跨境解决方案：减少错误并降低欺诈风险

欢迎收听《支付节拍》，这是一档揭示全球支付领域核心律动的播客节目。由支付咨询网络主办，我们将为您带来全球行业专家的深度见解。请持续关注，以发现新视角与趋势，并加入我们的对话。

Welcome to Payments Beats, the podcast where we uncover the beat that powers the world of payments. Hosted by Payments Consulting Network, we'll give you comprehensive insights from global industry experts. Stay tuned to uncover new perspectives and trends and be part of the conversation.

大家好，我很荣幸邀请您收听本期播客，嘉宾是IPED联合创始人艾伦·雷耶斯，以及亚太区区域总监奎因·范。IPED是新近成立的公司，其使命是让全球支付变得简单、安全且无缝。他们的解决方案已在多国上线，帮助银行和企业减少差错，使跨境支付流程更加安全可靠。热烈欢迎艾伦和奎因，感谢你们抽空参与。

Hi, It's my pleasure to invite you to the podcast with Alan Reyes, co founder, along with Quinn Fan, who's the regional director for APAC for IPED. IPED is a company founded recently, has a mission to make global payments simple, secure and seamless. And with their solutions that are now live in multiple countries, they help banks and firms reduce the errors and help making the cross border journey more safe and secure. So a big welcome to Alan and Quinn. Thanks for taking the time for this.

或许我该直接进入提问环节，先请阿兰简要介绍下您的业务和您本人。

Maybe I'll just jump right into the questions here and hand it over to Alain to give a brief overview of your business and an introduction to yourself as well.

感谢拉杰特的邀请，很荣幸参与这期播客。我是阿兰·哈斯，Hypbit联合创始人兼首席商务官。我的职业生涯大部分在SWIFT度过，过去十四年一直是全球执行委员会成员。

Well, thank you Rajat for having us. It's a real pleasure to participate in this podcast. My name is Alain Haas. I'm actually one of the co founder of Hypbit and the CCO in this context. I spent most of my career at SWIFT where I've been member of the global executive committee for the last fourteen years.

我曾在SWIFT担任多个地区的首席营收官，最后十二年在亚洲工作。与几位前同事离开SWIFT后，我们考虑创立一家金融科技公司。审视支付行业时，我们发现尤其在跨境支付用户体验方面仍有大量改进空间——并非资金流转本身（过去十五年已有大量投资使其高效运作），而是如何让支付对所有人更便捷。

I was actually the Chief Revenue Officer for SWIFT in many different locations and I spent the last twelve years in my career in Asia. When I left SWIFT with a couple of my ex colleagues as well, we thought about eventually creating a new company, a fintech. And actually when we looked at the payments industry, we realized that there was still actually a lot of things to be done, especially in the cross border space as far as the customers experience is concerned. Not really about moving the money because there obviously a lot of investment, a lot of developments have happened over the last fifteen years that makes essentially the industry a lot efficient. But as far as the cross border payments customer experience is concerned, we thought we could really help making actually payments easier for everyone.

公司成立于两年半前，总部设在新加坡，现已真正全球化。我们在亚洲多地设有分支机构，吉隆坡有开发中心，欧洲和中东也有团队。

So we founded the company about two and a half years ago, headquartered in Singapore. But now we are truly global. We have different locations essentially in Asia. We have development centers in Kuala Lumpur, Malaysia. We have people in Europe, in The Middle East.

我们刚完成美国团队招募，实现了全球布局。首要使命是构建B2B平台，通过帮助付款方在支付前验证收款方关键数据，提升跨境支付体验。该平台将连接付款方与收款方的支付服务提供商。十八个月前平台上线后，我们正全力推进业务扩展，验证模型价值以优化客户体验。

We've just we just finalized the recruitment in The US as well, so we're truly global in that context. And really the first mission we've seen is about building a B2B platform that will help enhancing this customer's experience I was talking about by helping the payer to validating before sending the payments the essential data points of the payee, the receiver of the payment. And that platform will be connecting therefore the PSP of the payer to essentially the PSP of the payee. We launched it live about eighteen months ago, so we are really full speed, full throttle onto the business expansion, explaining the validity of our model and how really actually could help the industry to enhance ultimately the customer's experience of our client.

谢谢阿兰。奎因，也请你做个简短自我介绍？

Thanks, Alain. Quinn, how about you? A quick intro for you as well.

感谢拉杰特邀请。我是奎因·范，加入IPED约两年，自公司创立起负责亚太区业务拓展。很高兴能在此分享更多关于IPED的信息。

Thank you, Rajat, and thanks for inviting us. My name is Quinn Pham. I've joined IPED for about two years now, much ever since the company started. And I've been looking after the business development for IPED in the APAC regions. I'm happy and excited to be here and to share more on IPED.

直接进入提问环节：鉴于你们取得的显著成果，能否谈谈你们方案的核心优势、重点关注的行业领域，以及与同类方案提供商的差异化特点？

Just diving straight into the questions, which would be useful to hear from you guys. Clearly, are some huge benefits from what you've done. It's very impressive. A great way to maybe tell us about some of the key strengths that you are with your proposition, the industry sectors in any case to focus on and the key differentiators with respect to similar solution providers?

谈到核心主张，我认为——这也是基于跨市场领域的工作经验——我们可以分享的是，我们实际服务于多个行业。因此我们不仅限于服务金融机构或银行。除了银行或支付服务商使用银行账户验证的明显用例外，我们的目标客户还包括大型企业，如保险公司、电商平台、加密货币交易所等。

When it comes to key propositions, I think, and this is from also working across different market segments. I can share that we actually serve various sectors. So we're not only limited to serving financial institutions or just banks. So there's besides obvious use case for banks or payments providers to use bank account validations. Our target segments also include big corporates, like the insurance company, e commerce marketplace, crypto exchange platforms, etcetera.

所有这些参与者都能从我们的解决方案中受益，因为他们每天都要处理海量支付交易。我们还与聚合商合作，比如核心银行服务商、风控解决方案提供商。这些机构通常会将我们的解决方案嵌入其平台，再转售给他们的银行或企业客户。纵观所有客户和不同用例，我们发现这类服务确实存在真实需求。简而言之，我们观察到三大主要应用场景。

All these are players that we will be able to serve and will benefit from our solutions simply because they process large and huge volumes of payments every day. We also working with aggregators, so like core banking providers, risk solution providers. These are players that would typically embed our solutions into their platform and then resell it to their banks or corporate customers. So I think that we realize across all of our customers in across all of the different use case, we realize that there's actually a real demand for such service simply. And I think that to put it very short, there's three main use case that we see.

第一类用例与支付失败和拒付相关，这会增加企业的流动性成本。根据统计数据和我们的观察，约5%-10%的支付因信息错误、银行代码错误、账号错误或收款人姓名不匹配而遭拒付。这是最常见的场景之一。第二类用例则是我们到处都能听到的问题——欺诈和诈骗，这已成为全球性难题。

The first use case is really related to fail and rejected payments that leads to further cost in terms of liquidity of a company. And statistically, and also based on our observations, we see that around five to ten percent actually get rejected because of wrong information, wrong bank code, wrong account number, or the beneficiary name mismatch also leads to the rejections of payments. So this is really one of the most common use case that we see. But also the second use case we're talking about here is really the issues that we have been hearing, everywhere. It's actually fraud and scams, and it's becoming some real problems globally.

分享一个最新数据：几天前我看到新加坡的报告显示，去年当地诈骗案件数量创历史新高——仅新加坡就发生4.6万起诈骗案，造成行业损失约6亿美元，形势十分严峻。在英国，大部分欺诈案件属于授权推送支付诈骗。我们的价值在于帮助识别账户真实性，确认收款方是否为目标对象。已有实证表明，收款人确认或账户验证能有效减少欺诈行为，这是我们日益常见的应用场景。

If I can just quickly show a stat, I've just ran across a report in Singapore a few days back reporting the number of fraud cases in Singapore last year is actually of all time high. 40 six thousand cases of frauds and scams just in Singapore, and it's costing around $600,000,000 to the industry, and that is really becoming alarming. In The UK, the majority of fraud case actually from authorized push payment frauds, and that is where we come in to help is that we help to identify the accounts, whether it's actually the account that you are sending money to is the intended recipient. So there is also already a case and real proven to that confirmation of payee or account verification in the effectiveness in helping to actually reducing fraud and scam. So this is actually one of the things that we see more and more often.

我们自始至终坚信要提升支付体验、建立信任感。当您向海外付款时，应该清楚知道款项去向——这就是第三类用例。我们希望通过将验证功能开放给前端应用程序和付款人，从而改善整体跨境支付体验。

What we firmly believe in from the beginning is to improve that payments experience, to provide that confidence. When you go into paying somebody overseas, you can see who you are actually paying to. So that is really the last use case. What we believe in is to improve the overall cross border payments experience by exposing this validation to your front end application, to your payers.

说得太对了Quinn。很多时候这些解决方案过度关注技术和产品，却忽视了终端客户，反而丧失了吸引力。过去十年我们见证了行业演变，您刚才提到的经历中，相比以往创新应用的节奏，对跨境领域影响最显著的变化是什么？

Spot on Quinn. A lot of times, a lot of these solutions focus so much on the technology and the product and don't focus so much on the end client that sometimes it loses the magical appeal. We've seen the evolution in the past decade, and you just mentioned this experience you've had. What has been the most striking change that you've seen that has impacted the cross border world and the pace of these changes in comparison to previous innovation adoptions?

您说得很对。回顾90年代初支付行业的发展方式，对比非常鲜明。我记得在Zwift公司早期，跨境支付最快也要4-5天才能到账。如今资金跨境流动已非常迅速——虽然还不能算实时，因为仍存在外汇管制等障碍，但效率已大幅提升。

You're very right. If you look at the way the payments industry has evolved in the early 90s, it's quite striking, right? I remember my early days in the company at Zwift, where typically a cost of payments would not reach the final recipient before four or five days at best, right? Nowadays, see that cross border money actually is moving quite fast. We're getting to, in many cases, not really real time because you still have a certain number of offshore blockers, of obstacles, like like the exchange, of course, but also in many countries you still have actually money control as well.

这些因素仍会影响最终到账时间。但过去15年支付效率的进步确实惊人——先从国内支付开始：目前全球约75-80个国家已建成实时支付系统。记得英国最早推出快速支付系统，随后新加坡等多国迅速跟进。

So all of that is typically impacting the lapse times to deliver the final payments to the final recipients. But nevertheless, what you've seen over the last fifteen years is in terms of efficiency, really the speed of delivery of money, starting first by domestic payments. Today you have about 75, 80 countries in the world that actually have built and are operating real time payments infrastructures. Remember the days in The UK first with faster payments and then really expand very fast to many other countries. Singapore, of course, but many others.

美国虽然支付效率仍待提升，但现在也出现了RTP和FedNote等国内零售支付系统。可以说国内支付问题已解决，但跨境支付如我之前所说，虽在进步，短期内仍难达到国内支付的效率水平——尽管各方已为此付出巨大努力。

So US even actually, though US is still actually, you know, allows in terms of payments efficiency, but you've seen now actually the emergence of RTP, also FedNote that are typically domestic retail payment systems. So I would say that domestically it's solved. You have really real time payment systems. Cross border, as I mentioned before, we're getting there, but I'm not sure that anytime soon you're gonna get really to the same kind of efficiency, speed of delivery as you have domestically, but there's a lot that's been downported into making these payments efficient. Right?

行业另一重大变革是提升支付体验的投入——如何让付款过程变得更'愉悦'。这催生了所谓的叠加服务，比如二维码支付或代理支付。以新加坡为例，通过扫描二维码即可向任何人付款。

Now the other biggest investment and change that happened in the industry are typically also about how can you make the experience of paying to anyone a lot better, quote unquote enjoyable somewhere. Right? And that we want actually to the emergence of what we call overlay services. They're typically things like QR payments or proxy payments. You pay like in Singapore, you have a QR code, you can pay anyone.

在欧洲，一家名为PayConic的公司也推出了类似服务，许多其他国家实际上也在运营这类系统。‘请求支付’是另一种叠加服务。但关键在于，这些提升客户体验的叠加服务在99%的情况下仅限国内使用，它们无法跨系统互操作或相互连接。

You have this also appearing in Europe with a company called PayConic, and many other countries are actually operating these systems as well. Request to pay is another overlay. But the thing is that when it comes to those overlay or customers experience overlay services, for actually 99% of the cases, are domestic. They don't interoperate. They don't interconnect together.

对吧？比如我想从欧洲向新加坡的账户通过扫码支付，这根本行不通。这正是我们决定专注的领域——如何建立最终能实现这些客户体验叠加服务互操作的机制。从奎恩提到的账户验证机制开始，我们希望通过客户体验层面，确保付款人能准确支付给意向收款人。

Right? If I want to pay out of, for instance, Europe, to an account I have in Singapore using a pay no QR code, that's not going to work. And that's typically where we decide to focus. How to create mechanisms that ultimately can interoperate this customer's experience overlay services. Starting with what we call that Quinn mentioned the account validation mechanism whereby we want to provide, as a customer's experience, the certainty to the payer that he's gonna pay to the the person he he wants to pay.

这至关重要。正如我所说，无论国内还是国际支付，效率都已大幅提升且更加快捷。但随之而来的问题是欺诈率显著上升——资金流动过快使得中途拦截几乎不可能。我们常见到缺乏支付常识的人点击苹果产品链接后陷入诈骗陷阱。

And that's really crucial. If you look at payment efficiency, as I mentioned, payments domestically, internationally have become actually a lot more efficient, a lot faster. But the consequence of this also is that the the level of fraud is increasing significantly because the money is going so fast that stopping anything when it's going is becoming literally impossible. And you see those many cases where people not really very much astute about how to pay and all that. They're getting an Apple link connecting to some kind of scams.

资金转瞬消失且短期内难以追回。这个问题严重到监管部门不得不介入，因为若不采取行动，我确信欺诈问题终将动摇支付体系公信力——人们会逐渐丧失对现有支付系统的信任转而寻求替代方案。在数字化支付进程中，这绝对是监管机构和央行最不愿看到的局面。因此建立收款人信息验证机制虽非万能钥匙，但确实是长期缓解欺诈影响的有效手段之一。

Money is gone and becomes really impossible to retrieve it anytime soon. So that problem is becoming so much important that you see no regulators to begin because the reality is that if they don't do anything, I'm pretty much convinced that over time this issue of fraud, scams, and so on would be likely to undermine the credibility of the payment systems themselves. Meaning people would lose trust to own those payment systems and will start eventually using something else. And I think that's the last thing that moving to digital's way of paying, the last thing that regulators and central banks want to see is that happening. And that's why creating a mechanism that can really help you to validate the data of the payee is one way, and I'm not saying actually it's the killer app, I'm not saying it's a silver bullet, but it's certainly one way that will certainly mitigate the impact of fraud over time.

您说这不是终极解决方案，但仍是出色的应对之策。您认为未来还会有哪些趋势和创新来应对这个问题？您是否看到了其他可能性？

You said not the silver bullet, but it is still a fantastic bullet. What are the other trends and innovations you think that are going to be coming up in the future to address this? Is anything in your horizon?

两年前的情况截然不同——即便与支付行业资深人士讨论跨境收款人信息验证时，人们仍困惑我们究竟要解决什么问题。而过去十二个月里，整个行业认知已彻底转变，防欺诈解决方案现已成为最高优先级议题。

It's actually quite staggering two and a half years ago. Whenever actually we're talking, even to people that had long experience in the payment industry, we're talking about validating cross border wise the informational payee. People were looking at us and trying to figure out exactly what was really the problem we're trying to fix here, and that I'm talking about a lot of discussion we had about two years ago. I mean, what we've seen is a complete shift into this perception. Over the last twelve months, any person from the industry is actually having that issue of fraud and therefore solution for preventing fraud at the highest level of the agenda.

正如我所说，形势严峻到监管部门纷纷介入。您可能听说过英国的‘支付确认方案’，亚洲也有类似计划。但最具突破性的是欧盟新近批准的支付法规——两年后欧洲700亿笔交易都将强制实施账户预验证，这显然是大幅降低欺诈影响的有效途径。

So much so, as I mentioned, that regulators are stepping in. I'm sure that you've heard about the so called confirmation of pay scheme in The UK. You've also many of those schemes also developing in Asia. But perhaps the most staggering evolution of this is that the recent approval of the new European payments regulation that will mandate account validation for every single payments in Europe. I mean, 70 billions payments two years from now will have to be pre validated for simple reasons that that is a very clear path to reducing by big factor the impact of the fraud.

我坚信与客户体验相关的欺诈问题将成为未来一两年内行业持续讨论的核心议题。

So I really believe that this issue of fraud connected to customers' experience will be one of the key topics that the industry will keep talking about, certainly for the next one or two years.

谢谢艾伦。这让我想到另一个有趣的角度——作为驻香港的从业者，奎恩，这个问题可能更适合您回答：监管者、消费者和终端用户面临的主要挑战之一是数据访问与协议问题。在所有解决方案中，人们都非常担忧数据隐私的处理方式。

Thanks, Alan. And I think it also brings me to really another interesting point, being based in Hong Kong. And Quinn, I'd probably direct this to you. One of the bigger challenges that regulators and consumers and end users face is data access and protocols, right? So in all the solutions that are provided, everybody's quite worried about how their data privacy is handled and stuff like that.

像您这样的解决方案提供商如何应对这个挑战？

How does someone like you who's providing a solution manage to address that as well?

确实，数据隐私和数据管理始终是主要关注点之一。这也是我们与合作伙伴及客户交流时，他们最常询问的核心话题。从跨地区、跨司法管辖区的工作经验中，我还注意到不同市场、不同国家对数据隐私问题的处理方式存在细微差异，尤其是在打击欺诈和诈骗的背景下。例如，在亚洲及大多数新兴市场，令人惊讶的是，我们发现对数据共享或具体到账户名称共享的限制较少。举例来说，如果付款人提供银行账号和银行名称，我们实际上能够获取并显示该账户注册的姓名给客户。

Indeed, data privacy privacy and data management is always one of the main concerns. And this is when also when we talk to our partners, customers as well, it's always the key topic that they would be asking for. I can also share that from working through the regions in different jurisdictions, we've observed that each market, each country have a slight different approach to data privacy issue, especially when it comes in the context of fighting against frauds and scams. For example, if you're talking about Asia and in most emerging markets, surprisingly, we do see there's less limitation towards sharing of data or sharing in specific the name of the accounts. For example, if a payer provide us with a bank account number and a bank name, we actually able to receive or fetch back the name as registered for that account and show it to our customers.

这是专为亚洲新兴市场设计的。而在欧洲或英国等地，账户名称仅在不完全匹配时才会显示。比如，当我向Alain汇款时，若输入‘Alan’这个名字，系统会提示这是部分匹配，并显示全名‘Alan Raz’——前提是我能充分证明认识此人。

That's built for the Asian emerging markets. Now, when it comes to Europe side of the world or UK, for instance, the name is actually only shown to us in the case there is a partial match. Meaning as I'm sending money to Alain, for instance, if I input Alan's name, then I can see that, oh, actually it's a partial match. His full name is Alan Raz. I can see that returned to me because I sufficiently proved that I've known this person.

但如果我在Alan的账户输入‘Joe’，则完全无法看到Alan的姓名。这符合Doctor提到的防止数据采集和钓鱼的目的。我们确实遵循各司法管辖区的要求，确保客户在数据处理和共享方面也符合当地规定。在IPED，我们不存储或查看任何个人数据，所有信息通过我们网络时都会端到端加密。

But if I input a Joe into Alan's account, I will not be able to see Alan's name at all. So this is also in compliance with Doctor saying that the purpose is to prevent data farming and data phishing. So we do see that in each of the jurisdictions, we do actually comply to the local requirements as well and making sure that our customers will also be compliant to the local specific requirements when it comes to data processing, data sharing. At IPED, we do not store or see any personal data. All will be end to end encrypted when passing through our network.

我们仅作为管道或中转，将客户的请求路由至数据提供商以验证账户详情。

And we purely acting as a pipe or a pass through to route the request from our customer to the data providers to validate the account details.

这很有趣，因为刚才分享的内容在多司法管辖区解决方案中确实充满挑战。如Quinn所说，细微变化可能带来巨大差异。我相信所有类似服务提供商都面临这一现实——如今地缘政治环境本就使一切更加复杂。

It's pretty interesting because what just shared, you know, it's quite challenging, especially when you're trying to provide a multi jurisdiction solution. As Quinn said, even the slightest change can make a lot of difference. And I'm sure all the service providers similar to yours grapple with this reality. It's increasingly a far more complicated geopolitical world in any case to make things more interesting.

Rajat，还有一点：我们不仅每月持续扩展平台覆盖国家，同时也在探索增强平台功能的方式，以逐步提升其反欺诈能力。

One more thing right here, Rajat, is that not only we're working on one side to building or expanding the coverage of our platform today and adding more countries, which we do every month, but also we're looking at ways in which we can bring more functionalities to the platform so that it will reinforce its capacity to reducing fraud over time.

谢谢Alain。跳转到一个有趣的问题：作为曾经的‘围墙另一边’观察者，你认为企业在评估类似你们这样的服务提供商时，应重点考虑哪些关键标准或功能？你的经验是什么？

Thanks, Alain. Jumping to a very interesting question, because you've been on the other side of the fence now. So when you see businesses coming to evaluate you, what are the key criteria or features that business should consider when they're evaluating solutions at service providers such as yours? What's been your experience?

或许我可以先回答，Aland请随时补充。在跨境账户验证场景下，关键因素之一是解决方案的覆盖范围——这直接决定其可用性。当然，若抛开覆盖率、服务质量、定价或已提及的安全性，客户还应考虑以下几点：首先是简洁性与便利性，即解决方案的实施难度——我们通过单一API实现多市场验证，并投入大量时间标准化各司法管辖区的响应格式。

Perhaps I can go first and Aland, feel free to also add in. But I think that one of the key factor when it comes to account validations and in the cross border context is the reach or the coverage in order for you to actually utilize and make use of the solution. But of course, if we put aside the coverage and the quality of the service or pricing or security we've already mentioned, then I think there are several key factors that customers should really be considering. The first one is really about simplicity and convenience. So how easy it is to actually implement the solutions and making it very simple for the customer to implement all of the validation across different markets is exposed through a single API and put a lot of work and time also into standardizing all of the responses from different jurisdictions.

正如前述，不同市场运作方式迥异。第二项标准是解决方案的可扩展性与稳健性——服务商能否快速扩大覆盖范围并提供更有价值的方案。第三点如Alan所言，要提升数据质量——不仅验证姓名，还需基于多因素提供风险评分。最后是共同创造与定制化能力。

As I mentioned before, different markets will really work differently. The second criteria is also the scalability and resiliency of that solutions. It's not going to be just one or two markets, or we cannot start out with all of the markets in the world, but perhaps how quickly it is for a certain provider to actually expand their coverage and provide a more meaningful solutions. And also in terms of, as Alan to Alan point before, enriching the data quality, not only just name validation, but also providing a risk scoring based on several different factors. And I think the last one is ability to co create and to customize.

这正是我们讨论的多元应用场景。例如，若客户需要验证账户币种，我们可核查是否为本地货币。这些附加功能与定制服务是我们能提供的，也是客户需要关注的。

And this is where I think we are talking about many different use cases here. If we apply to one use case versus another use case, if a customer wants to have additional use case, for instance, they want to validate the currency of the account, that's where we can also come in to play a part. We can actually check whether the currency of the account is a local currency, for instance. So those are some of the additional feature or the co creation or customizations that we are able to offer. But also I think it's important for customers to look for.

阿兰，我不知道你对此是否还有进一步的看法。

I don't know Alain if you have any further thoughts on this.

或许有一点需要重申的是，尽管我们是金融科技公司，身处支付行业，但我们并非支付平台。我们保持中立立场。我们带来的关键价值之一在于，我们实际处于支付发起的前端环节。我们的服务与全球任何支付通道兼容。无论支付是通过银行SWIFT系统，还是流向Wise、Revolut等其他类型平台，对我们而言都是独立无关的。

Just perhaps one thing is that I think it's important to reiterate that although we are fintech, although we're sitting in the payments industry, actually we're not the payments platform. We are agnostic. One of the key value bringing as well is that we're sitting literally at the pre payments initiation level. What we do is compatible with any payment rails you can have in the world. Whether the payments will follow the rails of course with banking with SWIFT or whether it will go to other types of platforms like Wise, Revolut, and so on and so forth, is actually independent for us.

我们正重新聚焦于确保最终能将款项支付给正确的个人或企业这一核心体验。任何客户理论上都可以像我们这样连接所有交易对手方来实现相同功能，但我们通过单一API整合了跨境支付验证的全球窗口，这种集成价值至关重要。

We are refocusing on to making this experience of ultimately being sure you're paying the right person to the right company. We're refocusing on that. And you could also argue that what we're doing eventually, any of our clients could also be doing by connecting to all these different counterparties as we do. But we bring them this sort of the value that through a single API you can consolidate this sort of single window to the world of crossword payments validation. And that's really essential.

我们正围绕奎恩提到的三个使命方向推进：减少支付拒付、优化客户体验、防范欺诈风险，这些都是我们工作的核心。我们专注于此，并希望成为该领域的权威专家。

We're focusing on that with your mission along the three points that Quinn mentioned, reductions of payment rejects, customers experience, fraud mitigation, all that as very key to what we do. We strive to do that and nothing else. We want to be seen as the expert into the domain.

总结得非常到位，阿兰。最初交流时最打动我的是你们始终以客户为中心的理念。太多人过度关注技术和产品，却忘了最终受益者应该是能切实感受到服务价值的终端用户。再次感谢您抽出时间为我们观众进行科普，虽然还有很多内容值得探讨，但这次对话已成功激发了大家对你们杰出工作的兴趣。

Very well captured Alan. And what really caught my attention when we first started speaking was the reality of your keeping the client at the center of it all. Very often, a lot of people focus so much on the technology and product, they forget that the ultimate beneficiary should be the end user, the client who sees the benefit and the beauty of what you've done. Again, a big thanks for taking this time and educating our audience. There's so much more to cover, but I think this is a great way to at least start getting the excitement generated for this fantastic work that you're doing.

我深信这项事业未来几年必将蓬勃发展。非常感谢，阿兰·奎恩。

And I'm pretty sure that this is something that is just going to go deep and abounds over the next few years. So big thanks, Alan Quinn.

谢谢。

Thank you.

同时也衷心感谢支付咨询网络促成此次会谈。谢谢。

And a big thanks to Payments Consulting Network also to arrange this. Thank you.

感谢邀请，非常感谢。

Thanks for having us. Thank you. Thank you very much.

谢谢，非常感谢。

Thank you. Thank you very much.

感谢您收听《支付脉搏》。紧跟最新行业动态，敬请期待我们的下一期节目，我们将解锁更多全球视角与专家分析。别错过这节奏。

Thank you for tuning in to Payments Beats. Stay ahead of the latest industry updates and be sure to catch our next episode where we'll unlock even more global perspectives and expert analysis. Don't miss out on the beat.