(Bloomberg) - Mastercard Inc. tab tom ntsib kev thawb rov qab los ntawm cov khw muag khoom dua li cov khoom lag luam tshiab uas tso cai rau cov neeg siv khoom them lawv cov kev yuav khoom hauv ib hlis.
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Cov kev them nyiaj loj tau pib qhia cov tub lag luam thiab lawv lub tsev txhab nyiaj tias nws yuav them cov khw muag khoom 3% ntawm tus nqi yuav khoom txhua zaus cov neeg siv khoom xaiv los siv qhov kev pab cuam tshiab, raws li cov neeg paub txog qhov teeb meem. Cov khw muag khoom yuav cia li tso npe rau Mastercard qhov kev yuav khoom tshiab tam sim no, them nyiaj tom qab kev pabcuam, txawm tias lawv yuav muaj sijhawm xaiv tawm.
Tus nqi tag los ua ib qho kev xav tsis thoob rau qee lub teb chaws cov khw muag khoom loj tshaj plaws, ntau tus tau sib tham sib cais nrog cov credit-card issuers thiab yuav-tam sim no, them nyiaj tom qab cov neeg muab kev pab cuam uas yuav txwv tsis pub lawv los ntawm kev muab kev sib tw rau lawv cov neeg siv khoom. Lwm tus, txawm li cas los xij, tab tom lees txais cov kev pabcuam tshiab, muab qhov 3% tus nqi, thaum siab dua ib qho ntawm Mastercard tus nqi ib txwm rau kev lees txais cov npav rho nyiaj, tsawg dua li qhov feem ntau tus neeg muag khoom yuav-tam sim no, cov chaw them nyiaj tom qab them rau lawv cov khoom.
"Cov lus cog tseg ntawm BNPL yuav ua tiav thaum txhua tus tau txais txiaj ntsig - qiv, cov tub lag luam thiab, thaum kawg, cov neeg siv khoom," Chiro Aikat, tus lwm thawj coj ntawm cov khoom thiab engineering ntawm Kev Yuav, New York-based Mastercard, tau hais hauv email. "Thaum peb tsim peb qhov kev pab cuam xyoo tas los, peb tau txiav txim siab ua kom muaj lwm txoj hauv kev tsis sib haum xeeb thiab pob tshab rau kev them nyiaj, nrog tib theem kev ntseeg siab thiab kev ruaj ntseg uas xav tau los ntawm Mastercard."
Qhov kev tsis sib haum xeeb yog qhov tshiab tshaj plaws hauv kev ua yeeb yam ntev ntev ntawm cov khw muag khoom thiab Mastercard thiab cov neeg sib tw Visa Inc. Cov tub lag luam tau nce suab nrov hais txog tus nqi txais kev them nyiaj hluav taws xob, nrog cov nqi ua haujlwm nce mus txog $ 137.8 billion xyoo tas los ib leeg, raws li kev lag luam luam tawm. Nilson Report.
Tom qab them nyiaj, Klarna
Mastercard tau nthuav tawm qhov kev them nyiaj xyoo tas los uas yog ib feem ntawm cov tes hauj lwm cov lus teb rau cov neeg siv khoom txaus siab rau kev faib cov nqi ntawm lawv cov kev yuav khoom. Qhov kev txav mus los tom qab cov tuam txhab nyiaj txiag-tsim thev naus laus zis tsom mus rau qhov yuav-tam sim no, them nyiaj tom qab qhov chaw - cov tuam txhab xws li Afterpay thiab Klarna - twb tau ploj mus ntau li $ 10 nphom hauv cov nyiaj tau los txhua xyoo los ntawm cov tsev txhab nyiaj, raws li McKinsey & Co.
Thaum lub sijhawm nws tau npaj los tshaj tawm cov kev pabcuam tshiab, Mastercard twb tau koom tes nrog cov qiv nyiaj nrog rau lub khw-daim npav muab kev pabcuam Synchrony Financial thiab Barclays Plc lub US card unit los tsim cov khoom tshiab. Lub tswv yim yog tias cov neeg qiv nyiaj thiab lwm tus, nrog rau fintech upstarts thiab cov tuam txhab uas muab cov hnab nyiaj digital, yuav muaj peev xwm pom zoo rau cov neeg siv khoom qiv nyiaj ua ntej kev yuav khoom lossis muab cov kev xaiv thaum lub sijhawm them nyiaj.
Tsis pub dhau lub hlis, Mastercard tshaj tawm tias cov khw muag khoom suav nrog Walgreens Boots Alliance Inc., American Airlines Group Inc. thiab Bass Pro Shops tau pom zoo ua haujlwm nrog lub network ntawm kev tshaj tawm cov kev pabcuam tshiab. Thaum Lub Rau Hli, thev naus laus zis loj Apple Inc. tshaj tawm tias nws yuav siv Mastercard rau nws cov khoom tshiab Them Tom Qab.
"Los ntawm kev siv Mastercard network, Apple Pay Tom qab tsuas yog ua haujlwm nrog Apple Pay thiab tsis tas yuav muaj kev koom ua ke rau cov tub lag luam," Apple hais hauv nws lub vev xaib.
Khoom noj khoom haus, Gas
Tseem, lwm cov khw muag khoom - qee qhov hauv kev lag luam khoom noj ceev, nrog rau cov chaw nres tsheb roj thiab cov khw muag khoom yooj yim - tau hais rau lub network hauv lub hlis tsis ntev los no tias lawv tau xaiv tawm ntawm kev muab cov kev pabcuam tshiab, raws li qee tus neeg paub txog qhov teeb meem. , leej twg thov kom tsis txhob qhia txog kev sib tham sab hauv. Feem ntau, qhov ntawd yog vim cov khw muag khoom txhawj xeeb txog lawv cov neeg siv khoom siv nyiaj qiv los them rau kev yuav khoom me me, cov neeg tau hais. Lawv tsis xav kom cov neeg siv khoom tsis txaus siab them lub tank roj lossis pluas noj ntau hli tom qab nws ploj mus.
Mastercard tsis tau npaj siab tsom mus rau cov tub lag luam zoo li no, txawm li cas los xij, raws li nws tau nrhiav cov neeg tuaj koom rau txoj haujlwm tshiab, ib tus neeg hais. Nws kuj tau teeb tsa $ 50 yam tsawg kawg nkaus rau kev yuav-tam sim no, them-tom qab kev yuav khoom raws li ib feem ntawm nws cov kev siv zog los tiv thaiv cov neeg siv khoom.
Lub tuam txhab tau hais tias nws yuav sau cov npe ntawm cov tub lag luam uas tau xaiv tawm tsam kev lees txais cov kev pabcuam tshiab, tab sis qee tus neeg muag khoom bristled ntawm lub tswv yim, ntshai nws yuav tsav cov neeg siv khoom mus. Hloov chaw, Mastercard yuav ceeb toom rau cov neeg muag daim npav uas cov khw muag khoom tau xaiv tawm ntawm qhov kev pabcuam yog li lawv tsis txhawb lossis tso cai rau cov kev lag luam los ntawm cov tub lag luam, raws li ib tus neeg. Cov neeg muab kev pabcuam digital-hnab nyiaj yuav tsis ua rau muaj kev xaiv thaum cov neeg siv khoom tshawb xyuas ntawm cov khw muag khoom, tus neeg hais.
Swipe Fees
Mastercard thiab Visa tau ntsib kev npau taws ntev los ntawm cov tub lag luam vim tias lawv tau teeb tsa cov nqi muag khoom muag raug them txhua zaus tus neeg siv khoom rub tawm ib qho ntawm lawv daim npav ntawm kev xa tawm. Cov tsev txhab nyiaj khaws cov feem ntau ntawm cov nqi rub tawm ua ntej xa ib daim ntawm lawv mus rau ob lub txhab nyiaj loj.
Cov tub lag luam tau txais kev yeej tsis ntev los no hauv kev sib ntaus sib tua hla tus nqi rub tawm thaum ob tus neeg sawv cev hauv Teb Chaws Asmeskas tau tshaj tawm txoj cai lij choj uas yuav ua rau cov tub lag luam muaj peev xwm ua lag luam credit-daim npav hla lwm lub network. Qhov kev txav no tuaj tom qab Visa thiab Mastercard tau qhia txog ntau qhov kev hloov pauv rau tus nqi rub tawm ua ntej lub xyoo no, ua rau muaj kev kub ntxhov ntawm cov khw muag khoom uas hais tias lawv twb tau cuam tshuam nrog cov txiaj ntsig ntawm kev nce nqi ntawm 40-xyoo siab.
"Qhov no yog txhua yam tshiab qhov ntev uas dhau mus dhau qhov kev ntxhov siab nrog credit cards," Doug Kantor, tus kws tshaj lij rau NACS, pawg lag luam sawv cev rau kev lag luam hauv khw muag khoom yooj yim. “Nws yog qhov tseeb ntawm qhov kev ntxhov siab. Tsis muaj leej twg yuav tsum tau xaiv rau hauv ib qho kev pabcuam hauv cov ntsiab lus no. Thiab, hais ncaj, cov kev pabcuam uas lawv tau muab tsis muaj txiaj ntsig rau ntau tus neeg muag khoom. "
(Hloov kho tshiab nrog cov ntsiab lus ntxiv hauv kab lus 11.)
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