蘋果商店向45億銀聯(lián)卡敞開大門
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????這幾乎是穩(wěn)賺不賠的買賣，因為中國的幾百萬iPhone用戶中，幾乎人人都有銀聯(lián)（UnionPay）信用卡或借記卡。銀聯(lián)不僅是中國最大的，，也是唯一的銀行卡清算組織，在全球范圍內(nèi)已經(jīng)發(fā)行了超過45億張銀行卡。 ????北京時間本周一上午，蘋果（Apple）宣布已和中國銀聯(lián)達成協(xié)議，銀聯(lián)卡用戶在中國的蘋果應用商店（App Store）購買商品和服務將更加方便。中國已是蘋果應用下載的第二大市場。 ????此前，中國用戶購買蘋果應用需要經(jīng)過三個繁瑣步驟：選擇銀行、設定在線密碼、至少在蘋果賬戶中預充值50元人民幣。而如今，他們可以將蘋果賬戶和銀聯(lián)卡關聯(lián)，實現(xiàn)“一鍵購買”。蘋果已經(jīng)記錄了數(shù)億個信用卡號碼，新協(xié)議讓這家公司得以進入規(guī)模達數(shù)十億的中國市場。 ????蘋果的新聞稿中沒有提及的一點是，散落在中國上千個大小城市的銀聯(lián)快捷支付（QuickPay）網(wǎng)點是否將支持蘋果支付（Apple Pay）。 ????在蘋果推出這款無縫支付系統(tǒng)兩天后，也就是9月11日，中國商業(yè)媒體財新網(wǎng)（Caixin Online）曾報道，據(jù)傳蘋果支付和銀聯(lián)的談判陷入了僵局。 ????到目前為止，只有內(nèi)置近場通信（NFC）信號發(fā)送器的iPhone 6和iPhone 6 Plus才能使用蘋果支付功能。這些產(chǎn)品在北京賣得十分火爆。中國對iPhone 6Plus的需求尤其強烈，甚至在發(fā)布三個多月后的現(xiàn)在，中國黃牛每天早晨還是會在美國的蘋果商店前排著長隊，購買當天的供貨。 ????你幾乎可以察覺到，蒂姆?庫克的中國戰(zhàn)略正在漸入佳境。（財富中文網(wǎng)） ????譯者：嚴匡正 |
????It’s a pretty safe bet that nearly every Chinese iPhone owner — and there could be a couple hundred million — also has a UnionPay credit or debit card. China UnionPay isn’t just the biggest bank card company in China, it’s the only Chinese bank card, with more than 4.5 billion cards issued worldwide. ????On Monday morning (Beijing time), Apple announced that it had struck a deal that will make it easier for UnionPay card holders to buy goods and services on Apple’s App Store in China — the company’s second largest market for app downloads. ????Rather than clicking through a cumbersome three-step process — selecting a bank, setting up an online password, and depositing a minimum of roughly $8 in a prepaid account — just to buy an app, Chinese customers can now link their Apple ID with their UnionPay card for what Apple describes as “one-tap purchases.” Apple already has hundreds of millions of credit card numbers on file. This deal gives it access to an addressable market measured in billions. ????What Apple’s press release didn’t say is whether Apple Pay will be accepted at the QuickPay kiosks UnionPay has been deploying in thousands of Chinese cities and town. ????A rumor that an Apple Pay/UnionPay deal had been struck surfaced on China’s Caixon Online on Sept. 11, two days after Apple’s friction-free payment system was unveiled. ????So far, only the iPhone 6 and iPhone 6 Plus, with their built-in NFC transmitters, will work with Apple Pay. But those devices are selling like hot steamed buns in Beijing. Chinese demand for the iPhone 6 Plus in particular is so high in that even today, more than three months after it was released, Chinese resellers are lining up every morning outside Apple Stores in U.S. cities to buy that day’s supply. ????You can almost feel Tim Cook’s China strategy falling into place. |
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