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移动支付领域数据之争:或成全球趋势 中国已领跑
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Topic: 移动支付领域数据之争:或成全球趋势 中国已领跑 (Read 108 times)
bunsd
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移动支付领域数据之争:或成全球趋势 中国已领跑
October 23, 2017, 02:57:51 AM
#1
近日,日本几家银行宣布,计划在2020年东京奥运会之前推出一种新型数字货币,该货币暂名“J币”。J币由瑞穗金融集团和日本邮政银行牵头的银行财团发起,目前已获得日本央行和金融监管机构的支持。
按照构想,J币不仅可以实现和日元的等值交换,还可与银行账户绑定。用户通过手机APP从自己的银行账户上提钱,就可以直接转换成J币,在便利店或餐厅结账的时候就可以使用,个人之间的转账不会产生手续费。
业内人士认为,日本金融此举是为了应对阿里巴巴在移动支付领域对于其本土机构构成的威胁。
据支付宝相关数据显示,今年国庆使用支付宝在境外消费的笔数是去年同期的8倍多,人均消费金额也大幅提升了近50%。
阿里巴巴表示, 2018年春季还将在日本推出基于智能手机的电子结算服务,力争3年内赢得1000万名用户。除了日本,支付宝和微信等还在世界多地布局,近期巴黎老佛爷百货也上线了微信支付,并且以较低的汇率吸引消费者支付。
移动支付领域的数据之争
“支付之争实质上是数据之争。” 中央财经大学中国互联网经济研究院副院长欧阳日辉认为,日本金融机构推出J币,维护金融安全是首要考虑。移动支付能够收集大量宏观数据,对于政府制定财政政策和货币政策具有重要的指导意义。
从经济发展来看,欧阳日辉表示,移动支付数据的分析能够深度了解消费者的消费习惯、场景和模式,有利于企业进行精准营销。基于支付技术演化出的例如互联网理财等众多金融科技模式,市场规模巨大,为了维护本国金融企业发展,也是推出J币的原因之一。
此前日本金融机构也表示,J币的管理公司会将用户购物和转账的记录收集在大数据之中。然后将其加工成匿名数据,与其他企业和银行共享,并应用到商品开发和价格战略当中。
欧阳日辉介绍,J币实质上是日元数字化的一种形式,J币直接与日元挂钩,可以实现J币与日元自由兑换,进而赋予了J币价值,避免因为市场供求变化而导致的类似于比特币式价值的过度波动,提供了J币的可信度。
“由日本多家大型银行共同主导,并得到日本政府金融机构以及中央银行的支持,使得J币能够有国家信用做担保。”欧阳日辉认为,J币支持线上线下各种支付场景,实行无手续费跨行转账,流通成本低、使用场景优于支付宝和微信、流通性强于传统纸币。
beijihu
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Re: 移动支付领域数据之争:或成全球趋势 中国已领跑
October 23, 2017, 03:25:18 AM
#2
单在国外机场和商店很多地方都已经可以使用支付宝,免除了找换外币的手续,支付宝未来肯定超越VISA和MASTER
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