阿里巴巴等5大平台或将能左右未来支付方式

2014-06-04 15:52:52来源：可可英语

　　一个巨大的机遇正在出现。移动设备会重新定义商业方式。史蒂夫o乔布斯重新定义了零售体验。我认为，商务和移动设备将会以指数增长的形式带来更加具有革命性的变化。初创公司有机会重新定义移动设备的力量，这真是不可思议。业务规模很重要，不过如果你有点子，你现在就可以联系那些能够驱动这种规模的公司。显然，现在有五大平台将会扮演举足轻重的角色，成为强大的力量：亚马逊(Amazon)、苹果(Apple)、谷歌(Google)、Facebook和阿里巴巴(Alibaba)。越来越多的初创公司将会与这些服务商合作，从而迅速扩大自己的规模。

　　How does the competitive landscape change?

　　竞争格局将会发生什么变化?

　　I think it's important to understand the payments industry and commerce is going through fundamental change. You are seeing a blurring of commerce, mobile, payments, and a convergence of online and offline. In the near term, plastic is not going to go away. You are going to see a demarcation between payment companies. There are going to be those that stay in the status quo, and they're going to focus on facilitating payments. That is a mistake. They will be reduced to a commodity. There will be those companies who will focus on the entire commerce journey, and that's us.

　　我认为，要明白支付业和商务即将经历翻天覆地的变化，这一点十分重要。大家正目睹着商务、移动设备和支付的界限日益模糊，线上和线下也开始整合。短期内，塑料信用卡并不会被淘汰。大家会看到支付公司之间产生分化。有些公司会维持现状，他们会专注于推动支付行业的发展。但这是错误的。他们最后会退化成一种商品。还会有一些公司将会注重全部的商业流程，我们就是其中之一。

　　I'll give you one example of how payments has changed: Uber has changed payments. Infrastructure hasn't changed at all, but the experience is frictionless and seamless, and you don't even know you're consummating a payment.

　　我来给你举个例子，告诉你支付行业已经发生的改变：Uber已经改变了支付的形式。那些基本的东西没有改变，但是这种体验是顺畅无缝的，你甚至都不知道你已经完成了支付。

　　We have the largest integrated global payments platform. We bring together users, card members, and merchants, and the data is incredibly valuable. We know where they spend online and offline. We want to deliver benefits and services when our card members want it, where, and how they want it.

　　我们拥有最大的集成式全球支付平台。我们让用户、持卡者和商人聚在了一起，他们的数据具有无与伦比的价值。我们知道他们在哪里进行线上和线下消费。无论我们的持卡者希望在何时何地、用何种方式获得我们提供的实惠和服务，我们都希望能满足他们的需求。

　　Let's talk about Uber. I use it, and just noticed this morning that when I pulled up Google Maps to get directions to this venue, the app offered me the option to call Uber. As a consumer, I was dealing with the Google brand and the Uber brand. Yes, I made the payment on my American Express card, which is linked to my Uber account, but the AmEx brand didn't come into my line of sight. Is that a good or a bad thing for AmEx?

　　我们谈谈Uber吧。我用过它，今天早上我用谷歌地图导航到这个会场，发现谷歌地图可以让我选择使用Uber。作为一名消费者，我同时接触到谷歌品牌和Uber品牌。是的，我是用与Uber账户关联的美国运通卡付的钱，但是我没有看到美国运通的商标。这对运通来说是好是坏?

本文关键字: 阿里巴巴等5大平台或将能左右未来支付方式