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2017年10月24日 19:25:25来源:医师热点

  • It can take a long time for new ideas to catch on in the payments world. Plastic debit and credit cards, for example, account for half of payments in the UK and US, but it has taken more than 60 years to get there. Globally, cash is still dominant.付领域的新想法可能需要很长时间才能得到推广。例如,塑料借记卡和信用卡在英国和美国占到一半的付份额,但它们是花了60多年才做到这一点的。就全球而言,现金付仍占主导地位。Despite being 15 years old, online payment system PayPal only accounts for about 10 per cent of online payments, says Bob Graham, senior vice-president for banking and financial services at consulting firm Virtusa.咨询公司Virtusa负责业和金融务的高级副总裁鲍勃#8226;格雷厄姆(Bob Graham)表示,尽管已有15年的历史,但在线付系统PayPal仅占在线付市场大约10%的份额。The online payments market is still small, accounting for just 2-3 per cent of consumer transactions worldwide, says Patrick Collison, co-founder of payment service Stripe. According to some estimates, there are 366bn non-cash transactions each year.付务公司Stripe联合创始人帕特里克#8226;科利森(Patrick Collison)表示,在线付市场规模仍然很小,只占到全世界消费交易的2%-3%。根据某些估算,每年非现金交易规模达3660亿美元。However, the online payments market is expected to grow, not least because consumers want easier ways to pay for goods. Businesses also want more efficient mechanisms to handle trade invoices and payments.然而,在线付市场有望增长,主要是因为消费者希望以更便利的方式付款。企业也希望有更高效的机制来处理交易票据和付事宜。Barriers for new payment systems include cost and rates of adoption. Retailers have to pay for tills and card ers and banks have to put in software to process payments. New payment systems need to reach a point where there are enough cards, tokens or apps in circulation, and enough tills, ticket barriers, or websites willing to accept them, to justify any investment.推广新付系统的障碍包括成本和采用率。零售商不得不花钱购置收银机和读卡器,不得不安装软件来处理付事宜。只有当卡、口令牌或应用程序足够普及,同时还有足够的收银台、检票口或者网站愿意接受它们,新的付系统才值得投资。Despite this, there is no shortage of newcomers, such as PayM and Barclays’ Pingit in the UK, Swish in Sweden, or Apple Pay, looking for customers.即便存在障碍,新付系统也在不断涌现,比如英国的PayM和巴克莱(Barclays)的Pingit,瑞典的Swish或者Apple Pay。These are likely to succeed or fail based on the experience of consumers. Unless they are secure and convenient, they will remain niche technologies.这些在线付技术可能成功也可能失败,关键看用户体验。除非非常安全和便利,否则它们将依然是小众技术。A million people signed up to Apple Pay (a mobile wallet app that lets consumers make contactless payments with their phones) in its first week of operation in October. But this is tiny compared with the plastic cards market, says Mr Graham.今年10月,Apple Pay(一种移动钱包应用,让消费者通过手机非接触式付)上线第一周就有100万人注册。但格雷厄姆表示,与塑料卡市场相比,这种数量微不足道。John Skipper, a technology expert at PA Consulting, says payment systems have to be easy for consumers. He says a big barrier to adoption has been confusion about how systems work. Pingit was a success among Barclays’ customers because it was clear and straight#173;forward to use. But, he adds, it failed to become widely adopted, because it was too inaccessible for non-Barclays customers.PA Consulting的技术专家约翰#8226;斯基珀(John Skipper)表示,付系统必须让消费者易于使用。他说,采用付系统的一大障碍是人们不明白其工作原理。Pingit之所以在巴克莱的客户中取得成功,是因为它的使用方法简单明了。但他补充称,Pingit之所以未能推广开,是因为非巴克莱的客户使用不便。Another problem for newcomers is that the variety of payment systems is deterring retailers from investing in the technology, as they wait for global standards to emerge.新进入这一行业的企业面临的另一个问题是,现在的付系统五花八门,这使得零售商不愿投资于这种技术,它们等待相关方制定全球标准。But perhaps the greatest change is the way consumers use smartphones to make purchases. To pay by a card on a smartphone, says Jean Lassignardie, chief marketing officer at Capgemini Financial Services, means typing in a card number and an address, which can be awkward, so a an electronic wallet or PayPal is a strong alternative.但是最大的改变或许在于消费者使用智能手机购物的方式。英国凯捷金融务(Capgemini Financial Services)首席营销官吉恩#8226;拉西格纳蒂尔(Jean Lassignardie)表示,在智能手机上用卡付意味着要输入卡号和地址,这可能有些不方便,因此电子钱包或PayPal是一种较好的替代。The services consumers are paying for on their phones are changing too, from purely digital items such as music downloads, to taxis, accommodation, or meals. As a result, digitally driven services, such as Uber, a lift-sharing company, or Airbnb, which lets people rent accommodation online, are as much about processing payments and creating trust as they are about the apps.消费者在手机上购买的务也在改变,从音乐下载等纯粹的数字产品发展到打车、住宿或餐饮务。因此,拼车公司Uber或者允许人们在线租房的Airbnb等数字驱动的务不仅仅需要处理付问题和建立信任,而且还需要相关应用。Physical retailers are also adopting digital payments. Companies such as Starbucks have persuaded consumers to pay by mobile apps by combining payments and a loyalty scheme.实体零售商也在采用数字付方式。星巴克(Starbucks)等公司将付和会员项目结合起来,说消费者使用移动应用付。One reason electronic wallets – and other alternatives to cash and cards – have so far failed to take off is that they have not made consumers’ lives simpler or brought value to the businesses that use them.电子钱包以及其他代替现金和卡的付方式迄今未能取得成功的一个原因是,它们没有让消费者的生活更加简单,或者为使用它们的商家带来价值。“There is no value added in a business such as a hotel accepting additional payment [systems],”says Deborah Baxley, a consultant at Capgemini Financial Services. “But,” she adds, “it can remove a source of irritation for consumers.”英国凯捷金融务的顾问德拉#8226;巴克斯利(Deborah Baxley)表示:“酒店等接受额外付(系统)的企业没有增加任何价值。但是,它可以消除一个让消费者不满的根源。”Businesses are more likely to invest in systems that will give them greater control over the value such systems can add to their business.企业更可能投资于那些将让它们对此类系统所增加的价值有更大控制权的系统。“Big corporates are taking matters into their own hands [on payments],” says Christophe Uzureau, a payments expert at analysts Gartner. “There is a movement to have more control over issues such as cash management.”咨询公司Gartner付专家Christophe Uzureau表示:“大企业正自己动手创建(付业务)。现在有一种加大对现金管理等事务的控制权的趋势。”Ultimately, online payments could allow businesses to wrest more control of the payment value chain from banks. Along the way, they stand to gather more data about customers’ habits by combining information on purchases, locations and loyalty programmes.最终,在线付可能让企业能够从那里夺得对付价值链的更大控制权。在此过程中,它们会结合购买、位置和会员信息来搜集更多有关客户购物习惯的数据。Smart online wallets, which calculate the best bank, card or other payment scheme for a consumer using criteria such as offers, loyalty points, interest charges and exchange rates, may be the next thing, suggests Matthew Friend, managing director and head of Accenture Payment Services in North America.Accenture Payment Services董事总经理、北美地区负责人马修#8226;弗兰德(Matthew Friend)表示,在线智能钱包可能是下一个热点。在线智能钱包从折扣、积分、利息费用和汇率等标准出发,为客户计算出最佳的、卡或其他付方式。Nonetheless, the online payments sector will grow, if only because accepting more ways to pay will allow businesses to sell more. “Every time a website accepts new ways to pay, it drives more transactions,” Mr Friend says.然而,就算只是因为接受更多付方式将会增加企业的销售,在线付领域也会得到发展。弗兰德表示:“网站每次接受新的付方式,就会推动更多的交易。” /201501/355019。
  • The Washington Post is looking to become a software provider to other news organisations to develop new revenue streams and raise its profile as a technology company.《华盛顿邮报》(Washington Post)正寻求成为一家面向其他新闻机构的软件提供商,以开发新的营收来源,并树立其作为一家科技企业的形象。The US newspaper, which has accelerated its search for digital revenues since being bought by Amazon chief executive Jeff Bezosfor 0m last year, has been approached about licensing the software it has developed to power its website. Potential clients could include the recently launched network of local and regional US newspapers whose subscribers receive free access to the Post’s digital products.这家美国报纸自去年被亚马逊(Amazon)首席执行官杰夫#8226;贝索斯(Jeff Bezos)以2.5亿美元收购以来,加快了搜寻数字业务营收的努力。一些潜在客户已接洽该报,涉及授权使用该报为自身网站开发的软件。这些潜在客户可能包括近期发起的美国地方和地区报纸网络,这些报纸的订户可免费访问《邮报》的数字产品。The paper views “the partner programme as not just about content but about us offering technology solutions”, said Shailesh Prakash, chief information officer.首席信息官沙雷什#8226;普拉卡什(Shailesh Prakash)表示,该报“把合作伙伴计划的关键不仅视为提供内容,而是由我们提供技术解决方案”。Student newspapers at Columbia, Yale and the University of Maryland aly use the Post’s content management software in a trial for how it could be opened up to other professional news services.哥伦比亚大学、耶鲁大学和马里兰大学的学生报纸已经在试用《邮报》的内容管理软件,看该软件如何能够被其他专业新闻务利用。Developing a licensing business would be a further step in the Post’s efforts to generate digital profits as its print business shrinks. It also comes as changing media consumption habits and pressure from new competitors are pushing news organisations to invest in beefing up their technological prowess.在印刷版业务萎缩之际,发展软件授权业务将是《邮报》在努力创造数字利润方面迈出的又一步。另一个背景是,不断变化的媒体消费习惯和来自新竞争对手的压力,正在推动新闻机构投资于加强自己的技术实力。The Post is swimming against strong currents. Standard amp; Poor’s estimated in September that US newspapers and magazines would see earnings before interest, tax, depreciation and amortisation fall by mid-to-high single-digit percentages to at least the end of 2015. Print advertising revenue was set for further falls, Samp;P said, and “digital strategies alone will not halt the overall slide in ebitda for publishers, which must increase subscription and cover prices to try and stabilise revenues”.《邮报》面临的阻力较大。标准普尔(Standard amp; Poor’s) 9月估计,美国报纸和杂志至少到2015年底将出现5%至9%的利息、税项、折旧及摊销前盈利(EBITDA)下滑。标普称,印刷广告收入肯定会进一步下跌,“数字战略本身并不能遏止出版商EBITDA的整体下滑趋势,它们必须提高订阅和零售价格,以求稳定营收”。“In the short and medium term, print provides the money until digital can become self-sustaining over time,” said Steve Hills, Washington Post president. “In the very long term, the battle is all about digital. We’re taking that Jeff Bezos long view,” he said.“在短期和中期,印刷版业务维持了收入来源,直到数字业务能够逐渐自我维持,”《华盛顿邮报》总裁史蒂文#8226;希尔斯(Steve Hills)表示。“就非常遥远的长期而言,竞争的关键完全落在数字方面。我们正抱着杰夫#8226;贝索斯的那种长远眼光,”他说。In past the 16 months, Mr Bezos has been injecting money into the Post. It has hired 100 editorial staff, for a net gain of about 60, and launched blogs and digital products, including an app on Amazon’s Fire tablet that offers morning and evening editions. The publisher no longer releases financial information but executives point to traffic growth as evidence that the strategy is working. Unique visitors increased 62 per cent to 45.8m in November from a year ago, according to ComScore.在过去16个月里,贝索斯一直在向《邮报》注资。该报已经聘请了100名编辑人员,使编辑人员数量净增加大约60人,并推出各种客和数字产品,包括亚马逊Fire平板电脑上的应用,该应用提供晨报和晚报版本。这家出版商不再发布财务信息,但高管们将流量增长列为据,明这项战略正在奏效。根据ComScore的数据,11月独立访客数量同比增长62%,至4580万。But it is the technology side of the business that shows the clearest signs of the Amazon founder’s influence. The Post hired 20 engineers in 2014, and now employs 225, split between developers working on its digital initiatives and more traditional IT functions at its printing plant and human resources, sales and advertising departments.但从该报的整个业务看,科技方面展现出亚马逊创始人影响力的最明显迹象。《邮报》在2014年聘请了20名工程师,现在总共雇用225名工程师,其中一半是该报各项数字计划的开发人员,另一半执行比较传统的IT职能,分布于该报的印刷厂以及人力资源、销售和广告部门。Mr Prakash said he was “borrowing a page out of Amazon” in developing software that both suits the Post’s needs and could be opened up to other users. Amazon Web Services, which provides cloud computing to customers from the CIA to Netflix, has become the ecommerce company’s fastest-growing division.普拉卡什说,开发既适合《邮报》需要、又能被其他用户加以利用的软件,是在“借鉴亚马逊的做法”。提供云计算的亚马逊网络务(Amazon Web Services),已成为这家电子商务公司增长最快的部门,客户包括美国中央情报局(CIA)和流媒体提供商Netflix。“Technology is core to our business,” Mr Prakash said of the push to develop more software in-house. “You wouldn’t outsource the business plan or the revenue plant. Why would you outsource technology?”“技术是我们业务的核心,”普拉卡什在谈到自行开发更多软件的努力时表示。“你不会外包业务计划或产生营收的工厂。为什么要外包技术呢?” /201412/351385。
  • Deciding where to place a Wi-Fi router at home to minimise signal blackspots is a fine art. But a physicist has attempted to tackle the problem by mathematically working out the optimum position for a router. He studied how walls and reflections affected signal strength and concluded that, as common sense might suggest, there’s just no beating the centre of a house for router location。决定在家里的什么位置放置无线路由器来最大程度减少盲点是一门艺术。近来,一位物理学家最近试图用算法来规划处路由器的最佳位置。他研究了墙壁对WiFi信号强度的影响,得出一个似乎是显而易见的结论:没有比房子正中间更好的位置了。The #39;complex#39; research was carried out by Jason Cole, a PhD physics student at the John Adams Institute at Imperial College London. Frustrated at finding numerous Wi-Fi blackspots around his flat, Mr Cole turned to mathematics to find out how he could improve his internet connection. He found that, the waves were hindered not only by walls and closed doors but also when they went around corners. This, he says, is because the signal loses strength when it bounces off objects。这项“复杂”的实验由杰森·科尔,来自伦敦帝国学院约翰·亚当斯研究所的物理士进行。在自己的公寓发现了太多WiFi信号盲点,科尔选择采取算法提高网络连接速度。他发现WiFi的信号流不止被墙壁和门阻挡,同样也会在角落里减弱。他认为这是因为当信号接触物体之后会减少一些能量。‘I found an equation which approximates the behaviour of high-frequency electromagnetic waves such as Wi-Fi, and tried to solve it by placing a virtual router in the floor plan of my flat. After crunching numbers for a few minutes I was able to generate maps of Wi-Fi signal strength inside the flat, showing poor signal near my computer.’“我发现了一个方程式,它能计算出WiFi这类高频电磁感应信号的运动轨迹,我在公寓地板上设置了一个虚拟路由。在测试一段时间的信号之后,我就能够绘制出WiFi信号在公寓内强弱的图表,发现电脑旁边较弱的信号。”By showing how weakened the signal can be when it moves across the flat, Mr Cole found that no matter where his router was placed at one side of the flat, there would always be blackspots elsewhere. Instead, he suggests that the only solution to ensure as few blackspots as possible is to place the router in the middle of the flat。通过移动虚拟路由器的位置,可以看到信号强弱的变化。科尔发现无论将路由器放在公寓的哪一边,其他地方都会有盲点。因此,他觉得尽可能减少盲点的最佳方式就是把路由器放在公寓中间。‘There is also some reflection of the signal around corners, but engineers tell me reflections are bad too. In my case, the best position was as central as possible, preferably near open doorways. He says he hasn’t tried any physical tests of the simulation yet, but has been given suggestions by commenters on his website. There have been many other helpful comments which will no doubt improve the methodology in the future, and a surprising number of people asking for an app to test their own houses or offices, so there#39;s plenty of work to do.’“角落里同样也有信号反射,但是工程师告诉我反射很弱。因而,最佳的位置是在房间的尽可能中心位置,最好离门口近些。他说他还没有进行任何物理实验,但是网站上有人给出了建议。这些建议有的会为未来的方法论提出更好的改进措施,而且令我们惊讶的是,很多人希望能有一款测试自己家里或者办公室里信号强弱的app,所以我们还有很长的路要走。”ARE WI-FI SIGNALS DANGEROUS?Wifi信号危险吗?Wi-Fi signals use very low intensity radio waves. Whilst similar in wavelength to domestic microwave radiation, the intensity of Wi-Fi radiation is 100,000 times less than that of a domestic microwave oven。Wifi信号运用的是非常低强度的无线电波,其波长与家用微波辐射相似,而其强度则比家用微波炉要弱10万倍。The type of radiation emitted by radio waves (Wi-Fi), visible light, microwaves and mobile phones has been shown to raise the temperature of tissue at very high levels of exposure.This is called a thermal interaction, but researchers are divided as to whether the radiation we receive daily can cause damage。由无线电波(如Wifi),可见光,微波和手机发出的辐射,在长时间照射下会使物体温度升高。这被称作热互作用,但是针对这种辐射是否会对人身体产生危害,调查者们持不同意见。The UK Health Protection Agency (HPA) has been monitoring the safety of Wi-Fi. It says people using Wi-Fi, or those in the proximity, are exposed to the radio signals it emits - and some of the transmitted energy in the signals is absorbed in their bodies。英国健康保护署曾检测Wifi的安全性。它的调查结果称,使用或者接近Wifi的人群都在其辐射范围内,而且信号中传送的一些能量会被吸取进身体中。However, the signals are very low power. Sitting in a Wi-Fi hotspot for a year results in receiving the same dose of radio waves as making a 20 minute mobile phone call。然而,这些信号的能量很低。在Wifi热点附近坐上一年所吸取的辐射,大约等于20分钟通话所产生的无线电波。 /201507/386124。
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