2022年12月11日

澳大利亞國民銀行(National Australia Bank)的風險投資基金投資了一家總部位於倫敦的金融科技公司，為澳大利亞零售商帶來新的“銀行支付”選項。NAB Ventures已向Banked投資了數百萬美元，與美國銀行(Bank of America)和花旗(Citi)一起成為這家初創公司的股東，該公司正在開發技術，允許商家無需借記卡就能直接從客戶的銀行賬戶中付款。“我們的市場戰略是通過與銀行合作。”在澳大利亞，“賬戶對賬戶”的支付功能將在PayTo的旗幟下推出，這是澳大利亞儲備銀行(Reserve Bank of Australia)的優先事項，因為它試圖降低零售商的支付成本。PayTo是一種數字實時支付服務。澳大利亞央行行長菲利普·洛(Philip Lowe)周三將在悉尼的一次活動上向支付行業發表年度演講。澳大利亞國民銀行(NAB)、澳新銀行(ANZ)和西太平洋銀行(Westpac)預計將在明年4月之前啟用PayTo，此前聯邦銀行(Commonwealth Bank)已於9月啟用PayTo。這種替代支付方式可以為購物者創造更順暢的購物體驗，但人們的認知度仍然很低，但一旦所有大銀行都啟用了這種支付方式，預計認知度將會上升。最終，PayTo將取代現有的直接借記係統BECS。隨著PayTo的推出，商家網站將開始顯示“通過銀行支付”按鈕，與信用卡、貝寶或先買後付選項展開競爭。 The system, which will also be available in stores via QR codes, sends customers to their bank app for authentication, reducing fraud rates because card numbers are not used. It will also give customers more control over recurring and subscription payments. Start-ups eye Visa, Mastercard revenues NAB Ventures participated in an extension of Banked’s recent Series A funding round where the start-up raised $US5.3 million ($7.8 million). The round was led by Insight Partners, and Citi also took part. NAB Ventures declined to disclose the precise amount of the investment. Bank of America is already a shareholder of the company, which was founded in 2018 and has raised just over $US50 million. Advertisement Banked is one of many companies in the “account-to-account” payments territory where start-ups are seeking to take a slice of massive revenues earned by Visa and Mastercard. Another UK-based player is GoCardless, which processes more than $US30 billion of payments in more than 30 countries each year.