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印度支付巨头花落谁家?

时间:2018.08.31 来源:http://www.weidaoshang.cn

商河做网站8月31日消息,谷歌支付近来正在不断提升自己竞争力,以期能够在印度这一规模庞大,增长快速的移动支付市场占据一席之地。据瑞士信贷预计,印度数字支付市场规模将在2023年时,成为继中国之后新的万亿美元支付市场。
On August 31st, Google Payments recently stepped up its competitiveness to gain a foothold in India's huge, fast-growing mobile payment market. Credit Suisse expects India's digital payment market to become a new trillion-dollar payment market after China by 2023.
谷歌支付这两天在印度宣布了多项举措,以提高自身竞争力。该公司把它们在印度的支付应用Google Tez更名为Google Pay,这将有助于谷歌支付将其在印度的支付业务与全球连通。另外谷歌支付还与联邦银行、HDFC银行、ICICI银行和Kotak Mahindra银行等四家印度银行合作为其用户提供即时贷款。
Google has announced a number of initiatives in India over the past two days to enhance its competitiveness. The company renamed its payment application in India Google Tez to Google Pay, which will help Google pay to connect its payment business in India to the world. Google Payment also works with four Indian banks, including Federal Bank, HDFC Bank, ICICI Bank and Kotak Mahindra Bank, to provide instant loans to its users.
根据谷歌的数据显示,该公司在印度的支付应用已经有2200万的月活用户了。不过在印度支付市场中,巨头争霸的战火正在逐渐升温,谷歌支付能否在这场战争中生存下来还是个未知数。
According to Google's data, the company's payment application in India already has 22 million monthly users. But in the Indian payment market, the battle for the hegemony is getting hotter, and whether Google will pay to survive the war is still uncertain.
Paytm是印度最大的数字支付公司,应用下载量已经超过了1.5亿次。它因为推出较早,在印度2016年的废钞运动中获得了极大的好处,而且背后还有阿里巴巴的技术支撑,目前正遥遥领先。然而Paytm因为拥有印度支付银行牌照,用户在注册使用上更为复杂,较难操作,且还面临着印度监管部门的强监管。最近,Paytm就因为程序不合规,被临时禁止接受新用户。

Paytm is the largest digital payment company in India with more than 150 million downloads. It has benefited greatly from India's early scrap campaign in 2016 and is now well ahead of Alibaba in terms of technology. However, Paytm is more complex and difficult to operate because of its Indian Payment Banking License, and faces strong supervision from Indian regulators. Recently, Paytm was temporarily prohibited from accepting new users because of procedural irregularities.

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而与谷歌同为美国巨头Facebook旗下的WhatsApp是印度最大聊天应用,在今年2月其已经面向100万人测试了它的支付服务。未来,WhatsApp作为印度最受欢迎的社交软件,或许能像微信支付在中国一样在印度迅速占据市场大量份额。不过这些外国巨头将面临着,印度政府可能要求的数据本地储存的难题。
WhatsApp, the largest chat app in India with Google and the US giant Facebook, tested its payment service for 1 million people in February. In the future, WhatsApp, India's most popular social software, may be able to quickly gain a large share of the market in India, just like Wechat Payment in China. However, these foreign giants will face the problem of local storage of data that the India government may require.
此外,印度国有资本也已经进军数字支付市场,印度政府在数字支付领域的代言人BHIM,下载量已超过3200万次。该公司利用总理莫迪来推广品牌,也是银行和国有电力企业的设定交易目标,然而其补贴较少,难以像paytm等民营支付企业一样一直吸引用户。而另一国有支付企业Next in Line,则是由国有邮政部门设立,已在其650家分行运行,其最大的优势就是可以通过成千上万的邮递员深入偏远地区发展用户。
In addition, India's state-owned capital has also entered the digital payment market, the Indian government spokesman in the field of digital payment BHIM, has more than 32 million downloads. The company uses Premier Moody's to promote its brand and is a trading target set by banks and state-owned power companies, but with fewer subsidies, it is difficult to attract customers like private payment companies such as Paytm. Next in Line, another state-owned payment company, is set up by the state-owned postal service and operates in 650 branches. Its greatest advantage is that it can reach far-flung users through thousands of postmen.
目前,印度支付领域已经处于群雄并起的状态,各方面的资本都连连出手,谷歌支付未来能否在这一竞争激烈的战场上生存下来,甚至成为新一代印度支付巨头,让我们拭目以待。
At present, India's payment sector has been in a state of coexistence, all aspects of the capital are even out of hand, Google payment in the future to survive in this competitive battlefield, and even become a new generation of Indian payment giants, let us wait and see

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