支付宝可以征服亚洲吗？ [美国媒体]

-------------译者：耗子领袖-审核者：一般劳动人民------------



Ant Financial Services Group a spin-off from the Alibaba Group that runs the e-wallet and online payment service Alipay is pushing into the markets of the northern member states of the Association of Southeast Asian Nations (ASEAN) even faster than China invests in basic infrastructure there.

蚂蚁金服（阿里巴巴集团旗下的一个运营电子钱包和网上支付服务的子产品）正在开拓市场东盟（东南亚国家联盟）的北部成员国的市场，其速度甚至比中国在当地的基础设施建设的投资还要快。

At King Power Bangkok’s largest duty free store some 15 kilometers from the Thai capital’s Suvarnabhumi Airport a group of free-spending Chinese tourists is going on a shopping spree right before hopping on a plane home.

在距离曼谷素万那普国际机场15公里远的地方，一群的即将登上返程航班的中国游客正在曼谷最大的免税店里肆意地大买特买（ free-spending本意是挥霍无度的）。

 -------------译者：lanrlt-审核者：耗子领袖------------

At the cash register the women pull out their mobile phones instead of wads of paper bills in the Thai baht local currency. With deft movements that reveal habitual use they open the Alipay app and swipe it over QR codes to pay for their purchases.

在收银台，这位女士没有拿出当地货币泰铢，而是熟练地掏出手机，打开支付宝，滑动到QR码页面来支付，显得很习惯.

When we enter a 7-Eleven convenience store near the Phrom Phong Skytrain station hoping to buy a pack of popular caramel candy the Thai clerk explains “Don’t bother looking for it it’s all been bought up by Alipay users.”. A sticker with the Alipay logo adorns the cabinet next to him.

在蓬帕轻轨站附近，当我们进入7-11便利店希望买一包流行的太妃糖时，泰国职员解释说，"没有了，已经被支付宝用户买光了"，在他旁边的柜子上贴着一张印着支付宝Logo的贴纸.

-------------译者：黎明晖烬-审核者：瞽子------------

“Chinese tourists travel to Thailand Malaysia Singapore Vietnam and Laos. They frequently travel abroad and their consumption is on the rise. They bring smartphone payment systems with them overseas“ notes Zhang Dayong head of the Southeast Asia Region at Ant Financial.

“中国游客前往泰国、马来西亚、新加坡、越南、老挝旅游。他们经常出国旅行，消费也在不断提升。他们把移动支付系统带到了海外。”蚂蚁金服东南亚地区总监Zhang Dayong 解释道。

How big is the crowd that uses their smartphones as digital wallets?

使用智能手机作为电子钱包的人群有多大？

Chinese Tourists Build an RMB Zone

中国游客创造了一个人民币“元区”。

-------------译者：cyber power-审核者：masterchan------------

Thailand reported 8.77 million visits by Chinese tourists in 2016. The Thai government had originally expected the annual number of Chinese visitor arrivals to top 10 million but the death of King Bhumibol Adulyadej last October put a damper on tourism. Nonetheless China has already become the biggest source of tourists for Thailand.

据泰国报道，在2016年中国游客对泰国访问量达到877万人次。泰国政府原本预计中国游客人数将达到1000万人次，而去年10月份的普密蓬·阿杜德国王逝世，阻碍了旅游业。尽管如此，中国已经成为泰国游客的最大来源。

China is not only a major investor in the five other Mekong River Delta countries its travel-hungry shopaholic citizens are also contributing significantly to domestic consumption in these markets.

中国不仅是湄公河三角洲五大国家的主要投资者，热衷旅游和购物的中国公民也为这些市场的内部消费做出了重大贡献。

-------------译者：黎明晖烬-审核者：龙腾翻译总管------------

As ambitious infrastructure projects with dominant Chinese involvement such as the high-speed railway between Bangkok and Nakhon Ratchasima Province have yet to be completed Alipay China’s leading mobile payment service works on realizing the Chinese dream of an internationalized Chinese currency the renminbi (RMB).

鉴于中国投入巨资的雄心勃勃的基建项目——如曼谷府和呵叻府间的高铁线路还有没完工。中国移动支付领军者支付宝致力于实现中国人人民币国际化的梦想

Thanks to the smartphone transactions of more than one million Chinese tourists Thailand a large consumer market within the Mekong River Delta region has already become part of the “RMB economic sphere.” In the next step Alipay wants to continue its expansion in neighboring Laos and Myanmar.

多亏了100多万中国游客的手机移动支付，泰国已经成为“人民币经济区”的一部分。接下来支付宝想将业务扩展到临近的老挝和缅甸。

-------------译者：黎明晖烬-审核者：龙腾翻译总管------------

“The payment system is a very important part of infrastructure. What we do is take our technology abroad and helps the destination countries to establish mobile payments” remarks Zhang.

“支付系统是基础设施的重要组成部分。我们做的就是把我们的技术推广到海外，帮助有关国家建立移动支付系统。”Zhang 评论道。

Tai Wan-ping professor at the Department of International Business of Cheng Shiu University in Kaohsiung frequently visits Southeast Asia for academic exchanges. He believes that Alipay could make the concept of an Asian regional currency obsolete. “The new economy means that development is leapfrogging. Who knows? Alipay might become the Asian dollar of the future” posits Tai.

高雄正修科技大学国际贸易系的Tai Wan-ping 教授经常在东南亚地区作学术交流，他认为支付宝可能会淘汰亚洲地区货币的概念。R03;Tai 猜想：“新经济模式意味着发展是跳跃式的。谁说的准呢？也许支付宝会在未来成为亚洲通用货币。”

-------------译者：周天寰宇2-审核者：Mr.ceer------------

Thailand First Choice for Expansion

泰国是海外扩张的首选

Alipay began its global foray in 2015 making Thailand its first stop due to the country’s proximity and its large number of visitors from China.

由于泰国靠近中国而且吸引了大量来自中国的游客，2015年支付宝首先在泰国开始了它的全球扩张道路。

Jenny Jaruwan Wongjesadasakul vice general manager of Thailand’s No. 1 department store brand Central Department Store notes “The Central Group owns nine Central Department Stores in Thailand all of which accept Alipay. Chinese tourists already account for 35 percent of transactions.”

泰国第一家百货商店品牌——中央百货公司的副总经理Jenny Jaruwan Wongjesadasakul说：”“中央集团在泰国拥有9家中央百货公司，他们都接受支付宝。”中国游客已经占据了35%的交易量。

-------------译者：lanrlt-审核者：cyber power------------

“The shop owners are all very willing [to use Alipay] because they can send their own marketing information into the customer’s hand through Alipay in an efficient way” explains Ant Financial Thailand country manager Sodprasert Pipavin.

"店主都非常愿意使用支付宝，因为通过支付宝，他们能高效地将商品信息发送给他们的顾客"，蚂蚁金服泰国区经理 Sodprasert Pipavin说.

Su who hails from Thailand worked in the banking industry in Beijing from 2007 to 2014 witnessing China’s mobile internet revolution and the emergence of Chinese-style payment tools first-hand. Having gotten used to using Alipay in China she is now pushing Alipay’s expansion in her home country.

苏来自泰国，从2007年至2014年一直在北京的银行业工作，见证了中国的移动互联网革命和中国式支付从无到有，习惯使用支付宝的她正致力于在她自己的国家推广支付宝.

“This year we want to popularize [Alipay] with small shop owners and street stall vendors” says Su in fluent Mandarin.

"今年我们要在小型店主和摊贩之中推广支付宝"，苏用流利的普通话说到.


-------------译者：周天寰宇2-审核者：龙腾翻译总管------------

BillyBattsShinebox
Isn't Alipay a bit of a pain in the dick to set up if you don't have a Chinese ID card? I remember having to send pictures of my passport and stuff but that was a few years ago.

如果你没有中国身份证，那么使用支付宝是不是有点麻烦?我记得我曾不得不将我的护照和资料发照片给支付宝，但那是几年前的事了。

HotNatured
Yeah I think it's the same with most of these Chinese techs. We'll keep hearing about them expanding out and conquering the world but that isn't reasonable given a handful of factors:
1.Onerous registration requirements for non-citizens
2.Chinese government data access
3.Lack of transparency regarding these issues and others

是的我认为它和大多数中国科技公司一样。我们会一直听到他们扩张并征服世界，但考虑到一些因素其实并不合理：
1.对于非中国公民来说，注册步骤太繁杂
2.中国政府可以获取相关数据信息
3.一些事情缺乏透明度

-------------译者：lanrlt-审核者：龙腾翻译总管------------

sertitus
I set it up in February and had to enter my passport number but did not have to send them pictures.

我二月份安装的，必须输入护照号码，但无需发送图片

BillyBattsShinebox
A lot easier now then. Unless I'm mixing it up with something else it took me a good three or so attempts to get my account set up and I had to wait a day or two between attempts.

现在简单多了，如果我没记错的话，我之前花了三次左右才成功设置了帐号，每次间隔一两天。

exceptionalaverage
What would anybody in other countries want to use alipay? There's already Visa paywave Mastercard paypass wechat pay apple pay Samsung pay.... I've only seen 'alipay accepted' signs in Thailand twice at touristy areas and the signs and writing were all in Chinese language so it's not very user friendly or needed for anybody who's not Chinese.

其他国家怎么会有人想用支付宝? 他们已经有了Visa pay，万事达pay，微信pay，苹果pay，三星pay...我只在泰国的旅游景点看过两次"接收支付宝"的标识，中文书写，因此对用户不够友好，或者只面向中国人

-------------译者：周天寰宇2-审核者：龙腾翻译总管------------

dazzazhonggua
Apple and Android Pay should go for the Thai market heavily.
I for one don't want the Chinese government supported companies to have any kind of foothold anywhere else. Can't be trusted at all.
If there was a data breach they wouldn't even tell you. Both Alipay and Wechat Pay work on rooted Android phones. Google does everything it can to stop Android Pay working in these circumstances for security reasons.

苹果支付和安卓支付应该大举进入泰国市场。
我一点也不希望受到中国政府支持的公司在其他地方有任何据点。他们一点也不能被相信。
如果有数据泄露，他们甚至不会告诉你。支付宝和微信支付都在安卓智能机上运营。为了安全起见，谷歌全力阻止安卓支付在这种状况下工作。

dandmcd
Root is incredibly easy to hide so it doesn't really matter. Most people who actually use Google Pay have it setup to hide root when accessing certain apps.

地址很容易隐藏所以它并不重要。大多数使用谷歌支付的人在访问特点网站时都会设置隐藏地址。

Gish21
There  is zero use among Thais. Its just a few large chain stores catering to Chinese tourists.

泰国人几乎不用支付宝。只有几家大型连锁商店为了服务中国游客才有在用。

-------------译者：周天寰宇2-审核者：龙腾翻译总管------------

chanhyuk
I had this conversation with my Thai and Chinese friends. My Thai friends said Wechat Pay is used in Thailand but didn't specify how widespread. My Chinese friends who visited Thailand commented how they were surprised so many establishments used Wechat Pay.
I know it's not Alipay but if Wechat is makIng inroads I'm sure it won't be that difficult for Alipay to do the same.

我和我的泰国中国朋友探讨了这个问题。我的泰国朋友说在泰国有人用微信支付但并没有说明有多广泛。我的中国朋友游览过泰国，他说他们很惊讶泰国有很多使用微信支付的商店。
我知道不是支付宝，但是微信可以成功进入的话，那么我觉得支付宝进入也不会那么困难。

Gish21Japan
Wechat pay is offered at 7-11 and a few other large chain stores and used exclusively by Chinese tourists and expats living in China. I've never met a Thai person who even uses wechat unless they have friends living there and use it because LINE and Facebook are blocked. Thai people don't use it not even sure if its possible with a Thai bank account. I signed up for wechat with my Thai phone number and the wallet function didnt even exist until i had a Chinese friend send me some cash. I cant get my account to lix with it or Alipay. Only my Chinese acvount will work

只有7-11便利店和几家大型连锁店有在用微信支付，而且只是中国游客和居住在中国的外国人在使用。我从没见过泰国人使用微信除非他们有住在那儿的朋友，用微信也只是因为LINE和脸书被封锁了。泰国人并不使用微信因为不确定泰国银行账户是否可行。我用我的泰国手机注册了微信，钱包功能甚至并不存在直到我的中国朋友发给我一些钱。我的泰国账户无法连接微信或支付宝。只有我的中国账户能使用。

-------------译者：周天寰宇2-审核者：龙腾翻译总管------------

raschiu
How about in the U.S. ? Is it popular to use Alipay?

美国能用吗？美国很多人用支付宝吗？

oneLpUnited States
I haven't been back to the states in almost a year but I can still confidently say that the answer is fuck no.

我将近一年没有回国了但我能确定不能使用支付宝。

derrickcope
I used Alipay with uber while I was in the US last month.

上个月我在美国用支付宝付了优步的钱。

oneLp
The convenience of alipay is really only because of its widespread adoption in China. The QR code system means that any small shop or street vendor can accept it for payment. It's entirely possible to go through the day in China without carrying cash or card.
Apple Pay and android pay use NFC which requires retailers to purchase compatible equipment. Since it isn't terribly popular (at least in the US) retailers aren't inclined to buy into the system. Since it isn't widely accepted it hasn't become popular. This cycle limits the convenience as a replacement for cash or cards.

在中国支付宝的便利只是因为其广泛被使用。二维码意味着小商店和街道小贩都能利用它进行支付。现在在中国不带现金或银行卡完全没问题。
苹果支付和安卓支付使用了NFC技术，要求零售商购买兼容设备。但是用的人不多（至少在美国是这样），所以零售商不爱购买这样的兼容设备。由于它没有被广泛接受，所以也不流行。所以这个恶性循环限制了它取代现金或信用卡的便利性。