苹果钱包蓄势待发瞄准移动端支付市场

2014-09-11 14:44:08来源：可可英语

　　“Smartphones didn’t take off until Apple came in,” says Mary Monahan, research director formobile at Javelin. “Tablets didn’t take off until Apple came in. A lot of people are hoping that thisis a game changer.”

　　Javelin的移动产品研究总监玛丽o莫纳汉表示：“智能手机在苹果加入后才开始高速发展，平板电脑也是在苹果加入后才广泛流行起来。许多人希望苹果能够化腐朽为神奇。”

　　But recent publicity about hacking into Apple accounts of celebrities could pose a new obstaclefor the company.

　　但最近美国明星的苹果账户被黑事件传得沸沸扬扬，将会给苹果造成新的麻烦。

　　“For this to work, Apple has to garner much more confidence in the security of what theyoffer,” says Tim Bajarin, a veteran Apple analyst with Creative Strategies.

　　Creative Strategies的资深苹果分析师蒂姆o巴加林表示：“如果苹果要在移动支付领域取得成功，就必须在安全性上获得比现在多得多的信任。”

　　In the meantime, other parts of the mobile payment market are growing quickly. Javelinestimates consumers spend more than $56 billion in “mobile commerce” last year. Thecategory includes not only e-commerce purchases made with mobile phones or tablets, butalso purchases of services like rides through apps like Uber and Lyft, deliveries of food andmerchandise through apps like Postmates and Seamless GrubHub, and others. Those in-apppayments have quickly become a multi-billion business dominated by companies like PayPal’sBraintree and Stripe, one of the hottest payment companies to emerge in recent years.

　　与此同时，移动支付市场的其他领域正在蓬勃发展。Javelin估计消费者去年在“移动商务”上花费了超过560亿美元。这不仅包括使用手机或平板电脑完成的网上购物，还包括通过应用购买服务，如Uber和Lyft的打车服务、Postmates和Seamless GrubHub的食物和商品快递等等。这些通过应用实现的消费已经很快形成了规模达数十亿美元的市场。贝宝的Braintree以及近年来最炙手可热的支付公司Stripe成为了该领域中的领头羊。

　　Finally, mobile person-to-person payments, which are enabled by banks and by companies likePayPal and Square, are also growing, though the total number of transactions remain small. It’snot clear whether the iPhone’s mobile wallet will enable these kinds of transactions.

　　最后，由银行以及贝宝和Square等公司提供的个人对个人(p2p)移动支付也在日渐成长，不过该领域的交易总额仍然较小。iPhone的移动钱包是否会支持这类交易，目前尚不得而知。

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