华夏时报（www.chinatimes.net.cn）记者 付乐 冉学东 北京报道
The Washington Times (www.chinatimes.net.cn), journalist Fong Lok, Beijing News
作为金融的核心基础设施，支付业正在面临全新挑战与变革。
As the core infrastructure of finance, the payment sector is facing full new challenges and changes.
当下，随着产业数字化的推进，供应链链条长、交易主体众多、资金流转效率低等问题影响着交易效率。与之相应，头部支付机构也从最初的服务提供方，逐渐转变为供应链的重要参与者。当发展进入深水区，支付行业该如何破局?
At this point, as industry’s digitalization progresses, issues such as long supply chains, large trading entities, and inefficient capital flows affect the efficiency of transactions. Accordingly, head-to-head payment agencies have evolved from the original service provider to an important participant in the supply chain.
除简单资金交易外，今年以来，支付机构也在不断探索一站式交易、Web3.0服务解决方案，从而有效为实体经济赋能。
In addition to simple financial transactions, payment agencies have been exploring one-stop trading and Web3.0 service solutions since this year, thus effectively empowering the real economy.
数字化转型迎节点
“在对外推动数字化的过程中，支付机构会面临内部数字化流程不畅、数据孤岛、数据标准不统一、资源浪费、数字化认识不充分等多种问题，由此也推动了支付机构内部管理数字化变革。”11月7日，博通咨询金融行业资深研究员王蓬博对《华夏时报》记者表示。
“In the process of promoting digitization externally, payment agencies face problems such as poor internal digitization processes, data silos, inconsistent data standards, waste of resources and insufficient digital awareness, which have also contributed to changes in the digitalization of the internal management of payment agencies.” On 7 November, Botun, Senior Fellow in the Financial Sector, Wang Pombo, stated to the Washington Times journalist.
他表示，全球支付行业正在经历巨大变革，市场渴求全新的技术和服务，同时疫情也加速了各行各业的企业商户实现信息化、进而实现数字化的进程，管理、业务运营和创新都越来越依赖于数据，这将形成一个巨大的数字化服务的市场需求。
He stated that the global payment industry was undergoing significant changes, that markets were eager for new technologies and services, and that the epidemic had accelerated the process of information and digitalization of business enterprises in all walks of life, and that management, operations and innovation were increasingly dependent on data, which would create a huge market demand for digital services.
汇付天下助理总裁汤伟对记者表示，国内支付机构在场景、应用上的创新层出不穷。然而在海外，机构则更偏重底层数据能力、标准和规则层面的创新，且这一趋势正在全球发生，例如东南亚的支付机构和餐饮服务商合作，让商户的资金、管理、数据更好地联通在一起，以提升整体服务能力。
Remitting Assistant Managing Director Tang Wai said to reporters that domestic payment agencies were present and applied innovative innovations. Yet overseas, agencies focused more on bottom-level data capabilities, standards, and rule-level innovations, and this trend is occurring globally, for example in South-East Asia, where payment agencies and catering providers work together to better link businesses’ funds, management, and data to improve overall service capacity.
在他看来，全球正兴起“支付+软件”的变革，支付行业重要的趋势是与软件共建生态。
In his view, there was a global shift towards “payment plus software”, and the important trend in the payment industry was to create ecology together with software.
当前，海外的支付公司正在和大量传统软件公司结合，以提供一个基于软硬件的、整体的解决方案。其中不仅包括很多老牌的支付公司和银行，也包括很多新兴支付机构，如Square、Stripe等。支付机构越来越多地和软件公司建立战略联盟，有些甚至是通过并购和投资的方式结合，不仅打通了业务，更重要的是打通了信息和数据。
At present, payment companies abroad are joining a large number of traditional software companies to provide an integrated solution based on hardware and software. These include not only many old payment companies and banks, but also many new and emerging payment agencies, such as Square, Stripe, and others.
他指出，目前更多的海外同行下沉到了底层，这涉及要怎么建立，不同接口之间怎么定标准，以及如何让传输更有效率、更安全，数据分享的规则更健全等等。
He noted that more overseas counterparts were now sinking to the bottom, which involved how to build, how to set standards between different interfaces, how to make transmissions more efficient and safer, and how to improve the rules for data sharing.
“以往只要做好商户收款，资金结算高效、准确，能够根据商户的需求去完成资金管理就够了，现在发现这是远远不够的。目前对于商家而言，支付已经从原先简单的收款通道，变成现在全渠道收款，要符合各种场景，要能够应对各种支付方式，从线上到线下，从公域到私域，从国内到国际，对交易，资金流设计，结算服务提出了更加复杂和模糊的高难度要求。”汤伟表示，许多大客户和产业上下游的关系非常紧密，所有的资金、账户，都要与供应链、分销链高度匹配，任何环节没有匹配上，都会明显影响生产和运营。
“In the past, it was sufficient to make the settlement efficient and accurate, and to be able to manage the funds according to the needs of the businesses. It is now far from sufficient. For businesses, payments have moved from a simple collection channel to a full collection channel, in line with the various scenarios, to be able to cope with payment patterns, from the line to the line, from the public to the private domain, from the domestic to the international, more complex and vague high-problem requirements for transactions, capital flow design, and settlement services.” Tang Wei states that many large customers and industries are very closely connected up and down, and that all funds, accounts, are highly aligned with the supply and distribution chains, and that any link that does not match will clearly affect production and operations.
具体来看，要做到数字化集成，首先要把数据更好地集成，以形成不同解决方案的定制能力，同时与SaaS进行连接和打通，利用智能分析和决策强化整个数字化能力。其次，平台要和企业财务系统、税务系统、发票系统打通，渗入到公司经营和业务的方方面面。最后实现灵活配置的收款、分账和结算能力，以帮助用户在不同集团、连锁、门店、分公司之间实现高效资金流转，支付机构要提供更多差异化服务，而不是持续在支付费率上进行同质化竞争。
In particular, digitized integration begins with better integration of data to create a customized capacity for different solutions, while connecting and connecting to SaaS, using smart analysis and decision-making to enhance the overall digital capacity. Second, the platform is to connect with enterprise financial systems, tax systems, invoicing systems, and seeps into all aspects of the company's operations and operations. Finally, flexiblely configured collection, division and settlement capabilities are to be achieved to help users to achieve efficient financial flows between groups, chains, doors, branches, and payment agencies to provide more differentiated services, rather than to maintain homogenous competition over payment rates.
支付机构布局Web3.0提速
Payment Agency layout Web3.0 Speed
随着数字化的不断深入，行业对支付机构支付能力、解决方案能力和运营服务能力提出了更高要求，今年以来，部分支付机构数字化转型开始提速，
As digitalization deepens, the industry places higher demands on the ability of paying institutions to pay, to solve problems and to operate services, and since this year, the digital transformation of some paying institutions has begun to accelerate.
易宝支付高级副总裁、首席数字官杨赫对记者表示，在互联网3.0即将破土而出之际，我们已经可以感受到，未来在AIGC的加持下，元宇宙和互联网3.0新技术将更好的赋能实体经济。
The Senior Vice-President and Chief Digital Officer Yoon Hyeon, Yon Jie, told journalists that, at a time when the Internet was about to break down, we could already feel that new technologies such as the Yuan Universe and the Internet, under the aegis of the AGC, would be a better enabling real economy in the future.
面对数字化变革带来的企业不同需求，易宝从战略、核心业务流程的调整以及技术治理的升级等方面，提升了个性化服务能力。今年，易宝对产品侧进行了升级，以账户为身份基础，打通客户在不同场景下的资金、资产、信息和金融服务，让账户统一身份，连接场景。其服务于互联网3.0的“五星战略”生态体系，包含了营销服务“易启星”、互联网3.0钱包“易钱包”以及联盟链“亿链”等。
This year, it upgraded its product side, using accounts as the basis for its identity, linking its clients' funds, assets, information, and financial services in different contexts, and linking accounts to one another. Its five-star strategy ecosystem, which serves the Internet at 3.0, includes marketing services such as “sweet stars”, Internet wallets for 3.0 and the billion-chain chain.
伴随着数字化转型不断深入，汇付天下也已从最初简单的支付通道服务提升为具备全渠道收款和线上线下一体化服务体系。并于2023年进行了数字化战略升级，重点布局产业数字化、跨境支付以及元宇宙与Web3.0产业三大赛道，分别在解决方案数量、数藏钱包用户量等维度上获得增长。
As a result of the deepening digital transformation, remittance channels have been upgraded from an initial simple payment channel service to a full-channel collection and off-line integration service. A digital strategy was upgraded in 2023, focusing on the digitization of industries, cross-border payments, and the three main tracks of the meta-cosm and Web3.0 industries, which have grown in terms of the number of solutions and the measurement of wallet users, respectively.
另在今年8月，美国支付机构PayPal推出了一款美元稳定币PYUSD，主要由美元存款、短期国债支撑。此外，蚂蚁数科、NETSTARS机构均在布局以数字藏品、稳定币等作为代表产物的Web3.0赛道。
Also in August this year, the US paying agency PayPal launched a US dollar-stabilized currency PYUSD, which is largely supported by US dollar deposits and short-term state debt. In addition, the ant count section, the NETSTARS agency, is organizing the Web 3.0 track, which represents a digital collection, a stable currency, etc.
在业内看来，Web3.0的特殊之处在于，其数字化技术可以成为一种营销工具，为数字藏品等行业提供增值服务。
In industry, the special feature of Web3.0 is that its digitization technology can be a marketing tool that can provide value-added services to industries such as digital collections.
王蓬博表示，数字化服务和新行业场景的探索成为了不少支付机构的重点发力方向，Web3.0一直被认为是能够颠覆未来互联网发展的行业，值得提前布局，但同时也要注意，Web3.0盈利模式仍然不稳定，特别是在中国要考虑到行业监管的影响。
Wang Pombo stated that the exploration of digital services and new business scenes has become a priority for many payment agencies. Web3.0 has always been seen as an industry capable of destabilizing future Internet developments and worthy of early deployment. At the same time, it is important to note that the Web3.0 profit model remains unstable, especially in China, taking into account the impact of industry regulation.
责任编辑：孟俊莲 主编：张志伟
Editor-in-chief: Zhang Zhiwei
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