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财富自由之路迄今为止,全世界没有一个有实际使用价值,被广泛使用的区块链应用。ElectronicFrontierFoundation的律师AndrewCrocker在电话採访中告诉Motherboard:Securus无需许可证即可进行定位追蹤,并允许其用户在未经审查的情况下获取此服务。

真是如此吗1上市公司在新三板的併购刚需继续新三板市场作为股权交易市场的定位,自2016年下半年以来已经获得市场参与者的认定。从APP的定位到专业设备的提供,笔者问及户外帮做的这些事情在一个传统的线下门店也可以做,那核心的竞争力是什么?刘应杰回答道:户外帮前段是一个接触方式,核心是提供专业性的服务。

这个手机是刚才我们来做变脸的那部手机,我继续让它变过来,现在大家看到,我的脸又在上面了,当然是刚才那个小伙子的脸。

(ChineseVersion)SoutheastAsiaiswitnessingaboominfintechindustry.Inthesecondhalfof2017,groupsofChinesefintechcompaniesenteredtheSoutheastAsianmarketstoseeknewbusinessopportunities,astheregulationisfurthertightenedintheirhomecountry.ChinesefintechplatformssuchasAntFinancial,WechatPay,Wecash,Finup,Suningpaymentandothersareexpandingoverseasintheareasofonlinepayment,riskcontrol,bigdata,etc.AgrandmarketwithimmensegrowingscopeMarketswithhigheconomicgrowtharedynamic.Since2003,theeconomyofSoutheastAsiahasbeengrowingatarapidspeed.TakeIndonesiaforexample.ItisthelargesteconomyentityinSoutheastAsiaandhasthefourthlargestpopulationintheworld.Withitsweakeconomicfoundationandhugegrowthpotential,IndonesiaisnowthefirstchoiceforChinesecompaniestoexpandoverseas.Intheearliertime,manyChinesemanufacturersmovedtheirproductionbasetoSoutheastAsiaforcheaperlabourcost.WiththepopularityofsmartphonesbeingusedinSo多盈彩票utheastAsia,theinternetindustryseesimmensedevelopmentpotential.Ononehand,alargepopulationnaturallygeneratesgreatergrowingspace.Statisticsshowsthat420millionoutof600millionpeopleinSoutheastAsiaareyoungpeopleagedunder40,whoenjoyexperimentingnewproductsandservices.Theyarealsothemainusersofmobileinternet.TakeThailandasanexample.MobileinternetusersinThailandaccountforover66%ofthetotalpopulationandthenumberofsmartphoneusersisover60%.Otherthanthat,themiddleclasspeopleinSoutheastAsiaisgrowingatarocketspeed.AccordingtotheforecastofBostonConsultantingGroup,therewillbeupto141millionmiddle-classpeopleinIndonesiaby2020whichmeansagreaterconsumingcapacity.Themiddleclassreliesheavilyoninternet-basedservices.Thisdemandbringsgreatbusinesspotentialforfintechcompanies.AfriendtoldmethatyoungIndonesianpeopleliketowearfashionableclothes,treatthemselveswithfancymealsandthenshowallofthesebypostingphotosonsocialmedias.AreportpublishedbyGoogleandTemasekshowsthatinternetusersinSoutheastAsiaarefarmoreactivethanusersfromanyotherregionsintheworld,spending3.6hoursonaverageontheirmobiledeviceseveryday.Thisincredibleinternetviscositywillbringenormousmarketopportunitiestointernetcompaniesintheregion.Ontheother,inclusivefinanceisstillweakinSoutheastAsiaduetothelackofrelevantfinancialinfrastructures.Thereisalackofcreditcardholders,asufficientcreditsystem,andinternetpaymentmethodsetc.InIndonesia,thecountry』scommercialbankindominentinthefinancialsystem.However,thepenetrationrateofcreditcardislessthan4%.Thepenetrationrateofdebitcardisonly26%.InIndonesia,cashisstillthemaintransactionmethod.Whenitcomestoonlinepurchases,75%oftheonlineordersarepaidbycashviaphysicalcountersorpay-upon-arrival.49millionsmallandmediumenterprisesinIndonesiadonotusebankingservices.Withsuchlargepopulationandrelativelyhighmobileinternetpenetrationrate,aswellasalackofinclusivefinanceindustry,SoutheastAsiaisquitesimilartowhatitwasinChinain2012.TocopythesucessfromChinatoSoutheastAsiaisthemotivationformanyChinesecompaniestocome.TrendofgoingglobalChinesetouristsnotonlybringcashtotourismdestinationsbutalsothepaymentmethodthattheyarefamiliarwith.AccordingtoBeijingBusinessToday,bytheendof2017,therewere36countriesandregionsinwhichAlipayisavailable.Andthereare7countriesandregionshavedevelopedtheirownlocalversionofAlipay.WeChatPay,ontheotherhand,haspenetratedover13countriesandregions,coveringover130,000overseasmerchants.SuningpaymentisnowfocusingonlocalizingitspaymentserviceinHongKongandJapan.MeetingthedemandsfromChinesetouristsiseasier.Buttoenteranoverseasmarketisdifficult.Therearechallengessuchasacquiringalocalbusinesslicense,overcomingculturaldifferences,andlocalmarketcompetitionetc.Themainapproachtotackletheseobstaclesistofindalocalpartnerthroughwhomtheycanexporttheirfintechservices.Alipay,forexample,tookthestrategyof"technology-output-through-local-partners".SoutheastAsiahasalsobecomeahotdestinationforentrepreneursinconsumerfinance.AsmorefintechfirmsflockintotheSoutheastAsianmarket,regulatorsarealsomovingtomonitortheburgeoningmarketthroughthelicensingsystem.Attheyearendof2016,Indonesia』sFinancialServicesAuthoritystipulatedthatoverseascompaniesmustapplyforalicense(currentlyaP2Plicense)priortoimplementingtheirbusinessinthelocalmarket.Thefirststepforthesecompaniestoacquirealicenseistoestablishtheofficialstatusasajointventurewithforeigncapital.It』sreportedthatover200organizationsarequeuingforthelicensenowoperatingwithlocalorganizationsbecomesamainstreamoperationmodelforChinesecompanies.It』sreportedthathundredsofChinesefintechfirmswouldvisitIndonesiaformarketobservationeverymonthduetothetighteningdomesticregulationinChina.Thefiercecompetitionfrombothdomesticandabroadmakechallengesonsupportingservicessuchasuseracquisition,creditreporting,riskcontrol,paymentetc.,whilegeneratingenormousopportunitiesforChinesefintechcompanies.Problemstobesolved"For(Chinese)companies,thefirstmajorchallengeistodealwiththelocalgovernment,"anentrepreneurwhojoinedthegoldrushtoSoutheastAsiasaid,commentingthatgovernmentrelationandregulationareimportantissuesthatcompanieswouldface."Weareenteringaforeignenvironmentwheretheyhavedifferentculturesandlaws.Wealsoneedtostartoverwithfinancingchannelsandmarketanalysis.Ifweweren』tcareful,wewouldsink."Withoutadoubt,thelocalecosystemofthefintechindustrywouldberevolutionizedbythemassiveinflowofhundredsofChinesefintechcompanies.Marketcompetitionwouldbeintensified,creatingchaosinthemarket.LocalgovernmentswouldbetheSwordofDamoclesthatcompanieswouldincreasinglyworryabout.Forinstance,Indonesiarequiresfintechcompaniesthatofferloaningservicestomaintainitsinterestratewithinareasonablerange,stipulatingthattheinterestrateshouldnotexceed700%ofthereporateoftwoweeks.Cambodia,ontheotherhand,decidesthattheannualmaximuminterestrateshouldbe18%.InthecaseofChina,mostloaningplatformswouldgooutofbusinessifsimilarregulationsapplied.Furthermore,thelicensingprocessisincrediblyslowinIndonesia.Somepeoplecommentedthatit』sbecausethatlocalauthorityhasbeenoverwhelmedbytheswarmingChinesec多盈彩票ompanies.However,itshouldbenotedthatit』spossiblethatthelocalauthorityhasn』tcomeupwithvalidsolutionstodealwithfintechcompaniesyet.It』struethatregulationsmadewithuncertaintywouldcreateevengreaterrisks.Theissueofriskcontrolhasbeenpredominantaswell.Thetraditionalcreditsystemhasanarrowrange.BankIndonesia,forinstance,setsstrictfinancialcapacitythresholdsforcreditcardapplicants.Onlypeopleover18yearsoldwithamonthlyincomeofoverthreemillionrupiahs(aroundUSD$220)areeligibletoapplyforacreditcard.Inevitably,thepenetrationrateofcreditcardisnowstilllowinIndonesia.Intheearlyphase,internetloaningplatformscanrelyonthesmallnumberofcreditcardholderstoimplementtheirproducts.Butattheendoftheday,theseplatformswouldneedtofindawaytoserveagreateraudiencewhocurrentlyhasnoaccesstocreditservicesyet.Thisisthegrowingspacewearetalkingabouthere.InChina,inclusivefinanceplatformshavesuccessfullydevelopedriskcontrolsystemsbasedonbigdata,whicharenotreplicableinSoutheastAsiancountries.Let』slookatIndonesiaforexample.Knownasthestateofonethousandislands,eachislandofIndonesiahasindependentpoliciesanddata.EachcitizenofIndonesiamighthaveseveralIDcardsoftheirown.AlthoughIndonesiahasbeenpushingforwardforastandardIDsystem,thenewsystemnowcoverslessthan50%ofthetotalpopulation.It』simpossibletodevelopabig-data-basedriskcontrolsysteminIndonesiawhenthereisnocentralizedandstandardIDsystemtobeginwith.Ontheissueofpayment,it'sworthnotingthatalmostallfinancialbusinessesandcommercialactivitiesinvolvepayment.InIndonesia,traditionalpaymentmethodsincludepayment-through-carrier(payviaacodesentthroughtext)andbanktransfer(transferatATM,counter,mobilebank,andAPP).Atpresent,therearearound100startupsworkingonpaymentserviceinthecountry.Butthemarkethasn』tseenanyunicornsthatcoverawiderangeofservicessofarasthemarketisquitescattered.AsIndonesiastillhasaratherlowcreditcardpenetrationrateandlacksemergingpaymentmethodsforconsumers,Indonesiansrelyheavilyonofflinepaymentmethodtomaketransactions.Thisprovestobeproblematicforbusinessmodelsthatarebasedontheinternet.Forinstance,ifyouwanttodevelopaproductonloanandinstallmentwhileyourpotentialusersdonotevenhaveabankdepositcard,thenpaymentmethodbecomesthegreatestissuesasyoudon』thaveanefficientwaytotransferthemoneytousersanduserscanonlypayyoubackbycash.Inthiscase,nomatterwhatyourbusinessmodelis,youstillneedtodealwithofflinechannels.Thisisproblematicforinternet-basedstartups.Otherissuessuchasfinancingsource,licensing,anddebtcollectingetc.arealsopressingproblemsthatcompanieswouldneedtosolve.Fromthisperspective,cooperatingwithlocalpartnersandoutputtechnologiesthroughthemseemstobeamoreefficientandfeasiblemodeforChinesecompanies.SowhatthefutureholdsIamnotwritingthisarticletodownplaythepotentialthatSoutheastAsiahasinfintech,becauseusually,marketswithproblemsarealsotheoneswithimmensepotential.Thisiswhatdevelopingcountriesmeanfordevelopedcountries.Thelackofrelevantfoundationsandinfrastructuresalsomeansthereisroomtobuildandgrow.Atpresent,Chinesefintechcompaniesaregoingoverseasforvariousreasons.Somearehopingtofindmarketswithmorerelaxingregulation,someareexploringemergingmarkets,othersaretryingtofindnewgrowthdrives,whiletherestarejustsimplybeingopportunisticinthefintechboom.Despitealltheincentivesofinternationalization,themostimportantobjectiveremainsthesameforenterprises,andthatistoenternewmarkets.…………………………………(LikeourFacebookpageandfollowusnowonTwitter@tmtpostenglish,onMedium@TMTpost,onInstagram@tmtpost_englishandonAppleNews@TMTpost)Thearticleispublishedwithauthorizationfromtheauthor@XueHongyan,pleasenotesourceandhyperlinkwhenreproduce.]TranslatedbyGarrettLi(SeniorTranslatoratPAGETOPAGE),workingforTMTpost.更多精彩内容或者下载App图片视觉中国在内容变现、知识付费的风口下,基于移动互联网的线上课堂形式越来越热门。除此之外,三星还完成对虚拟助理Viv的收购。

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