万事达卡Q1财报电话会中关于人民币卡的问答

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飞客3066139  白金会员   楼主| 2024-5-4 01:49:14  | 显示全部楼层
We're obviously not starting from zero here. We had a strong cross-border business. So we have relationships in play to give us a heads up. There was a timeline associated with the license, and we're expecting to go live with the first transactions to a very specific question here in the month of May.
我们显然不是从零开始。我们有强大的跨境业务。因此,我们已经建立了关系,为我们提供了先机。与许可证相关的有一个时间表,我们预计在 5 月份上线第一批交易,以解决一个非常具体的问题。
飞客3066139  白金会员   楼主| 2024-5-4 01:49:39  | 显示全部楼层
As far as using existing cards in China, I think the key question here behind that is how can you use existing acceptance in China and start to generate volume? And here, our approach is through the partnership with the digital wallets to have these cards put into the digital wallets so they can be used at a whole wide range of merchants in China. So I do want to say we are excited. At the same time, it's clear we're going to start processing, remember, transactions domestically. This is a medium to long-term opportunity.
至于在中国使用现有的银行卡,我认为这背后的关键问题是,如何利用中国现有的受理能力并开始产生交易量?在这里,我们的方法是通过与数字钱包合作,将这些卡放入数字钱包,这样它们就可以在中国的各种商户中使用。所以我想说,我们很兴奋。与此同时,很明显,我们将开始在国内处理交易。这是一个中长期的机会。
飞客3066139  白金会员   楼主| 2024-5-4 01:49:59  | 显示全部楼层
In the short term, there's more work that we need to do to build out more acceptance and continue to get more card programs out. But we feel very encouraged about that. Our teams are very busy with that activity.
在短期内,我们还需要做更多的工作,以建立更多的接受度,并继续推出更多的银行卡项目。但我们对此感到非常鼓舞。我们的团队正忙于这项工作。
飞客3066139  白金会员   楼主| 2024-5-4 01:52:04  | 显示全部楼层
后面CFO还补充了一点有关外卡在境内使用的问题,这里就只贴原文了:
And, Craig I'll just add a couple of points as it relates to China. One, I think you might have seen in the press that the Chinese government is pushing hard to increase in-bound cross-border travel by expanding acceptance of international cards. That's their way of making sure that they're encouraging tourism inbound into the country. And we're actively working on expanding our footprint there, just expanding over what Michael said.
That's point number one as it relates to how we're seeing the China play-play out. The second point I'll make on China is it's kind of interesting when you think about a Mastercard card issued in China going forward, that would probably be one of the few networks which is most widely accepted across the globe, just by virtue of the fact that those cards are now going to be accepted in China and that expect already accepted across the globe. Different from our competitors in many ways. So we like what we're doing in terms of pursuing a strategy down there.
I just wanted to make sure I kind of brought those two points out as well.
飞跃客  黑钻会员  2024-5-4 09:15:33  | 显示全部楼层
这老外说话太绕圈,他的意思是,存量卡能不能在国内用还是需要重新发一张卡这个问题不重要,因为国内没有人刷实体卡,要持卡人绑一张新卡这个动作等同于重新发一张新卡,无需回答提问者这个不是问题的问题
NO遇上CO  钻石会员  2024-5-4 10:23:15  | 显示全部楼层
这么说本月就上线了,不知道首发花落谁家
ramaccioni  蓝钻会员  2024-5-4 12:17:18  | 显示全部楼层
不一定5月发卡呀。存量卡绑上数字钱包通过网联交易成功,即意味着万事网联的人民币清算网络正式开通生效,实现6个月内的开业目标了。The very specicfic question here指的就是问题里six-month anniversary。
飞客3066139  白金会员   楼主| 2024-5-4 12:19:24  | 显示全部楼层
飞跃客 发表于 2024-5-4 09:15
这老外说话太绕圈,他的意思是,存量卡能不能在国内用还是需要重新发一张卡这个问题不重要,因为国内没有人刷实体卡,要持卡人绑一张新卡这个动作等同于重新发一张新卡,无需回答提问者这个不是问题的问题
对投资者说的话,尚未确定的东西就只能兜圈画饼了
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Nostalgeo2024-5-4 19:09
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飞客3066139  白金会员   楼主| 2024-5-4 12:20:33  | 显示全部楼层
ramaccioni 发表于 2024-5-4 12:17
不一定5月发卡呀。存量卡绑上数字钱包通过网联交易成功,即意味着万事网联的人民币清算网络正式开通生效,实现6个月内的开业目标了。The very specicfic question here指的就是问题里six-month anniversary。
前提是存量卡能直接用,我相信这点比直接发新卡要困难
飞客3066139  白金会员   楼主| 2024-5-4 12:25:51  | 显示全部楼层
NO遇上CO 发表于 2024-5-4 10:23
这么说本月就上线了,不知道首发花落谁家
敬请期待
duud11  金卡会员  2024-5-4 17:55:24  | 显示全部楼层
相当于没有回答存量卡这个问题。看看6月份怎么说吧
SebastianYu  金卡会员  2024-5-5 14:57:22  | 显示全部楼层
duud11 发表于 2024-5-4 17:55
相当于没有回答存量卡这个问题。看看6月份怎么说吧
存量卡回答很明显了,只能绑第三方支付在内地消费…
cc-wpn  白金会员  2024-5-5 20:17:31  | 显示全部楼层
楼主也用Deepl啊
茴香蚪  蓝卡会员  2024-5-5 20:55:54  | 显示全部楼层
本帖最后由 茴香蚪 于 2024-5-5 20:57 编辑
存量卡还有一个问题,就是那些申请几乎无门槛的单标白金卡、世界卡假如之后可以在境内用的话怎么算年费,还是终免吗?当然本来万事达就几乎没给那些卡什么卡组织权益,而且幸好最高等级的世界之极没有变水,不像VISA搞出了广发VISA无限卡这种终极水货。
飞客3066139  白金会员   楼主| 2024-5-5 22:29:13  | 显示全部楼层
cc-wpn 发表于 2024-5-5 20:17
楼主也用Deepl啊
deepl确实好用
nickyzr  蓝钻会员  2024-5-6 15:55:37  | 显示全部楼层
如果新卡功能齐全,都会申请新卡吧,本论坛谁还用存量卡呢。。。
飞客3066139  白金会员   楼主| 2024-5-6 17:44:48  | 显示全部楼层
nickyzr 发表于 2024-5-6 15:55
如果新卡功能齐全,都会申请新卡吧,本论坛谁还用存量卡呢。。。
玩卡的还是少数
ramaccioni  蓝钻会员  2024-5-7 09:57:41  | 显示全部楼层
飞客3066139 发表于 2024-5-4 12:20
前提是存量卡能直接用,我相信这点比直接发新卡要困难
境外万事达现在已经可以绑定微信或支付宝通过网联通道清算了。
后台数据库更新一下国内万事达的bin号技术上很容易实现。
飞跃客  黑钻会员  2024-5-7 10:08:01  | 显示全部楼层
ramaccioni 发表于 2024-5-7 09:57
境外万事达现在已经可以绑定微信或支付宝通过网联通道清算了。
后台数据库更新一下国内万事达的bin号技术 ...
没有这么简单。
存量卡大部份只有美元账户或者是人民币/美元(主账户)双币双账户,银行端需要给存量卡加挂人民币账户或者调整主账户,这个就轮不到卡组织决定了,银行自己会考虑直接新发卡还是改造存量卡哪个成本低。所以,存量卡能不能刷不是万事达说了算,CEO也回答不上来。
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sz小师爷2024-5-8 09:28
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