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最有看点的互联网金融门户
传统金融的互联网化国际资讯

万事达卡与PayPal共同倡议科技巨头与银行加强合作

传统金融的互联网化国际资讯

万事达卡与PayPal共同倡议科技巨头与银行加强合作

昨日,一年一度的世界经济论坛在瑞士小镇达沃斯召开。

在本次大会的一个分论坛上,PayPal和万事达卡等多家公司高管就金融科技公司与银行之间的合作关系展开了讨论。

PayPal公司首席运营官Bill Ready表示,银行对此类合作一直存在着一定的误解。他认为,金融科技公司与银行之间的关系就好像手机制造商和电信公司一样,是互惠互利的。

与会的各位高管都认为,金融科技公司与银行之间的合作是一种积极的模式,能够帮助双方获取客户信任,创造出为客户进行财务互动的新模式。

近些年来,市场中已经出现了不少这样的合作案例,并取得了不错的成绩。

比如,亚马逊正在考虑与包括摩根大通在内的一些银行合作,提供与支票账户类似的产品,而创业公司TransferWise则与法国的Groupe BPCE合作,为客户提供汇款服务。

而与会的万事达卡公司也与苹果公司的Apple Pay开展了类似的服务。

万事达卡副主席Ann Cairns表示,人们可以通过Apple Pay直接乘坐地铁换乘,或者远程下单购买咖啡,科技的助力让整个支付系统都变得高效起来,为人们打造了一个全新的金融服务生态系统,让金融服务真正走入人们的日常生活。

 

At the World Economic Forum in Davos, Switzerland, executives of PayPal and Mastercard touted partnerships between financial technology companies and banks as a positive way to gain customers’ trust and innovate new ways for customers to interact with their finances.

On Tuesday (Jan. 22), the executives talked about how financial companies had nothing to fear from these types of  partnerships, and PayPal Chief Operating Officer Bill Ready said the idea that banking institutions have something to lose from such tie-ups is a misconception.

“I think that is a completely false premise,” he said, according to a report by CNBC. “It would be like saying,‘Well, for smartphone manufacturers to win, cellular carriers have to lose.’”

Ready said he sees the relationship between FinTech and banking as similar to that between cellphone makers and telecommunications companies.

“I think partnering with those banks is a huge opportunity to move much more quickly in a way that lifts the entire ecosystem versus saying it has to be a zero sum game,” he said.

There aren’t many of these partnerships, but some have made headlines recently. For example, Amazon is considering teaming up with some banks, including J.P. Morgan, to offer something similar to checking accounts, and startup TransferWise has collaborated with France’s Groupe BPCE to offer money transfer services to customers.

Mastercard Vice Chairman Ann Cairns talked about how her company supports Apple Pay as an example of a successful collaboration.

“People use (Apple Pay) to go through the London Underground every day and just tap your phone and then it creates a virtuous circle where people are buying coffee and the whole world starts to move contactless,” she said. “Everyone’s trying to provide fantastic user experiences by joining up and partnering and really sharing each other’s technology to create the best-end result. And actually it’s about creating something that’s seamless and easy that people can trust.”

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