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2021-07-14

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Apple's potential 'buy now, pay later' plan sends sector shares tumbling<blockquote>苹果潜在的“先买后付”计划导致行业股价暴跌</blockquote>

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Nasdaq-listed Affirm Holdings Inc tumbled more than 14% on Tuesday following the Bloomberg report and closed 10.5% lower.<blockquote>规模较小的竞争对手Zip Co Ltd和Sezzle股价大幅下跌。彭博社报道发布后，纳斯达克上市公司Affirm Holdings Inc周二下跌超过14%，收盘下跌10.5%。</blockquote> Apple Pay is a bigger threat than potential offerings from banks or credit companies given its wide reach and superior consumer experience on a mobile website or in-store, a client note by Citi analysts said.<blockquote>花旗分析师的一份客户报告称，鉴于苹果支付在移动网站或店内的广泛覆盖范围和卓越的消费者体验，它比银行或信贷公司的潜在产品构成更大的威胁。</blockquote> The BNPL industry has boomed as online shopping picked up pace during the global health crisis, with the number of merchants in the United States adding the repayment option nearly tripling in 2020, according to a McKinsey report.<blockquote>麦肯锡的一份报告显示，随着全球健康危机期间在线购物步伐加快，BNPL行业蓬勃发展，美国增加还款选项的商家数量在2020年增加了近两倍。</blockquote> In Australia, where the regulation of the fast-growing sector is light and adoption is higher compared to other markets, a Deloitte report said 30% of the consumers in the country have a BNPL account.<blockquote>在澳大利亚，与其他市场相比，对快速增长行业的监管较轻，采用率也较高，德勤的一份报告称，该国30%的消费者拥有BNPL账户。</blockquote> The sector’s fast-paced growth attracted Swedish firm Klarna, which has emerged as a major rival in Australia, and caught the attention of mainstream U.S. companies.<blockquote>该行业的快速增长吸引了瑞典公司Klarna，该公司已成为澳大利亚的主要竞争对手，并引起了美国主流公司的注意。</blockquote> U.S. payments giant PayPal launched its service in Australia on Wednesday and raised the ante by saying it would do away with late fees, an area that had earned Afterpay close to A$70 million ($52.23 million) in fiscal 2020.<blockquote>美国支付巨头PayPal周三在澳大利亚推出了这项服务，并加大了赌注，表示将取消滞纳金，Afterpay在2020财年在这一领域的收入接近7000万澳元（合5223万美元）。</blockquote> The Bloomberg report said Apple Pay users would be allowed to split their payments into four interest-free instalments, or across several months with interest - a model similar to rivals Klarna, Afterpay, Zip’s Quadpay and Affirm.<blockquote>彭博社的报道称，苹果支付用户将被允许将付款分成四期免息分期付款，或分几个月支付利息——这种模式类似于竞争对手Klarna、Afterpay、Zip的Quadpay和Affirm。</blockquote> A Goldman Sachs spokesperson declined to comment, while Apple was not available for comment.<blockquote>高盛发言人拒绝置评，苹果也无法置评。</blockquote> Afterpay said competition reinforces the significance of the sector and that each BNPL player operates a different model and generate revenue in different ways.<blockquote>Afterpay表示，竞争增强了该行业的重要性，每个BNPL参与者都运营不同的模式并以不同的方式产生收入。</blockquote> A Zip spokesman said Apple’s reported move validated the company’s business where it was growing customer numbers despite increased competition.<blockquote>Zip发言人表示，苹果报道的举措证实了该公司的业务，尽管竞争加剧，但该公司的客户数量仍在增长。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple's potential 'buy now, pay later' plan sends sector shares tumbling<blockquote>苹果潜在的“先买后付”计划导致行业股价暴跌</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nReuters2021-07-14 17:16\n\n</h4>\n</header>\n<article>\n(Reuters) -A report that Apple Inc is working on a service to let users pay for purchases in instalments dragged down shares in the ‘buy now, pay later’ sector, which has thrived during the pandemic as online shoppers look for easier repayment options.<blockquote>（路透社）-有报道称，苹果公司正在开发一项允许用户分期付款的服务，这拖累了“先买后付”行业的股价，该行业在疫情期间蓬勃发展，因为在线购物者寻求更容易的还款选择。</blockquote> The U.S. tech giant will use Goldman Sachs, its partner since 2019 for the Apple Card credit card, as the lender for the loans, Bloomberg News reported, citing people familiar with the matter.<blockquote>据彭博新闻社援引知情人士的话报道，这家美国科技巨头将使用高盛作为贷款的贷方，高盛自2019年以来一直是其苹果卡信用卡的合作伙伴。</blockquote> The prospect of going up against a behemoth like Apple, as well as other entrants including PayPal, was likely to test Australian pure-play BNPL firms that have so far gone unchallenged in a fertile U.S. market.<blockquote>与苹果这样的巨头以及包括PayPal在内的其他进入者对抗的前景可能会考验澳大利亚纯BNPL公司，这些公司迄今为止在肥沃的美国市场上没有受到挑战。</blockquote> Shares of Australia-listed Afterpay, the country’s biggest BNPL provider which derives a big chunk of its revenue from the United States, dived nearly 10% on Wednesday.<blockquote>澳大利亚上市公司Afterpay的股价周三下跌近10%，该公司是该国最大的BNPL提供商，其大部分收入来自美国。</blockquote> Smaller rivals Zip Co Ltd and Sezzle fell sharply. Nasdaq-listed Affirm Holdings Inc tumbled more than 14% on Tuesday following the Bloomberg report and closed 10.5% lower.<blockquote>规模较小的竞争对手Zip Co Ltd和Sezzle股价大幅下跌。彭博社报道发布后，纳斯达克上市公司Affirm Holdings Inc周二下跌超过14%，收盘下跌10.5%。</blockquote> Apple Pay is a bigger threat than potential offerings from banks or credit companies given its wide reach and superior consumer experience on a mobile website or in-store, a client note by Citi analysts said.<blockquote>花旗分析师的一份客户报告称，鉴于苹果支付在移动网站或店内的广泛覆盖范围和卓越的消费者体验，它比银行或信贷公司的潜在产品构成更大的威胁。</blockquote> The BNPL industry has boomed as online shopping picked up pace during the global health crisis, with the number of merchants in the United States adding the repayment option nearly tripling in 2020, according to a McKinsey report.<blockquote>麦肯锡的一份报告显示，随着全球健康危机期间在线购物步伐加快，BNPL行业蓬勃发展，美国增加还款选项的商家数量在2020年增加了近两倍。</blockquote> In Australia, where the regulation of the fast-growing sector is light and adoption is higher compared to other markets, a Deloitte report said 30% of the consumers in the country have a BNPL account.<blockquote>在澳大利亚，与其他市场相比，对快速增长行业的监管较轻，采用率也较高，德勤的一份报告称，该国30%的消费者拥有BNPL账户。</blockquote> The sector’s fast-paced growth attracted Swedish firm Klarna, which has emerged as a major rival in Australia, and caught the attention of mainstream U.S. companies.<blockquote>该行业的快速增长吸引了瑞典公司Klarna，该公司已成为澳大利亚的主要竞争对手，并引起了美国主流公司的注意。</blockquote> U.S. payments giant PayPal launched its service in Australia on Wednesday and raised the ante by saying it would do away with late fees, an area that had earned Afterpay close to A$70 million ($52.23 million) in fiscal 2020.<blockquote>美国支付巨头PayPal周三在澳大利亚推出了这项服务，并加大了赌注，表示将取消滞纳金，Afterpay在2020财年在这一领域的收入接近7000万澳元（合5223万美元）。</blockquote> The Bloomberg report said Apple Pay users would be allowed to split their payments into four interest-free instalments, or across several months with interest - a model similar to rivals Klarna, Afterpay, Zip’s Quadpay and Affirm.<blockquote>彭博社的报道称，苹果支付用户将被允许将付款分成四期免息分期付款，或分几个月支付利息——这种模式类似于竞争对手Klarna、Afterpay、Zip的Quadpay和Affirm。</blockquote> A Goldman Sachs spokesperson declined to comment, while Apple was not available for comment.<blockquote>高盛发言人拒绝置评，苹果也无法置评。</blockquote> Afterpay said competition reinforces the significance of the sector and that each BNPL player operates a different model and generate revenue in different ways.<blockquote>Afterpay表示，竞争增强了该行业的重要性，每个BNPL参与者都运营不同的模式并以不同的方式产生收入。</blockquote> A Zip spokesman said Apple’s reported move validated the company’s business where it was growing customer numbers despite increased competition.<blockquote>Zip发言人表示，苹果报道的举措证实了该公司的业务，尽管竞争加剧，但该公司的客户数量仍在增长。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.reuters.com/article/apple-pay-goldman-sachs/update-4-apples-potential-buy-now-pay-later-plan-sends-sector-shares-tumbling-idUSL4N2OP3RO\">Reuters</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果","PYPL":"PayPal"},"source_url":"https://www.reuters.com/article/apple-pay-goldman-sachs/update-4-apples-potential-buy-now-pay-later-plan-sends-sector-shares-tumbling-idUSL4N2OP3RO","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1176184294","content_text":"(Reuters) -A report that Apple Inc is working on a service to let users pay for purchases in instalments dragged down shares in the ‘buy now, pay later’ sector, which has thrived during the pandemic as online shoppers look for easier repayment options.\nThe U.S. tech giant will use Goldman Sachs, its partner since 2019 for the Apple Card credit card, as the lender for the loans, Bloomberg News reported, citing people familiar with the matter.\nThe prospect of going up against a behemoth like Apple, as well as other entrants including PayPal, was likely to test Australian pure-play BNPL firms that have so far gone unchallenged in a fertile U.S. market.\nShares of Australia-listed Afterpay, the country’s biggest BNPL provider which derives a big chunk of its revenue from the United States, dived nearly 10% on Wednesday.\nSmaller rivals Zip Co Ltd and Sezzle fell sharply. Nasdaq-listed Affirm Holdings Inc tumbled more than 14% on Tuesday following the Bloomberg report and closed 10.5% lower.\nApple Pay is a bigger threat than potential offerings from banks or credit companies given its wide reach and superior consumer experience on a mobile website or in-store, a client note by Citi analysts said.\nThe BNPL industry has boomed as online shopping picked up pace during the global health crisis, with the number of merchants in the United States adding the repayment option nearly tripling in 2020, according to a McKinsey report.\nIn Australia, where the regulation of the fast-growing sector is light and adoption is higher compared to other markets, a Deloitte report said 30% of the consumers in the country have a BNPL account.\nThe sector’s fast-paced growth attracted Swedish firm Klarna, which has emerged as a major rival in Australia, and caught the attention of mainstream U.S. companies.\nU.S. payments giant PayPal launched its service in Australia on Wednesday and raised the ante by saying it would do away with late fees, an area that had earned Afterpay close to A$70 million ($52.23 million) in fiscal 2020.\nThe Bloomberg report said Apple Pay users would be allowed to split their payments into four interest-free instalments, or across several months with interest - a model similar to rivals Klarna, Afterpay, Zip’s Quadpay and Affirm.\nA Goldman Sachs spokesperson declined to comment, while Apple was not available for comment.\nAfterpay said competition reinforces the significance of the sector and that each BNPL player operates a different model and generate revenue in different ways.\nA Zip spokesman said Apple’s reported move validated the company’s business where it was growing customer numbers despite increased competition.","news_type":1,"symbols_score_info":{"AAPL":0.9,"PYPL":0.9}},"isVote":1,"tweetType":1,"viewCount":460,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":2,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/144044848"}