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不論出于巧合還是精心籌劃，蒂姆?庫克選擇的時機都再好不過。蒂姆?庫克支持客戶隱私的立場，對蘋果支付產生了推動作用，盡管其遠遠落后于競爭對手支付寶。 上周二，蘋果公司CEO蒂姆?庫克拒絕了美國聯邦法院要求蘋果公司破解一名恐怖分子的iPhone手機的命令。 一位忠實讀者Jake_in_Soul在評論中這樣寫道： “蒂姆?庫克的做法（我完全支持）引起了韓國和中國媒體極大的興趣和認可，而且東亞高科技公司的態度一貫較為軟弱，因此此舉大幅提高了蘋果公司的信譽。巧合的是，今天也是蘋果支付（Apple Pay）登陸中國（我目前正在中國）的日期，引發了媒體的大肆宣揚。蒂姆?庫克支持客戶隱私的立場，對蘋果支付產生了推動作用，盡管其遠遠落后于競爭對手支付寶。” 這是杰克的直接體會。我對此事的了解大部分來自WestEnd511在Seeking Alpha網站上發表的文章《蘋果支付在中國：見光死》。據我所知，支付寶（Alipay）和微信支付（WePay）有超過6億用戶，并且占有80%的市場份額，它們對中國市場有著深遠而又廣泛的影響力。 例如，支持微信支付的包括：“30,000家超市，1,500家百貨商店，50,000家便利店和500家購物中心，支持使用微信支付進行零售消費。此外，還有80,000家餐廳、咖啡店和快速服務餐廳，400,000個停車場，3,000座加油站，440,000臺自動機票購票機，1,000家公共交通售票點，醫院，20,000家藥店和26家快遞運營商均支持微信支付。” WestEnd511總結道，蘋果唯一的機會是與中國銀聯（UnionPay）合作。中國銀聯已經發行了45億張銀行卡和信用卡，并且幾乎控制了中國所有自動提款機。 蘋果表示，中國的部分商戶，如7-11、肯德基（KFC）、麥當勞（McDonald’s）和漢堡王（Burger King）等，均已經接受蘋果支付。熱門購物引用京東（JD.com）預計也將很快支持蘋果支付。 但要想吸引消費者開始使用蘋果支付服務，蘋果公司面臨一個巨大的挑戰。在移動支付領域，中國市場競爭激烈。從阿里巴巴（Alibaba）分拆出的螞蟻金服（Ant Financial）運營的移動錢包支付寶，在中國有4億用戶。騰訊（Tencent）也提供移動錢包服務財付通（Tenpay）。據研究公司易觀智庫（Analysys）統計，在中國移動支付市場，支付寶所占的份額約為45%，而騰訊的份額約為19%。（財富中文網） 譯者：劉進龍/汪皓 |
On Wednesday, the day after Apple CEO Tim Cookchallenged a U.S. federal court order to hack into a terrorist’s iPhone, longtime reader Jake_in_Soul posted this note in my comment stream: “Tim Cook’s action (which I support completely) is garnering much interest and approbation in the South Korean and Chinese press, and redounds greatly to Apple’s credit given the generally craven position of hi-tech companies here in East Asia. Coincidentally, this is the day that Apple Pay launches in China (where I currently am) with great press fanfare. Tim Cook’s stand in favor of customers’ privacy should give Apple Pay a boost, although it starts far behind rival AliPay.” Jake knows this stuff first-hand. Most of what I know I learned yesterday from reading WestEnd511’s Apple Pay In China: Dead On Arrival at Seeking Alpha. I learned thatAlipay and WePay, with more than 600 million users and 80% of the market between them, have spread their tendrils deep and wide. WePay. For example, is accepted at: “30,000 supermarkets, 1,500 department stores, 50,000 convenient stores and 500 shopping malls for typical retail spending. There are an additional 80,000 restaurants, cafes and QSRs, 400,000 parking lots, 3,000 gas stations, 440,000 automated air ticketing machine, 1,000 transit ticket sellers, hospitals, 20,000 pharmacies and 26 postal carriers where WePay is accepted.” Apple’s only chance, WestEnd511 concludes, is to team up with UnionPay, which has issued 4.5 billion bank and credit cards, and controls every cash machine in China. Apple said that some merchants Chinese locations, including 7-Eleven, KFC, McDonald’sand Burger King, are already accepting Apple Pay. Popular shopping app JD.com is expected to add support for Apple Pay in the near future. However, Apple has a challenge ahead in enticing consumers to start using its services. China is a very competitive battleground when it comes to mobile payments. Alipay, a mobile wallet operated by Alibaba spinoff Ant Financial, has 400 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 in China was around 45%, with Tenpay commanding nearly 19%. |
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