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谷歌获得爱尔兰支付运营许可

本周,爱尔兰中央银行宣布授予谷歌公司支付运营机构许可。

按照PSD2指令规定,本次爱尔兰央行授权谷歌公司后,谷歌仍然无法提供银行账户和贷款等银行业务,但是可以根据欧盟内业务互通特权在欧盟区域内展开支付业务。

目前谷歌的主要支付产品是其数字钱包Google Pay,只能提供有限的金融服务。

PSD2的引入旨在为支付部门带来更多竞争,特别是在非传统银行中。而指令推出后,寻求监管机构批准运营银行和支付服务的新银行和大型科技公司的数量的确出现了大幅增加。

两年前,Facebook就已经获得了爱尔兰中央银行的电子货币许可证,但是该公司目前还为开发出真正的支付服务产品。

除传统银行、新兴银行和大型科技公司之间的竞争之外,欧洲各国也在积极竞争,通过官方授权吸引潜在的支付创新力量。比如,谷歌公司此前就曾获得了立陶宛中央银行颁发的完整版电子货币许可证,而这也是该国颁布的第39个许可。

当然,在这一方面英国仍然遥遥领先。据统计,目前英国已经累计颁发电子货币及银行业务牌照128个。

Ireland's central bank has granted authorisation for Google to operate as a payments institution, a move that could see the big tech giant significantly expand its financial services offerings across the European Union.

The central bank's decision to authorise Google Payment Ireland under the second Payment Services Directive (PSD2) does not grant Google with the ability to offer a full banking service including bank accounts and loans but it will be able to acquire and issue payments anywhere in the EU under passporting rights.

Currently Google's primary payments product is its digital wallet Google Pay, which offers a limited number of financial services. The introduction of PSD2 is designed to bring more competition to the payments sector, particularly among non-traditional bank. Consequently there has been a significant rise in the number of neo-banks and big tech firms seeking regulatory approval to operate banking and payment services.

Facebook was granted an e-money licence by the Irish central bank two years ago, although it has yet to fully develop its payments offering.

However, Google executives have previously said that the company is more interested in working with banks to develop opportunities in the payments market rather than looking to compete.

In addition to the competition between banks, neo-banks and big tech firms, there is also a developing rivalry between European domiciles to attract some of these prospective payment companies by offering them licences. In addition  to its Irish authorisation, Google has also been granted a full e-money licence by the central bank of Lithuania, the 39th it has granted so far, second only to the UK which has issued 128.

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