abroad with a standalone app, Tencent has focused on signing up foreign merchants so that Chinese traders and tourists could use the platform abroad.

本文系未央网专栏作者MM发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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
M

MM

10
总文章数

TA还没写个人介绍。。。

韩国支付创企Toss获8000万美元融资

高旭 | FINEXTRA 12-11

美国著名经纪平台TD Ameritrade与微信达成合作

Pymnts 12-05

积极接洽RBI,WhatsApp为进军印度市场做准备

pymnts | PYMNTS 12-03

2018年印度金融科技发展5大趋势

MM 11-29

日本软银和雅虎合资移动支付公司PayPay投入100亿补贴

Sarah Clar... | 移动支付网 11-28

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