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为什么科技巨头纷纷涉足金融领域 – 译学馆
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为什么科技巨头纷纷涉足金融领域

Why Big Tech Is Getting Into Finance | WSJ

Big Tech has its eyes set on your wallet.
科技巨头已经盯上了你的钱包
Apple has a credit card.
苹果开通了信用卡业务
Facebook is trying to introduce its own currency.
脸书正尝试推行自己的货币
And Google has plans to offer checking accounts
以及谷歌计划在2020年推出
to users of its digital wallet in 2020.
向用户的数字钱包提供支票账户
You can do a lot with a wallet in your phone,
你可以用手机钱包做许多事情
like boarding a train or
比如乘坐火车
So tech firms are offering services
所以科技类公司正在提供
that are usually associated with banks,
通常与银行相关联的服务
but they’re doing it differently.
但它们的服务方式很不同
It’s really about data.
这其实就是数据服务
When a company like Apple or Google
当一个 如苹果或谷歌的公司
processes a payment for you,
为你处理付款时
they find out a lot about you
它们会获取你很多信息
They know what you bought, where you bought it
他们知道你可能会买什么 在何处购买
what time of the day or what day of the month you’re likely to spend money,
在一天的什么时间 或一个月的哪一天消费
and that’s really valuable information for advertisers
对广告商来说 这些信息很有价值
Also, banking is another way for tech firms
科技公司通过发展金融业
to draw customers further into their universes
更加拉近了与顾客间的距离
So Facebook started out as a way to talk to your friends
比如 脸书一开始用来与朋友聊天
and then became a place you shared baby photos with your grandparents.
然后变成了你和祖父母分享婴儿照片的地方
And now you can shop on Facebook properties
如今你还能在脸书上购物
you can message, Instagram, WhatsApp.
你可以发短信 发Ins 登录WhatsApp
Amazon is the same way.
亚马逊也是一样
It started out as a big store,
最初它是一个大型商店
and now they make home speakers,
现在它们也生产家用音响
they make original movies and television shows.
还会制作原创电影和电视节目
So these companies all started off with one thing
所以 这些公司都从一种服务开始
and they’re adding more things around it
然后以此为中心 增加更多服务
and finance is kind of the last frontier.
金融将是其发展的最终领域
As more people change their banking habits,
随着越来越多的人改变了理财习惯
tech companies say they can bring something to the table.
科技公司声称 他们能带来些有价值的东西
Google says it will build helpful tools
谷歌表示 它将在依靠合作伙伴关系的同时
while relying on partnerships
研发有效的工具
to navigate the financial world.
以此畅游金融世界
For its part, Apple promises to eliminate fees
至于苹果方面 它承诺消除
for its credit card, and give you cashback instantly.
使用信用卡的费用 并立刻向你支付现金
And the Apple Pay app will have charts
苹果支付将借助表格
that help users track their buying habits.
帮助使用者追踪他们的消费习惯
Meanwhile, the Facebook-backed Libra Association
同时 脸书旗下的Libra协会声明
says that using a blockchain to process transactions
他们将使用区块链来处理事务
could make cross-border payments cheaper and faster.
由此使跨境支付更便宜 更快速
The company says its planned crypto currency, Libra,
该公司表示 其计划中的加密货币Libra
could provide banking services for billions of people.
能为数以百万的人提供金融服务
That plan has faced headwinds.
但该计划目前却遇到了阻力
Several early partners dropped from the project
一些早期搭档退出了这个项目
and US Fed chairman Jerome Powell raised concerns with the plan,
美联储主席杰罗姆•鲍威尔 也对这项计划表示担忧
saying that Facebook’s size could make Libra immediately,
他认为凭脸书公司的规模 他们能即可发行Libra
systemically important.
因为这事关大局
That size is on display in the other services too.
如今 其他服务产业的规模也越做越大
According to projects from Juniper Research,
据Juniper的研究项目显示
Google Pay is on track to have 100 million users worldwide in 2020.
谷歌支付有望于2020年在全世界达到一亿用户
By that time, Apple Pay could have 227 million users.
那时 苹果支付大约有2.27亿用户
Both would be huge increases from 2018.
两者的用户数都将巨幅增加
These tech companies are already really big
这些科技公司的规模已经很大
and some regulators think too big.
一些监管机构认为它们的规模过于庞大
Several US regulatory bodies
有好几家美国监管体系
already have antitrust investigations into Google,Apple, Facebook
已经对谷歌 苹果 脸书
and other big companies.
和其他大型公司进行反垄断调查
Their push into banking could sharpen those concerns.
公司们试图挤进金融业或将加剧这一现状
And public trust is an issue too.
并且 公众信任也是一个问题
A poll from McKinsey and Company suggests
麦肯锡公司的一项民意调查显示
that a slight majority of respondents would trust Google and Apple
略多数的调查对象 信任谷歌和苹果
to handle their finances,
有能力帮助用户理财
but Facebook fared less well.
但脸书的表现却不理想
Some people are already wary of
有一些用户已经心存戒备
giving tech companies access to their location and their photos.
不敢给科技公司授权 访问他们的位置和照片
Financial data is just way more personal.
更别提财务信息这种更私人的东西了
More concerns over privacy and power
更多关于隐私与权利的问题
will be on display as tech firms get into finance.
会在科技公司涉足金融业后浮现
The data are valuable,
这些数据很有价值
and increasingly, they’re in the hands of a few tech companies.
并且 这些价值越来越多地被科技公司收入囊中

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视频概述

随着科技发展,众多科技公司从单一服务正向多元化服务转型,而金融往往是它们的最终领域。本视频以苹果,谷歌,脸书等科技公司为例向大家详细介绍向金融领域转型的科技公司。

听录译者

收集自网络

翻译译者

賈本环奈

审核员

审核员LG

视频来源

https://www.youtube.com/watch?v=0KFpUZT7go4

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