螞蟻金服贏得FT金融科技“影響力”獎(jiǎng)

A big Chinese group and a US not-for-profit have triumphed in the second annual Financial Times fintech awards, with Ant Financial taking the “impact” prize and QCash winning for “innovation”.

中國(guó)一家大型集團(tuán)和美國(guó)一家非營(yíng)利機(jī)構(gòu)贏得了第二屆英國(guó)《金融時(shí)報(bào)》年度金融科技獎(jiǎng)，螞蟻金服(Ant financial)拿下了“影響力”獎(jiǎng)，而QCash贏得了“創(chuàng)新”獎(jiǎng)。

Ant Financial is the 800-pound gorilla of the fintech world. With a dominant share of more than half of China’s fast-growing $5.5tn mobile payments market, this spin-off from the Alibaba ecommerce group has raised more funding than any rival and is valued at over $70bn — more than most banks.

螞蟻金服是金融科技界的巨無(wú)霸。憑借著在中國(guó)快速增長(zhǎng)的總值5.5萬(wàn)億美元的移動(dòng)支付市場(chǎng)上占據(jù)著一半以上的主導(dǎo)性份額，這家從電商集團(tuán)阿里巴巴(Alibaba)分拆出來(lái)的公司籌集的資金超過(guò)所有競(jìng)爭(zhēng)對(duì)手，目前估值逾700億美元——超過(guò)多數(shù)銀行。

Launched in 2004 as a PayPal-type service to facilitate payment on Alibaba’s ecommerce platforms, Ant Financial had 450m annual active users at the end of April 2016 — 10 times more than even the biggest lenders — and it has continued to double its user base in the past year.

螞蟻金服于2004年作為阿里巴巴電商平臺(tái)上與PayPal類似的支付服務(wù)創(chuàng)辦，到2016年4月它擁有4.5億年活躍用戶——甚至比大型銀行的客戶還多10倍——而過(guò)去一年螞蟻金服的用戶基數(shù)又增長(zhǎng)了一倍。

As well as providing consumers with a smooth way to pay for all kinds of goods and services through its Alipay service, Ant Financial operates Yu’E Bao, the world’s largest money-market fund, and Sesame Credit, the consumer credit scoring system.

除了通過(guò)其支付寶(Alipay)服務(wù)為消費(fèi)者提供購(gòu)買各種商品和服務(wù)的快捷支付方式外，螞蟻金服還經(jīng)營(yíng)著世界上最大的貨幣市場(chǎng)基金“余額寶”，以及消費(fèi)者信用評(píng)分系統(tǒng)“芝麻信用”(Sesame Credit)。

Ant has sewn up deals across Asia, including India, Thailand and South Korea. Further afield it has signed agreements with dozens of banks and payments companies to give its customers the ability to pay for goods in many US and European stores using its app.

螞蟻金服在亞洲各國(guó)敲定交易，其中包括印度、泰國(guó)和韓國(guó)。在其他地區(qū)，螞蟻金服與數(shù)十家銀行和支付公司簽訂了協(xié)議，讓其顧客可以使用其App在美國(guó)和歐洲很多商店購(gòu)買商品。

Its sheer size and rapid growth causes western bank bosses to worry whether it will soon seek to compete for US and European clients. “Alipay is the biggest payments company in China but they are going to move out of there and we have to be ready for that,” John McFarlane, chairman of Barclays, said this week.

螞蟻金服的龐大規(guī)模及其迅速增長(zhǎng)，引發(fā)西方銀行的老板們擔(dān)心它是否會(huì)很快試圖爭(zhēng)取美國(guó)和歐洲客戶。“支付寶是中國(guó)最大的支付公司，但他們將走出中國(guó)，我們必須做好準(zhǔn)備，”巴克萊銀行(Barclays)董事長(zhǎng)約翰•麥克法倫(John McFarlane)本周表示。

However, Ant’s international expansion has hit one hurdle after its sweetened bid for MoneyGram came under attack from US lawmakers and rival bidder Euronet even after it was backed by most shareholders in the US remittances group.

然而，在螞蟻金服加價(jià)收購(gòu)速匯金(MoneyGram)的舉動(dòng)遭到美國(guó)議員和競(jìng)購(gòu)對(duì)手Euronet的攻擊后——盡管它已經(jīng)得到了這家美國(guó)匯款集團(tuán)大多數(shù)股東的支持——其海外擴(kuò)張的步伐遇到了障礙。

The awards were announced at the FT Banking Summit at London’s Guildhall on Thursday afternoon. There were more than 200 entries, which were whittled down to a shortlist of 10 by a panel of judges.

周四下午，在倫敦金融城市政廳(Guildhall)舉行的英國(guó)《金融時(shí)報(bào)》銀行業(yè)峰會(huì)宣布了獎(jiǎng)項(xiàng)。參選企業(yè)超過(guò)200家，評(píng)委小組從中篩選出包含10家企業(yè)的入圍名單。