比特币在政治上和技术上是革命性的。对于有些人来说也一直利润丰厚。但对于一般的消费者来说，有一个重要的问题：“为什么比特币比我已经得到的更好”
在英国，一个新的支付系统，人们只使用手机号码汇款到对方，使得刚才的问题更难回答。
英国最大的九个银行支持PAYM系统，超过30万人次可以使用它。它使人们寄钱给对方电话号码，而不必记住银行账户资料;所有需要的只是一个移动电话号码。
要使用PAYM ，要在您的银行注册你的号码，并选择帐户使用手机号码来收发钱。从此，朋友们将能够通过他们的银行应用程序轻松寄钱给你。
该系统和Barclay’s Pingit 应用程序非常相似，但不像Pingit ，它不局限于单一银行。PAYM 和苏格兰哈利法克斯，汇丰银行，巴克莱银行，劳埃德银行，桑坦德和TSB银行九个银行之间签订了协议。
苏格兰皇家银行，国民西敏寺银行和其他银行将在今年晚些时候加入该计划。目前有一种最多发送250英镑限制 – 但有些银行可以允许更高的限制。
评论：但是PAYM 无法实现国际发送，货币总量限定. 还不是一个量级的发明。
New Mobile Payment System ‘Paym’ Poses Challenge for Bitcoin
from coindesk
Bitcoin is revolutionary, both politically and technologically. For some it has also been hugely profitable. But for your average consumer, there is really only one important question: “Why is it better than what I’ve already got?”
A new payment system in the UK, which allows people to send money to each other using only mobile numbers, has just made answering that question even harder.
The system, Paym, is supported by nine of the UK’s biggest banks and is available to over 30 million people. It allows people to send money to each other digitally without having to remember bank account details; all that is needed is a mobile number.
To use Paym, you register your number with your bank and choose the account you want money to be deposited in when it is sent to your mobile number. From then on, friends will be able to send money to you easily via their banking app.
The system is very similar to Barclay’s Pingit app, but unlike Pingit, it isn’t restricted to a single bank. Bank of Scotland, Halifax, HSBC, Barclays, Lloyds, Santander and TSB are among the nine banks signed up.
RBS, NatWest and other banks will join the scheme later this year. Currently there is a £250 limit – but some banks may allow higher limits.
Convenient choice
In short, Paym is easy to use, it’s convenient and it’s useful. It is also presents a big challenge to advocates of bitcoin.
A currency that isn’t controlled by the state undermines government authority; a decentralized method of transferring ownership of digital assets is a great technological opportunity; but the more the banking sector does to make payments convenient for customers, the case for bitcoin as a rival weakens.
The reality for your average consumer – in the UK, at least – is that PayPal is a really convenient way of spending money online, touchless payments with modern debit cards are actually a very fast way of making purchases and, now, sending money to your friend is as straightforward as looking up their phone number.
“Paying someone back just got easier for millions of people,” said Adrian Kamellard, Chief Executive of the Payments Council.
If bitcoin is to prosper, bitcoin businesses will have to show they can make it far easier still.
Phone image via Shutterstock
本文固定链接: 三个硬币 |
http://www.3-coin.com/2014-04-30/1333/
