苹果公司将推出P2P交易平台Apple Cash!

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苹果公司将推出P2P交易平台Apple Cash!返回

时间:2017-05-09 浏览量:170人次 文章来源:凤凰财经

近日ReCode发布报告称,称苹果公司正在开发P2P交易平台Apple Cash,将与Paypal及其子公司Venmo正面交锋。目前,苹果公司正在就该服务与多家银行谈判,包括摩根大通、第一资本金融公司(Capital One Financial)、富国银行、美国合众银行,预计该软件将于今年上线。

苹果考虑推出的这项服务允许消费者通过苹果设备,从他们的活期存款账户中向其他人转账。该服务很有可能会连接到苹果的 Pay系统,允许用户使用他们的手机进行信用卡和借记卡支付。

该份报告显示,面对市场竞争,苹果的支付业务扩展可帮助苹果吸引更多的年轻用户,尤其对于大学生和广大青少年具有很大吸引力,但苹果封闭的操作系统在实际应用中,可能会限制其支付平台业务的扩展。

有业内人士指出,此举属于苹果为抓牢消费者而采取的又一项措施。苹果想要让消费者使用他们的iPhone满足日常需求,包括金融服务。这也代表了银行和其他提供商为了让消费者摆脱现金和支票支付,而进行的最新尝试。现金和支票目前依旧是人们用来向其他人付款的最常用方式。

许多其他硅谷巨头也在试图帮助消费者实现这种转变。除Venmo外,谷歌、移动支付创业公司Square以及Facebook也提供P2P支付服务。Venmo是增长最快的支付服务之一。支付行业咨询公司Aite Group发布的报告显示,Venmo目前在移动P2P支付市场的份额为19%。用户使用Venmo通过关联银行账户转账一般是免费的,但是信用卡和部分借记卡收取3%的费用。Venmo应用的收款服务始终免费。

此外,苹果公司旗下的支付软件Apple Pay今年来在中国等国际市场的欠佳表现是该公司决定推出Apple Cash的原因之一。据Business Insider在此前发布的报告显示,自2014年以来,iPhone 6用户中使用Apple Pay呈逐渐下降态势。

ReCode is out with a report that Apple (NASDAQ:AAPL) is expected to push further into the Fintech space by providing a Venmo-like peer to peer money transfer service. Jason Del Rey, writing for ReCode, predicted the new service would be called Apple Cash – thus following a consistent naming protocol as Apple already has “Apple Pay” – a service that is used by millions of consumers around the world.

This is pretty much a lay-up for Apple. They have been kicking around the Fintech space for some time now. The formation of Financial Innovation Now (FIN) tipped off the entire planet they were serious about pushing further into financial services. And to be clear, Apple is no trailblazer in doing this as big tech in China has been moving into the financial services (or internet finance as the Chinese call it) space for years. It just simply makes sense. The biggest challenge for Apple is the myriad of regulations they must endure to launch any type of financial service. The most challenging regulatory regime is the U.S of A and its byzantine cornucopia of agencies and commissions. But then Apple is the largest company in the world with plenty of resources to back up any new and innovative Fintech service.



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