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PayPal脱离eBay再上市 市值超466亿
And PayPal is already worth more than its former parent, $46.6 billion compared to Ebay’s $35 billion. PayPal was a pioneer in the field of digital payments,it’s now facing growing competition from Apple, Google and Amazon among others. I spoke to PayPal’s CEO earlier today. He told me splitting from eBay gives PayPal one crucial advantage -- independence.
PayPal市值已经达到466亿美元，超过其前母公司Ebay的350亿美元。PayPal是电子支付行业的先驱，而现在却面临来自苹果，谷歌，亚马逊以及其他公司的竞争。今天早些时候我采访了PayPal首席执行官。他告诉我，从eBay中脱离出来使PayPal有了关键的优势——独立。
“Being an independent company allows us to be a truly independent neutral third party for our customers, and so there are no conflicts of interests whatsoever being part of eBay. We can partner with any merchant in the world right now as an independent neutral third party. So that’s a big advantage for us.”
“成为一家独立的公司让我们成为对顾客来说真正独立中立的第三方，所以，无论如何，都不会出现作为eBay的一部分时面临的利益冲突。现在，我们可以作为独立中立的第三方与世界上任何一个商家合作。所以这对我们来说是一个巨大的优势。”
“This landscape is getting a lot more competitive obviously with Apple Pay. Do you have the mobile strategy to compete with them and anyone else who comes in the field?”
“未来的前景就是让我们与苹果支付相比有了更大的竞争力。你是否还有什么移动策略与他们或者该领域内的其他任何商家竞争？”
“Well, it is a very competitive marketplace, but that’s because it’s a dynamic and growing marketplace. We compete in a $25 trillion addressable market, and we have several advantages as we compete in that. But probably the biggest advantage we have is we are truly a neutral third party. Our platform that we've worked on re-architecting over last several years is both operating system and point of sale technology agnostic. We can work with any merchant, any operating system whether that be IOS, Android or Windows, and provide a seamless, consistent experience for consumers and for merchants. And last year, we did over $1 billion mobile payment transactions. So we are probably amongst, if not the leader in the world in processing mobile payments.”
“这个市场竞争非常激烈，但是因为这是动态的，不断增长的市场。在一个拥有25兆美元可访问的市场中进行竞争，我们有几个优势。但是可能最大的优势就是我们是真正中立的第三方。过去几年，我们致力于改善操作系统和销售技术无关论。我们可以与任何商家合作，可以和任何操作系统合作，无论是IOS, Android还是Windows，为用户和商家提供持续无漏洞的体验。去年，我们处理了超过10亿次移动支付交易。所以，我们在处理移动支付的领域中即使不是独占鳌头，也是领先者。”
“Dan, there’s been such hope with watches now, wearables whether it’s on our phone, that we are finally at the point where we are going to all, you know, transfer to this digital wallet. It was all going to be at our fingertips. Consumers… it seems a little sticky that transaction. Consumers haven’t given up their traditional wallet yet. What do you see happening in that space? What’s holding it back?”
“Dan，现在移动手表，可穿戴设备大有前景，我们最终可能还会使用电子钱包。一切都在我们的指尖。顾客们……对这种交易方式似乎不易接受。他们还没有放弃传统的钱包。你觉得问题在何处？我们如何挽回？”
“In store, if you are just talking about a form factor change, in other words, instead of, you know, swiping your credit card, you are tapping your phone, that’s a difficult proposition for consumers. But if it’s a true value proposition change, then I believe that consumers will start to use their mobile phones and mobile…and payments, not only online and in app, but in store, because real value can be given. For instance, you can order ahead, you can skip the line, you can get rewards. All of that are what merchants today are trying to write applications that allow them to have a more intimate relationship with their consumer. And what we as PayPal want to do is power that merchant application. It’s truly a value proposition change, not a form factor change. And when that happens, I think you will see rapid adoption of in-store mobile payments.”
“在商店中，如果你说的是形式因素改变的话，换句话说，你不是再刷信用卡，而是点击手机。这对消费者来说是非常困难的建议。但是如果是真正的价值主张的改变，我相信消费者会开始使用移动手机和移动支付，不仅仅是在线上和在应用程序中，还有在商店中。因为这种支付可以被赋予真正的价值。例如，你可以提前预定，可以优先结帐，可以获得优惠。今天，所有商家都在努力写出新的程序，让他们和消费者之间建立更密切的关系。而我们PayPal要做的就是推动商家的这种应用程序。这确实是价值主张的改变，而不是形态因素的改变。当这种改变发生时，我们认为你会看到店内移动支付方式的快速普及。”
