Taiwan: New Financial Service – Mobile Pay

New Finical Service Mobile PayNew Financial Service: Mobile Pay

The world is becoming increasingly digital. And this is arguably impacting the financial services sector more than any other industry. Consumer adoption of the internet and mass adoption of screens and mobile devices of all kinds has been a catalyst for change, and we are now seeing incredible innovation when it comes to mobile money.

PayPal is arguably the most widely known not-so-new-kid on the block. It’s simple, easy to use and has been widely adopted. And then there is Alibaba. In 2013, Alibaba launched a smartphone app called Yuebao and with it, people can in seconds swipe money from, say, their state bank checking account into a money market fund paying a much higher level of interest. As of July 2014, it had 149 million users and U.S. $92 billion in assets making it the fourth largest money-market fund in the world.

新型態金融服務:行動支付

因為行動裝置的盛行,世界正在變得越來越數位化,這對金融服務業的影響無疑比其他任何行業來的巨大。消費者使用網路、大規模使用螢幕和各種行動設備的情形,早已不可同日而語。

過去,PayPal可以說是最廣為人知的「不太新的新人」。它簡單,易於使用,並已被廣泛採用。阿里巴巴2013年推出了一個智慧型手機app叫做「餘額寶」,本質上是網上購買貨幣基金,透過該服務,將資金投入利息更高的貨幣市場基金,使用者除了可獲取比銀行活期存款更高的利息外,也可隨時用於網購消費和轉賬,轉入、轉出。截至2014年七月,它有1.49億用戶和920億美金的資產,使其成為世界第四大貨幣市場基金。

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