科技公司挑戰傳統銀行 紛紛入局支付大戰大綱

Big tech groups are now working to cut out banks as the middlemen, threatening to turn legacy financial institutions into the dumb pipes that feed the back-end infrastructure of firms such as Amazon, Google or Facebook.
如今，大型科技集團正努力把作爲中間人的銀行擠掉，威脅要把這種歷史悠久的金融機構變成向亞馬遜、谷歌或臉書等公司提供後臺基礎設施的“無聲通道”。

"The days when a single channel for financial services was controlled by banks are coming to an end," said David Parker, head of banking at Accenture UK and Ireland.
埃森哲英國和愛爾蘭地區銀行業主管戴維·帕克表示：“銀行控制唯一金融服務渠道的日子就要結束了。”

"Companies like Google, Amazon, Facebook and many others who have much more intimacy with their customers will be able to demand and create better services", said Parker.
帕克稱：“谷歌、亞馬遜、臉書及其他許多與客戶擁有親密得多的關係的公司，將有能力要求和打造更好的服務。”

"In the short term, this will be the equivalent of small fish nibbling away at parts of a bank's services, but in the longer-term, most banks are worried".
“從短期來看，這相當於小魚在蠶食銀行的部分服務，但從更長遠的角度來看，大多數銀行都很擔憂。”

"It will become attractive for tech firms to pick off parts of the bank - Amazon lending to small merchants, Google putting a buy button in its adverts, Facebook facilitating money transfers."
“對科技公司而言，取代銀行的各個部分將變得有吸引力——亞馬遜向小商家提供借貸，谷歌在廣告上添加購買按鈕，臉書使轉賬更爲便利。”

Amazon's payment service is already advancing steadily: today, it allows online vendors on its Marketplace site to take payments across the US and Europe, and also makes small loans to its US merchants through its B2B arm, Amazon Business. The division was recently launched in Germany, although it does not make loans in Europe yet.
亞馬遜支付服務已經在穩步推進：現在，亞馬遜旗下平臺Marketplace上的在線商家可以在美國和歐洲範圍內收款，亞馬遜還通過旗下的企業對企業(B2B)平臺Amazon Business向美國商家發放小額貸款。這個業務分支已經開始在德國運營，儘管還未在歐洲開展貸款業務。

In 2016, the e-commerce firm rolled out "Pay with Amazon" across France, Italy and Spain — a PayPal-like service that allows users to pay for non-Amazon purchases including government services, insurance and travel, using their Amazon login on thousands of third-party websites.
在2016年，這家電商公司在法國、意大利和西班牙推出了“Pay with Amazon”服務--這種類似PayPal的服務允許用戶使用他們的亞馬遜賬戶登錄數以千計的第三方網站，爲非亞馬遜消費付款，包括政府服務、保險和旅遊等。

In 2016, payment volume on this service nearly doubled and was used by 33 million customers, Amazon said.
亞馬遜表示，2016年該服務的支付金額總數幾乎增長一倍，使用該服務的用戶達到3300萬。