美国运通CEO：阿里巴巴等5大平台左右未来支付方式

    但你认为有些努力已经奏效了？

    我们在2009年金融危机高峰期收购了一个叫做Revolution Money的平台。这是一个非常灵活、有多样化选择的支付平台。我们说，还有许多人没有享受到我们的服务——这个国家有7,000万人口还没有存款户头，或者不认为他们得到了很好的金融服务。金融网站NerdWallet表示，使用借记卡就等于你每年要花300美元来用你自己的钱。如果人们存款账户中的钱没有达到最低存款额度，每年就要支付几百美元。所以我们研发了一个线下线上都能使用的在线支付平台。2014年初，这个平台开始平稳运营，随即就拥有了240万用户。仅仅4月一个月，用户数量就增加了100万。他们在我们的平台上进行交易。如果数码钱包供应商能够做出正确的决策，那么钱包就还是可行的。移动应用在它们发展的过程中会起到很重要的作用。

    我们进一步改进了平台的功能，这样大家就可以做自己想做的任何事了——支付账单、完成点对点付款、开支票。在公司中，我们总结出了一条规律：当穷人的代价是很大的。但是我们可以开发一个模式来吸引资金，于是大家就不必每个月为预付卡花上14.95美元了。你可以与我们合作，每个月只付1美元，就能享受好得多的服务。

    点对点支付：这项功能有多重要？

    它很重要，不过关键在于你需要将点对点支付与满足各种需求的多项服务关联起来。作为单一的服务项目，它很难为你带来可观的利润。不过它有着很大的需求。我们了解了一下消费者把钱都花在哪里了。在信用卡和签帐卡之外，还有25万亿美元的市场。这是一个巨大的机遇。

    你在运通的忠诚度项目上有许多创新点，比如最近人们可以在纽约用积分搭计程车。人们真的在用这个服务吗？

    对！这项服务用起来很方便，人们一旦用过一次，80%都会再次使用。

    （一位听众表示：“我很害怕这项交易不合算，或许积分可以被用到更好的地方呢。”）

    那你就想错了。你只想把那些积分用来坐飞机吗？人们说：“我想要很多选择，还想要省心。”如果你只是说，每一美元的消费会带来一点积分，那么人们会想要多种多样的选择。(财富中文网)

    译者：严匡正

    But you think some efforts have worked?

    We acquired a platform called Revolution Money in 2009 at the height of the financial crisis. It is a very flexible alternative payments platform. We said, There's a large population of folks not being served -- there are 70 million people in this country who don't have a checking account or don't believe they're being served well. NerdWallet has said with prepaid cards, you're paying $300 a year to use your own money. With checking accounts, people are paying several hundred dollars a year if they don't have a minimum balance. So we came out with an online payment platform that works offline and online. In early 2014, once we got the platform stabilized, we brought on 2.4 million customers. In the month of April alone, we brought on 1 million customers. They're transacting volumes on our platform. Wallets, if they are done right, can work. Mobile apps will play an important role going forward.

    We made further changes to the functionality of the platform so you can do anything you want -- pay bills, do peer-to-peer-payments, write checks. The term we coined in our company is that it is expensive to be poor. But we can develop a model where we have attractive economics, so instead of paying $14.95 a month for a prepaid card, you pay $1 a month with us for a far better service.

    Peer-to-peer payments: How important is the capability?

    It's very important, but what's critical is that you have got to connect peer-to-peer payments with a range of services that meet a variety of needs. As a standalone, it's difficult to generate the economics you need. But there's a very high demand. We looked at where spending takes place. Outside of credit cards and charge cards, there's $25 trillion out there. That's a tremendous opportunity.

    You've done creative things with the AmEx loyalty program like recently making it possible for people to pay for a New York City cab ride with points. Are people actually using this service?

    Yes! It is frictionless, and once people use it, 80% of the them return.

    (Audience member: "I'm worried it's a bad deal, that the points can be used better elsewhere.")

    Here's what you're missing. Do you want to only use those points for airlines? People have said, "I want choice and convenience." If you just say for every dollar there's one point, people want a wide variety of choices.