Tencent is developing a credit scoring system as it ramps up its battle with rival Alibaba for a share of China’s $5.5tn mobile payments market.
騰訊(Tencent)正在開(kāi)發(fā)一種信用評(píng)分系統(tǒng)。在中國(guó)5.5萬(wàn)億美元的移動(dòng)支付市場(chǎng)上，該公司加大了與阿里巴巴(Alibaba)爭(zhēng)奪市場(chǎng)份額的力度。
Ant Financial, Alibaba’s payments affiliate, launched its Sesame Credit two years ago, parlaying its data on consumers into a measure of their trustworthiness, providing comfort for small businesses and consumers alike.
兩年前，阿里巴巴的支付業(yè)務(wù)關(guān)聯(lián)公司螞蟻金服(Ant Financial)上線了芝麻信用(Sesame Credit)，利用其掌握的消費(fèi)者數(shù)據(jù)來(lái)評(píng)估他們的信用，為小企業(yè)和消費(fèi)者帶來(lái)安慰。
Alipay, the mobile payment service of Ant Financial, has 520m users.
螞蟻金服的手機(jī)支付服務(wù)支付寶(Alipay)目前擁有5.2億用戶。
Tencent now aims to launch a similar service, which likewise accounts for users’ social and financial histories to assess their credit risk.
騰訊現(xiàn)在打算推出一項(xiàng)類(lèi)似服務(wù)，同樣利用用戶的社交與財(cái)務(wù)記錄來(lái)評(píng)估他們的信用風(fēng)險(xiǎn)。
Credit scoring is popular in China, especially among younger subscribers who lack a credit history but might be eligible for a high rating that would let them rent hotel rooms, bikes or phone chargers without leaving a deposit. The services are particularly valuable given the lack of access to credit cards in the country.
信用評(píng)分在中國(guó)很受歡迎，尤其是在比較年輕的訂戶當(dāng)中。這些人缺乏信用記錄，但也許應(yīng)該獲得高評(píng)級(jí)，讓他們不必交押金就能租住酒店客房，租用自行車(chē)或手機(jī)充電器。鑒于在中國(guó)難以獲得信用卡，這些服務(wù)尤其有價(jià)值。
Tencent is testing a credit scoring service among a small group of its subscribers, upping the stakes as the two tech titans engage in an aggressive promotion this week encouraging Chinese to forgo cash in favour of payments made with a swipe of the phone.
騰訊正在一小群訂戶中試驗(yàn)一項(xiàng)信用評(píng)分服務(wù)，從而加大了押注，兩大科技巨頭本周在開(kāi)展一場(chǎng)聲勢(shì)浩大的推廣活動(dòng)，鼓勵(lì)中國(guó)人放棄使用現(xiàn)金，轉(zhuǎn)而刷手機(jī)支付。
China is streets ahead of the rest of the world in mobile payments — its market is more than 50 times the size of the US — buoyed by a boom in online shopping and the dearth of alternatives such as credit cards. iResearch said China’s mobile payments hit $5.5tn last year, 50 times the size of the US’s $112bn market, based on Forrester Research figures.
中國(guó)在移動(dòng)支付領(lǐng)域遠(yuǎn)遠(yuǎn)領(lǐng)先于世界其他地區(qū)——市場(chǎng)規(guī)模高于美國(guó)的50倍——其動(dòng)力在于在線購(gòu)物的繁榮和信用卡等替代選擇缺乏。艾瑞咨詢(xún)(iResearch)表示，去年中國(guó)移動(dòng)支付市場(chǎng)規(guī)模達(dá)到5.5萬(wàn)億美元，而根據(jù)福里斯特調(diào)查公司(Forrester Research)的數(shù)據(jù)，美國(guó)移動(dòng)支付市場(chǎng)規(guī)模為1120億美元，這意味著中國(guó)移動(dòng)支付市場(chǎng)規(guī)模為美國(guó)的50倍。
The sector is dominated by the country’s two biggest tech groups. While Alibaba long commanded the lion’s share, it has recently been ceding ground to Tencent.
中國(guó)移動(dòng)支付行業(yè)被兩大科技巨頭所主宰。盡管阿里巴巴長(zhǎng)期占據(jù)最大份額，但近來(lái)騰訊奪走了一些地盤(pán)。
Tencent’s share rose to 39.5 per cent in the first quarter of the year, according to data from consultancy Analysys, while Alipay dipped to 53.7 per cent. That compared with respective 16 per cent and 71 per cent shares seen in the third quarter of 2015.
咨詢(xún)機(jī)構(gòu)易觀國(guó)際(Analysys)數(shù)據(jù)顯示，今年第一季度，騰訊的市場(chǎng)份額上升至39.5%，而阿里巴巴的份額則下滑至53.7%。這與2015年第三季度形成反差，當(dāng)時(shí)騰訊份額為16%，阿里巴巴份額為71%。
Matthew Brennan, co-founder of tech consultancy China Channel, said Tencent’s move into credit scoring demonstrated its desire to build on its payments business, which is largely restricted to small transactions in convenience stores and peer-to-peer lending.
科技咨詢(xún)公司China Channel聯(lián)合創(chuàng)始人馬修?布倫南(Matthew Brennan)表示，騰訊進(jìn)入信用評(píng)分領(lǐng)域表明，該公司希望加強(qiáng)其支付業(yè)務(wù)——目前主要局限在便利店小額交易和P2P借貸。
Tencent has been signing up scores of physical stores this year, including Starbucks. Almost all of the US group’s 2,600 China cafés accept Weixin Pay — the one on Alibaba’s campus in Hangzhou being a notable exception.
今年，騰訊一直在與包括星巴克(Starbucks)在內(nèi)的大量實(shí)體店簽約。這家美國(guó)集團(tuán)的幾乎所有2600家中國(guó)咖啡廳都已接受微信支付(Weixin Pay)——杭州阿里巴巴園區(qū)的星巴克成為一個(gè)引人注目的例外。
“Tencent obviously wants to change that, and they need to build up infrastructure to compete with Alipay’s more mature offering,” he said. “Credit scoring is an essential part of that.”
“騰訊明顯想改變局面，他們需要強(qiáng)化基礎(chǔ)設(shè)施來(lái)跟阿里巴巴更成熟的產(chǎn)品與服務(wù)展開(kāi)競(jìng)爭(zhēng)，”他說(shuō)，“信用評(píng)分是其中一個(gè)必不可少的部分�！�
Both players have made big use of promotions, culminating in this week’s frenzy. Tuesday is the last day of Alipay’s “Golden Week”, when users will receive randomly allotted cash back, ranging from Rmb0.88 to Rmb4,888 ($0.13 to $728). Tencent begins its promotional day on Tuesday — August 8, which sounds like “wealth” in mandarin.
兩個(gè)對(duì)手都進(jìn)行了大力推廣，在本周達(dá)到瘋狂頂點(diǎn)。周二是阿里巴巴“黃金周”的最后一天。在該活動(dòng)中，用戶將隨機(jī)收到獎(jiǎng)勵(lì)金，從0.88元人民幣至4888元人民幣（0.13美元至728美元）不等。騰訊在8月8日周二啟動(dòng)推廣日——8在漢語(yǔ)里聽(tīng)起來(lái)像是“發(fā)”。
Tencent could not be reached for comment.
記者聯(lián)系不上騰訊請(qǐng)其置評(píng)。
