相關(guān)資訊
- 你是“入不敷出族”還是“高薪族...
- 翻譯是一種知識管理和轉化活動(dòng)
- 常用桌面排版(DTP)工具一覽
- 你可能弄不清的專(zhuān)利摘要與全文翻...
- 做翻譯是一種怎樣的體驗？
- 影響專(zhuān)利翻譯價(jià)格的因素主要有哪...
- 合同翻譯過(guò)程中有哪些重點(diǎn)，有哪...
- 淺談專(zhuān)利翻譯在工作中的的注意事...
- 青島化工翻譯工作者需要具備哪些...
- 全職譯員、兼職譯員和自由譯員的...
- 日常翻譯中筆譯與口譯的不同特點(diǎn)
- 中國翻譯文學(xué)：從經(jīng)世致用到文化...
- 如何才能學(xué)好并練習口譯？
- 如何才能更好的培養翻譯人才
- 滴滴打車(chē)+人工翻譯：在美國也可...
微信支付與支付寶硬碰硬
發(fā)布日期：2017-05-09 :: 瀏覽數：1561 次 信息來(lái)源：
China’s $5.5tn mobile payments sector — more than 50 times bigger than that of the US — is beingshaken up by one-time underdog Tencent, which issnatching market share from rival Alibaba.
曾經(jīng)處于劣勢的騰訊(Tencent)正在撼動(dòng)中國5.5萬(wàn)億美元的移動(dòng)支付市場(chǎng)，從競爭對手阿里巴巴(Alibaba)那里搶奪市場(chǎng)份額。中國移動(dòng)支付市場(chǎng)的規模是美國的50倍。
Alipay, which Alibaba launched in 2004 as a PayPal-type service to facilitate payments on its Taobaoecommerce platform, has long dominated China’smobile payments. But its share of the market hadfallen to nearly half by the end of last year while Tencent’s rose to more than a third.
支付寶(Alipay)是阿里巴巴于2004年推出的一種類(lèi)似PayPal的服務(wù)，目的是方便在其電商平臺淘寶(Taobao)上的支付活動(dòng)。長(cháng)期以來(lái)，支付寶一直主宰著(zhù)中國的移動(dòng)支付市場(chǎng)。但到去年底，支付寶的市場(chǎng)份額快要降至一半，而騰訊的市場(chǎng)份額升至逾三分之一。
Alibaba had a 54 per cent market share in the fourth quarter of 2016 compared with 71 percent in the third quarter of 2015, according to the latest data from consultancy Analysys. Tencent’s share rose to 37 per cent against 16 per cent in the comparable periods. ApplePay, which launched in China early last year, did not feature in the top 10.
根據咨詢(xún)公司易觀(guān)(Analysys)的數據，2016年第四季度，阿里巴巴占據54%的市場(chǎng)份額，而2015年第三季度其份額曾高達71%。同期，騰訊的市場(chǎng)份額從16%升至37%。去年初在中國推出的Apple Pay沒(méi)有擠入前十。
China leads the world in mobile payments, buoyed by a boom in online shopping and therelative dearth of alternatives such as credit cards. iResearch said China’s mobile payments hit $5.5tn last year, 50 times the size of the US’s $112bn market, based on Forrester Researchfigures.
受網(wǎng)絡(luò )購物熱潮和信用卡等其他支付方式相對缺乏的推動(dòng)，中國的移動(dòng)支付領(lǐng)先全球。艾瑞咨詢(xún)(iResearch)表示，根據Forrester Research的數據，去年，中國的移動(dòng)支付規模達到5.5萬(wàn)億美元，是美國（1120億美元）的50倍。
Tencent, best known for its gaming and social media platform WeChat with 890m users, entered the arena a decade after Alibaba and for a year the two staged an expensive battle toattract customers.
騰訊以其游戲和擁有8.90億用戶(hù)的社交媒體平臺微信(WeChat)最為知名。騰訊的微信支付(Weixin Pay)比阿里巴巴的支付寶晚十年推出，兩家公司打了為期一年的昂貴的用戶(hù)爭奪戰。
Tencent’s Weixin Pay burst on to the scene with digital hongbao, the red envelopes of moneyhanded over as gifts during lunar new year. The ability to send hongbao online via WeChataccounts revolutionised a centuries-old tradition: this year 64bn hongbao were exchanged overthe six-day holiday period.
騰訊的微信支付憑借電子紅包強勢登場(chǎng)。通過(guò)微信賬號發(fā)送在線(xiàn)紅包的模式，顛覆了幾百年的傳統：今年春節假期從除夕到初五這六天，微信紅包收發(fā)總量為460億個(gè)。
“If we don’t consider red envelopes and [Alibaba] don’t count Taobao transactions, we don’tknow which one is bigger,” Zhang Ying, Tencent vice-president, told a conference in HongKong last month.
騰訊副總裁張穎上月在香港一個(gè)會(huì )議上表示：“如果我們不考慮紅包，（阿里巴巴）也不把淘寶交易算在內的話(huà)，我們不知道哪一個(gè)做得更大�！�
The battle for share in payments is less to do with profits — charges barely cover costs, according to one industry player — but in the value of the data gathered from spending habitsand financial information.
爭奪支付領(lǐng)域的市場(chǎng)份額在更大程度上不是為了利潤（據一位業(yè)內人士表示，在該領(lǐng)域，收費將將夠抵消成本），而是為了從用戶(hù)的支付習慣和金融信息中搜集有價(jià)值的數據。
Industry consultants attribute Tencent’s rise to the pervasive use of WeChat and merchants’ desire to avoid relying on one provider.
行業(yè)咨詢(xún)人士將騰訊的崛起歸因于微信的普及和商戶(hù)避免依賴(lài)一家供應商的愿望。
“The dominance of the Taobao and T-Mall ecommerce platforms initially helped make Alipaythe default digital wallet in China,” said Jeff Galvin, partner at McKinsey in Hong Kong.
麥肯錫(McKinsey)駐香港合伙人杰夫?高爾文(Jeff Galvin)表示：“起初，電商平臺淘寶和天貓(Tmall)的主導地位幫助讓支付寶成為中國默認的電子錢(qián)包。
“But now, as Chinese spend more and more time in the WeChat ecosystem — and they keepfunds in its wallet for peer-to-peer payments, in-app purchases, and other things — [WeixinPay] has really emerged as a peer competitor to Alipay.”
“但如今，隨著(zhù)中國人在微信平臺花費的時(shí)間越來(lái)越多，他們把錢(qián)存入微信錢(qián)包用于個(gè)人對個(gè)人支付、在應用內購物以及其他活動(dòng)，（微信支付）確實(shí)成為了支付寶的對等競爭對手�！�
Tencent has signed up physical stores this year, including Starbucks. Almost all of the USgroup’s 2,600 China cafés accept Weixin Pay — the one on Alibaba’s campus in Hangzhou beinga notable exception.
今年騰訊與包括星巴克(Starbucks)在內的實(shí)體門(mén)店簽約。星巴克在中國的幾乎所有2600家門(mén)店都接受微信支付，阿里巴巴杭州園區的門(mén)店是個(gè)顯眼的例外。
TenPay is the platform serving Weixin Pay; WeChat Pay, the overseas version; and QQ Wallet, its digital wallet.
財付通(TenPay)為微信支付、WeChat Pay（微信支付海外版）以及QQ錢(qián)包提供底層技術(shù)支持。
“TenPay has a clear path,” said Mr Zhang. “In 2014 we focused on hongbao. Last year we triedto develop the offline merchants. This year my objective is to cover more than 10m smallmerchants or stores in China.”
“財付通的路線(xiàn)很清楚，”張穎表示，“2014年，我們關(guān)注紅包。去年，我們努力開(kāi)發(fā)線(xiàn)下商戶(hù)。今年，我們的目標是覆蓋中國逾1000萬(wàn)家小商戶(hù)或店鋪�！�
Alibaba has fought back, building its own physical network — including overseas, where 110,000 shops accept Alipay. It says it has signed up more than 2m physical shops in Chinawith 10m merchants on Taobao using Alipay.
阿里巴巴已展開(kāi)回擊，該公司擴大了自己的實(shí)體門(mén)店網(wǎng)絡(luò )，包括在海外，有11萬(wàn)家店鋪接受支付寶。阿里巴巴表示，已與中國逾200萬(wàn)家實(shí)體店鋪簽約。有1000萬(wàn)家淘寶商戶(hù)使用支付寶。
Ant Financial, the Alibaba affiliate that runs Alipay, also points to its broader financial servicesofferings, such as money market fund Yu’e Bao, which now has Rmb1.14tn ($165.6bn) undermanagement, up from Rmb808bn in the fourth quarter of 2016.
管理支付寶的阿里巴巴關(guān)聯(lián)公司螞蟻金融(Ant Financial)還提到自己旗下的其他金融服務(wù)，例如貨幣市場(chǎng)基金余額寶，該基金現管理著(zhù)1.14萬(wàn)億元人民幣（合1656億美元）資金，2016年第四季度的這個(gè)數字為8080億元人民幣。