亚马逊支付:银行业新思维诊断白皮书
引用次数: 2
摘要
数字革命正在以一种无缝的无形模式改变着人们做事的方式。支付作为日常交易中不可或缺的一部分，发挥着重要作用，无疑引起了亚马逊、金融科技和银行等许多零售巨头的注意，这些巨头正在慢慢追赶。互联网、技术和人的普及为更快的颠覆铺平了道路。这些法规及其影响在亚马逊、谷歌和几家金融科技公司等新参与者日益取得的成功中显而易见，他们以客户希望的方式在客户喜欢的地点和时间提供银行服务:开放银行业务-竞争与市场管理局(CMA)向英国顶级银行强制要求开放银行业务标准。这是关于通过开放的应用程序编程接口(API)与提供商打开以前由银行拥有的数据黑箱，以访问由客户授权支持的数据，通过使银行更加以客户为中心来管理他们的财务。支付服务指令版本2 (PSD2) -由欧盟国家为银行业设计。这是关于解决障碍，以便在付款时方便地看到相关信息，并提供所需的付款渠道。通用数据保护条例(GDPR) -全面的欧盟数据隐私法是欧盟(EU)的一项法规，这是关于让消费者控制，监控，检查甚至在必要时删除与处理个人身份信息有关的任何信息，从而强调“消费者第一”的观点。由于亚马逊、Stride和Paytm等实体的参与，这些监管和政策使金融业见证了颠覆性的冲击，这些实体通过注入全渠道存在的技术提供金融服务。由于商家和最终客户之间的差距越来越大，这种迅速中断的速度正在异乎寻常地获得动力:•越来越多的商家希望与客户拉近距离，实现无缝支付服务•在全球范围内实现业务增长规模•在客户日常事务中快速访问的根深蒂固的技术与模糊的距离构建价值驱动的创新成为支付平台提供商，商家和金融机构的挑战。本文章由计算机程序翻译，如有差异，请以英文原文为准。
Amazon Pay: Banking on New Thinking Diagnosis White Paper
The digital revolution is transforming the way of doing everything in a seamless invisible mode. Payment being an integral part of the day to day transaction plays an important role and has undoubtedly caught attention of many retail giants like Amazon, FinTechs and Banks which are slowly catching up.
Access to internet, technology and people has paved way for disruption at a faster pace. The regulations and their impact is evident in the growing success of new players like Amazon, Google and several FinTechs who are bringing banking where and when customers prefers in the way they desire:
Open Banking – The Competition and Markets Authority (CMA) mandated the open banking standards to the top UK banks. This is about opening the black box of data owned previously by the banks with the providers through open Application Program Interface (API), to access this data backed by the authorization of the customer to manage their finance by making banking more customer centric.
Payment Service Directive version 2 (PSD2) – Designed by the countries of European Union for the Banking. This is about addressing the impediments to ease of seeing relevant information while making the payment and the desired channels to make the payment.
General Data Protection Regulation (GDPR) - The comprehensive EU data privacy law is a European Union (EU) regulation This is about giving the consumer to control, monitor, check and if required even delete any information pertaining to handle personal identifiable information, thus emphasizing “consumer first” point of view.
These regulations and policies have enriched the financial industry in witnessing the onslaught of disruption owing to the involvement of entities like Amazon, Stride and Paytm that render financial services through technologies infused with an omni-channel presence.
The speed with which the swift disruption is gaining momentum exceptionally because of the growing gap between the merchant and the end customer:
• Growing demand of the merchants to get closer and enable seamless payment services to the customer
• Scale the business grow with a visibility at a global level
• Ingrain technology for quick access in the customers’ routine
Building value-driven innovation with the blurring distance becomes challenging for payment platform providers, merchants, and financial institutes.
Access to internet, technology and people has paved way for disruption at a faster pace. The regulations and their impact is evident in the growing success of new players like Amazon, Google and several FinTechs who are bringing banking where and when customers prefers in the way they desire:
Open Banking – The Competition and Markets Authority (CMA) mandated the open banking standards to the top UK banks. This is about opening the black box of data owned previously by the banks with the providers through open Application Program Interface (API), to access this data backed by the authorization of the customer to manage their finance by making banking more customer centric.
Payment Service Directive version 2 (PSD2) – Designed by the countries of European Union for the Banking. This is about addressing the impediments to ease of seeing relevant information while making the payment and the desired channels to make the payment.
General Data Protection Regulation (GDPR) - The comprehensive EU data privacy law is a European Union (EU) regulation This is about giving the consumer to control, monitor, check and if required even delete any information pertaining to handle personal identifiable information, thus emphasizing “consumer first” point of view.
These regulations and policies have enriched the financial industry in witnessing the onslaught of disruption owing to the involvement of entities like Amazon, Stride and Paytm that render financial services through technologies infused with an omni-channel presence.
The speed with which the swift disruption is gaining momentum exceptionally because of the growing gap between the merchant and the end customer:
• Growing demand of the merchants to get closer and enable seamless payment services to the customer
• Scale the business grow with a visibility at a global level
• Ingrain technology for quick access in the customers’ routine
Building value-driven innovation with the blurring distance becomes challenging for payment platform providers, merchants, and financial institutes.
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