移动支付崛起威胁中国商业银行获取大数据的能力
<p><span word="The">The</span> <span word="rise">rise</span> <span word="of">of</span> <span word="third">third</span>-<span word="party">party</span> <span word="mobile">mobile</span> <span word="payments">payments</span> <span word="in">in</span> <span word="China">China</span> <span word="at">at</span> <span word="the">the</span> <span word="expense">expense</span> <span word="of">of</span> <span word="credit">credit</span> <span word="and">and</span> <span word="debit">debit</span> <span word="cards">cards</span> <span word="is">is</span> <span word="threatening">threatening</span> <span word="commercial">commercial</span> <span word="banks">banks</span>’ <span word="access">access</span> <span word="to">to</span> <span word="the">the</span> <span word="customer">customer</span> <span word="data">data</span> <span word="viewed">viewed</span> <span word="as">as</span> <span word="crucial">crucial</span> <span word="to">to</span> <span word="newly">newly</span> <span word="emerging">emerging</span> <span word="financial">financial</span> <span word="and">and</span> <span word="consumer">consumer</span> <span word="business">business</span> <span word="models">models</span>.</p><p>在中国，第三方移动支付正在崛起，而代价是信用卡和借记卡的使用量在减少，这对商业银行获取客户数据的能力构成威胁。这些客户数据被视为新兴金融和消费业务模式的关键。</p><p><span word="The">The</span> <span word="president">president</span> <span word="of">of</span> <span word="Ant">Ant</span> <span word="Financial">Financial</span>, <span word="Alibaba">Alibaba</span> <span word="Group">Group</span>’<span word="s">s</span> <span word="finance">finance</span> <span word="affiliate">affiliate</span>, <span word="told">told</span> <span word="the">the</span> <span word="Financial">Financial</span> <span word="Times">Times</span> <span word="earlier">earlier</span> <span word="this">this</span> <span word="month">month</span> <span word="that">that</span> <span word="payments">payments</span> <span word="through">through</span> <span word="its">its</span> <span word="Alipay">Alipay</span> <span word="unit">unit</span> <span word="bypass">bypass</span> <span word="China">China</span> <span word="UnionPay">UnionPay</span>, <span word="the">the</span> <span word="state">state</span>-<span word="owned">owned</span> <span word="settlement">settlement</span> <span word="network">network</span> <span word="with">with</span> <span word="close">close</span> <span word="ties">ties</span> <span word="to">to</span> <span word="the">the</span> <span word="central">central</span> <span word="bank">bank</span>.</p><p>本月早些时候，阿里巴巴集团(<span word="Alibaba">Alibaba</span> <span word="Group">Group</span>)旗下金融公司蚂蚁金服(<span word="Ant">Ant</span> <span word="Financial">Financial</span>)的总裁向英国《金融时报》表示，经由其支付宝(<span word="Alipay">Alipay</span>)完成的支付跳过了中国银联(<span word="China">China</span> <span word="UnionPay">UnionPay</span>)。银联是与中国央行关系密切的国有结算网络。</p>
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