支付：杰克?多爾塞

Square公司CEO兼創(chuàng)始人

????只要有一個(gè)點(diǎn)子，就能徹底改變我們思考的方式。而到目前為止，34歲的杰克?多爾塞已經(jīng)有過(guò)兩次這樣的機(jī)會(huì)。2006年，多爾塞創(chuàng)建了微博網(wǎng)站Twitter，目前他依然是該網(wǎng)站的產(chǎn)品主管。他的第二次創(chuàng)業(yè)是Square，這是一項(xiàng)手機(jī)支付服務(wù)，可以替代傳統(tǒng)的信用卡讀卡機(jī)設(shè)備、商業(yè)銀行賬戶和辦公電腦。

????在使用Square時(shí)，用戶只需在iPhone、iPad或安卓設(shè)備中插入一個(gè)免費(fèi)的方形塑料接收器，就能把它變成一個(gè)手機(jī)信用卡讀卡器。這項(xiàng)服務(wù)對(duì)于那些通常不帶信用卡的小商戶來(lái)說(shuō)絕對(duì)是福音。而更吸引人的是，這家創(chuàng)業(yè)公司不收取交易手續(xù)費(fèi)，不過(guò)每筆交易，它會(huì)從中抽取2.75%的提成。

????2009年，多爾塞與人合作成立了Square。目前，公司的日交易額達(dá)到300萬(wàn)美元，這意味著公司每年的利潤(rùn)在3，000萬(wàn)美元左右。每個(gè)月新注冊(cè)的小企業(yè)超過(guò)50，000家。近期，Square獲得了1億美元風(fēng)險(xiǎn)投資，使公司的市值翻了四倍，達(dá)到10億美元。

????公司早期成功的關(guān)鍵因素便是多爾塞本人，他現(xiàn)在每天至少都會(huì)花8個(gè)小時(shí)用于打理Square公司，而另外8個(gè)小時(shí)則用于領(lǐng)導(dǎo)Twitter的產(chǎn)品開(kāi)發(fā)。Square公司COO基思?拉布伊斯表示：“對(duì)于復(fù)雜的問(wèn)題，許多人也會(huì)給出復(fù)雜的答案。但杰克卻與眾不同，因?yàn)樗馨逊浅?fù)雜的功能簡(jiǎn)化成精煉而又簡(jiǎn)潔的解決方案，并且‘效果非常好’，但事實(shí)上，做到這一點(diǎn)難度更大。”

Payments: Jack Dorsey

CEO and founder, Square

????It only takes one great idea to radically change the way we think. Jack Dorsey, 34, has had two so far. In 2006 Dorsey created the microblogging network Twitter, where he still serves as product chief. His new venture is Square, a mobile payment service that replaces the traditional payment apparatus of credit card reader machines, merchant bank accounts and back-office computers.

????To use Square, merchants simply plug a free plastic square-shaped dongle into an iPhone, iPad or Android device, turning it into a mobile credit card reader. The service has been a particular boon for smaller merchants who don't normally take plastic. Even more enticing, the startup doesn't charge flat transaction fees, though it does scrape 2.75% from each transaction.

????Dorsey co-founded Square in 2009. Today the company processes $3 million in daily transactions, which implies annual revenues of around $30 million. More than 50,000 small businesses are signing up each month. Square recently nabbed an additional $100 million in venture funding, quadrupling the company's value to $1 billion.

????The crucial element in this early success is Dorsey himself, who currently puts in at least eight hours a day running Square, plus another eight-plus hours leading product development at Twitter. "Many people come up with complicated answers to complicated problems," says Square COO Keith Rabois. "Jack is extraordinary in that he's able to reduce a very complicated set of features into a very elegant but simple solution that `just works,' which is orders of magnitude more difficult."