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蘋果支付簽約四大行 明年2月進(jìn)中國(guó)

蘋果支付簽約四大行 明年2月進(jìn)中國(guó)

Leena Rao 2015年11月25日
最新報(bào)道稱,蘋果正與中國(guó)四大國(guó)有銀行協(xié)商,計(jì)劃明年2月在內(nèi)地推出移動(dòng)支付服務(wù)Apple Pay。

據(jù)《華爾街日?qǐng)?bào)》報(bào)道,蘋果將中國(guó)看作下一個(gè)拓展移動(dòng)支付的國(guó)際市場(chǎng),已經(jīng)與包括中國(guó)工商銀行、中國(guó)銀行在內(nèi)的四大行簽訂協(xié)議,方便iPhone、iWatch和iPad用戶在Apple Pay中關(guān)聯(lián)個(gè)人銀行賬號(hào)。

Apple Pay已于2014年上線。美國(guó)、英國(guó)、加拿大和澳大利亞的iPhone 或Apple Watch用戶將信用卡和借記卡的信息上傳到“移動(dòng)錢包”后,如果商家安裝了支持近場(chǎng)通信(NFC)的收銀機(jī),用戶就可以用蘋果設(shè)備直接完成支付。如果程序員在開發(fā)時(shí)將支付服務(wù)整合在應(yīng)用里,用戶在購買應(yīng)用內(nèi)商品時(shí)也可以通過Apple Pay賬戶直接付款。

蘋果最近與金融服務(wù)業(yè)巨頭簽署了協(xié)議,要將支付服務(wù)范圍擴(kuò)大到加拿大、澳大利亞、西班牙、新加坡和中國(guó)香港。

然而,中國(guó)市場(chǎng)對(duì)蘋果越來越重要。截至今年9月末的第四財(cái)季,蘋果在華的營(yíng)業(yè)收入激增近一倍,達(dá)到125億美元。蘋果首席執(zhí)行官蒂姆·庫克最近表示,中國(guó)終將成為蘋果在全球最大的市場(chǎng)。

中國(guó)的移動(dòng)支付領(lǐng)域競(jìng)爭(zhēng)激烈。阿里巴巴旗下螞蟻金融服務(wù)集團(tuán)運(yùn)營(yíng)的“支付寶”擁有超過3.5億用戶。互聯(lián)網(wǎng)巨頭騰訊也有叫“財(cái)付通”移動(dòng)錢包服務(wù)。據(jù)研究機(jī)構(gòu)易觀智庫統(tǒng)計(jì),在國(guó)內(nèi)移動(dòng)支付市場(chǎng),支付寶的市場(chǎng)占有率約為45%,財(cái)付通占據(jù)將近19%。蘋果可能正考慮與螞蟻金服或騰訊合作。

以搜索引擎起家的美國(guó)科技業(yè)巨頭谷歌也一直密切關(guān)注中國(guó)市場(chǎng)。有報(bào)道稱,谷歌正與螞蟻金服合作,聯(lián)手開拓旗下應(yīng)用商店Google Play在華業(yè)務(wù)。

蘋果已拒絕就上述相關(guān)報(bào)道發(fā)表評(píng)論。

譯者:Pessy

校對(duì):夏林

Apple is eyeing China as the next international market for its mobile payments technology, according to The Wall Street Journal.

Apple has already inked deals with China’s four largest state-run banks, including Industrial & Commercial Bank of China and the Bank of China, says the report, which would allow iPhone, iWatch, and iPad users to connect the payments service to their bank accounts.

Introduced in 2014, Apple Pay AAPL 0.96% lets users upload credit and debit card information to a “mobile wallet.” Customers can then use their iPhone or Apple Watch to pay at retail stores in the U.S., U.K., Canada, and Australia that have point-of-sale registers equipped with near field communication technology, known as NFC. People can also use their Apple Pay accounts to pay for items within apps if the app developer has integrated the service.

Apple recently inked deals with financial services giant to expand the service into Canada, Australia, Spain, Singapore, and Hong Kong.

However, China is increasingly an important market for Apple. The company’s fourth quarter in China doubled to $12.5 billion, and CEO Tim Cook recently said that China will eventually be Apple’s top market in the world.

In terms of payments, China is a competitive battleground. Alipay, which is a mobile wallet operated by Alibaba BABA -0.55% spinoff-Ant Financial, has over 350 million users in China. Tencent also offers a mobile wallet called Tenpay. According to research firm Analysys, Alipay’s share of the mobile payments market was around 45%, with Tenpay commanding nearly 19%. Apple could be considering partnering with Ant Financial or Tencent.

Search giant Google GOOG -1.02% has also been eyeing China, and is reportedly partnering with Ant Financial for expansion of its app store, Google Play, in the country.

Apple declined to comment to Fortune on the report.

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