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Try Alipay in Hong Kong!
港版支付宝上线,你试过了吗?

发表日期:2017-07-05  

Alipay releases its Hong Kong version these days, which becomes its first local version for overseas users. The interface is traditional Chinese; with functions differ from the mainland version, including scan to pay, discount information and prints collection.

近日支付宝推出了香港版——支付宝HK,这是支付宝首次为境外用户推出当地版本的App。香港版支付宝界面为繁体中文,功能与内地版有些不同,有扫码付、商家优惠和集印花三大服务。扫码付与内地已经普及的二维码支付没区别,集印花则结合了香港商家惯用的营销手段,用户收集到一定数量的印花就会得到优惠。



From now until 31 July, users who pay more than HK$ 20 for at least 3 times at the cooperative shops will get HK$ 50 reward with 3 prints collected.

支付宝还将内地的推广模式搬到了香港,截止7月31日的推广期内,只要用户在合作商户消费满20港元以上3次,集齐3个电子印花可获50港元奖赏。


 


Alipay and WeChat's first overseas market: Hong Kong

支付宝和微信不约而同瞄准香港



Due to the low tax rate, Hong Kong has become the prime destination for mainland tourists, especially those from Guangdong. Alipay has in partnership with thousands of shops, making tourists scan to pay as in mainland shops.

由于税率优势香港早已成为全球购物天堂,它是内地居民出境游的第一站,尤其深受广东游客欢迎。支付宝已在香港拓展了数千家本地商家,支持大陆用户的扫码支付。


More functions such as mobile top up, water & electricity charge top up, transferring, calling taxis, insurance, etc are the following plans of Alipay. It intends to duplicate mainland's cash-free lifestyle to Hong Kong.

未来,港版支付宝还将开通充话费、水电煤缴费、转账、打车、保险等功能。总之,支付宝在把内地普及的无现金生活复制到香港去。


However, WeChat Wallet hasn't provided offline payment yet. Hong Kong users' most popular instant messengers are WhatsApp and LINE, rather than WeChat. Based on a chatting toll, WeChat cannot provide cash free services without releasing a unique app.

现在微信支付还没有面向当地用户提供线下支付功能。支付宝要做香港人的生意,微信支付则要满足内地用户的新场景。之所以有这样的差别,一个原因是微信支付没有独立App,但在香港居民中最流行的IM不是WeChat,而是WhatsApp和LINE,微信支付的普及是基于微信的普及,所以,微信支付如果要给香港居民提供无现金支付服务,还要先推出独立App。


Why do Alipay and WeChat expand overseas markets?

支付宝和微信支付为何都要出海?



Actually Hong Kong is just one of Alipay and WeChat's overseas markets. They can be also seen in Southeast Asia and East Asia.

香港只是支付宝和微信支付海外鏖战的重要战场之一,事实上,东南亚市场、东亚市场都能见到两者的身影。


China has become the world's largest mobile payment market. Forrester's data shows that the total amount of mobile payment in America is USD 112 billion in 2016, counting less than 1/50 of Chinese market. The QR Code payment plays the vital role.

中国已是全球最大的移动支付市场。Forrester统计美国2016年的移动支付交易总额仅为1120亿美元,不足中国的1/50,二维码支付功不可没。


Alipay is even regarded as one of the New Four Great Inventions of China. Among previous payments, QR Code is the safest and most convenient one, while NFC payments represented by Apple Pay cannot compare with Alipay and WeChat when they enter Chinese market, which proves the primacy of the QR Code payment.

支付宝甚至被外媒视作是中国新四大发明之一。现在看来二维码支付比过往的一切支付形态都更便捷,还安全。Apple Pay为代表的NFC支付进入中国市场被支付宝和微信支付压着打,就证明了二维码支付的技术领先型。


Alipay and WeChat's different ways of internationalization

支付宝与微信的出海之路截然不同



Hundreds of millions of users are using international WeChat, which lays the foundation of its overseas payment market. However, two main challenges are encountered by WeChat wallet: not all users are into all-in-one apps, and if the app itself is banned in some countries, its relative payment business will be affected for sure. Russia is the case.

微信的海外版WeChat有上亿用户,这给它拓展海外支付业务提供了一个基础。不过,微信支付基于WeChat拓展海外市场的做法有两个挑战:一个是不是每个国家的用户都喜欢大而全的App,比如美国用户就更青睐用一个App做一件事,它们可能需要独立的支付App;还有一个是WeChat本身发展会遇到障碍,比如WeChat被俄罗斯当局封杀。这样的情况就会殃及支付业务。


As an individual payment app, Alipay is able to release versions adapting to different markets. Since this year, it has entered Japan, Italy, Germany, Finland to provide payment and tax refund services at convenience stores, taxis, airports and shops, making its QR Code be in the lead worldwide.

相比而言,支付宝是独立App,能为不同市场推出独立App。从今年年初开始,支付宝相继进军日本,米兰、慕尼黑、赫尔辛基机场、意大利店铺,提供便利店、出租车、购物退税等支付服务,让其二维码抢滩全世界的支付场景。


Actually, the competitor of overseas Alipay is traditional financial payment, e.g. credit card company, instead of WeChat Wallet. What's more, how to make local users accept new payments remains the biggest challenge.

事实上,支付宝在海外的对手并非微信支付,在发达市场它要面对的是传统金融巨头——比如信用卡公司。如何让当地用户接受新型支付方式是最大挑战。


Source: huxiu.com

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