从人工智能到稳定币——Visa与戈弗雷·沙利文共话未来愿景

我们在产品发布中推出的是Visa智能商业，旨在让这些AI代理能够执行这些交易，但更重要的是以极其顺畅的方式完成支付环节，因为没有支付环节的商业就不是真正的商业。

What we launched in our product drop was Visa Intelligent Commerce, which is to enable these AI agents to perform these transactions, but most importantly, complete the payment component of that in a really frictionless manner because commerce without the payment component is not commerce.

大家好，欢迎收听Visa焦点播客。

Hello everyone and welcome to the Visa Spotlights Podcast.

我是您的主持人丹·巴克斯特。

I'm your host Dan Baxter.

今天我们将探讨Visa于4月30日在旧金山举行的全球产品发布活动中最新发布的几项创新。

Today we're going to be exploring some of the innovations that were recently announced at Visa's global product drop on April 30 in San Francisco.

这一里程碑式的活动推出了多项新技术、产品和解决方案，将进一步重塑和推动支付领域的发展。

This landmark event introduced a number of new technologies, products, and solutions that are set to further reshape and advance the world of payments.

本次活动的一个关键主题是AI驱动的商业日益增长的影响。

A key theme emerging from the event was the growing influence of AI energetic commerce.

这项技术将彻底改变人们与商业互动的方式，而Visa的安全网络正处在这一变革的核心位置。

This technology is set to revolutionize the way in which people interact with commerce, and Visa's secure network is positioned to be at the heart of this evolution.

今天与我一同出席的是戈德弗雷·沙利文，他负责Visa在中欧、东欧、中东和非洲地区的业务与解决方案，我们将更深入地探讨这些主题。

Joining me today is Godfrey Sullivan, who leads products and solutions for Visa across Central And Eastern Europe, Middle East and Africa, and we'll explore these themes in more detail.

那么我们直接进入正题。

So let's dive straight in.

在过去十二到十八个月里，关于人工智能的作用及其对众多行业的影响，已经讨论了很多。

There's obviously been a lot that's been discussed over the last twelve to eighteen months on the role and impacts of AI and how it's transforming many, many different industries out there.

就我们地区而言，您认为人工智能在支付和商业领域能发挥哪些具体作用？

What are some of your thoughts in terms of the role that AI can specifically play when it comes to payments and commerce across our region?

人工智能正从潜在的颠覆者转变为对本地区企业运营产生切实而具体影响的力量。

So AI is evolving from a potential disruptor to business into having a very real tangible impact on how businesses across the region are functioning.

支付领域当然也未能幸免于这种变化。

And the world of payments is by no means immune from this.

我认为我们正看到人工智能在支付领域影响的三大方面。

And I think we're seeing three big areas of AI impacting in the payment space.

其中之一是人工智能在支付相关的风险和欺诈解决方案中的应用。

The first of these is around, the use of AI in risk and fraud solutions related to payments.

多年来，Visa一直利用人工智能优化我们的风险和欺诈系统，以确保支付的安全与可靠。

So Visa has been using AI for more than thirty years to optimize our risk and fraud systems to ensure that payments are safe and and secure.

我们在这方面的功能正在迅速提升。

And we're seeing our capabilities really ramping up in that domain.

在过去十年中，我们在AI相关基础设施和能力上投入了超过30亿美元，专门针对这一领域。

Over the last ten years, we've invested more than $3,000,000,000 in AI related infrastructure and capabilities, specifically in that area.

我认为第二个领域是AI在分析和洞察方面的应用，以真正实现商业体验的个性化。

I think the second area that we're seeing is a lot around, the use of AI in terms of analytics and insights to really personalize the commerce experience.

我们看到银行。

We're seeing banks.

我们看到商家正在采用AI能力，更好地了解客户，并根据不同的客户群体的独特需求定制产品和方案。

We're seeing merchants take on the capabilities of AI to get a better understanding of their customers and tailor propositions and products to the unique needs of of different customer segments.

我们现在刚开始看到，正如几周前在旧金山发布的产品中所展示的，AI正在应用于商业的实际流程——购物体验，而此前这一过程很大程度上是一种‘搜索和点击’的体验，用户需要浏览网站。

And what we're just beginning to see now and what was highlighted in the product drop, over in San Francisco a couple of weeks ago is the application of AI into the actual process of commerce, the shopping experience, which hitherto has been very much a kind of hunt and peck experience where you go through and you scroll through a website.

现在，我们看到AI代理正在主导大量的购物、浏览、搜索和购买行为，而不是由我们消费者亲自完成，从而使购物体验变得更加无缝流畅。

Now we're seeing, AI agents enabling so much of that shopping, browsing, and searching, and purchasing being completed by the AI agent themselves as opposed to us, the consumers, and making the shopping experience even more frictionless.

如果你看一下高德纳报告，其中指出，到2028年，高达15%的电子商务交易可能由这些AI代理完成。

If you look at the Gartner report, they express that by 2028, up to 15% of e commerce transactions could be conducted by these AI agents.

因此，这是我们非常激动的一个领域。

So that's a super exciting area for us.

最近，在全球产品发布活动中，我们推出了Visa智能商务，这是迈向AI驱动支付未来的重要一步。

So recently at the global product drop, we announced Visa Intelligent Commerce, which is a bold step into the future of AI powered payments.

您能否介绍一下Visa智能商务，以及它将如何影响本地区的商户和消费者？

Could you introduce a bit on Visa Intelligent Commerce and what impact that'll have on merchants, consumers, across the region?

当然可以。

Absolutely.

这是一次非常令人兴奋的产品发布。

So this was a super exciting product drop.

正如我提到的，我们正站在AI代理成为商业体验中重要参与者的门槛上。

And we, as I mentioned, we're at the cusp of AI agents becoming a meaningful player in the in the commerce experience.

因此，我们在思考如何将我们数十年来确保支付安全、可靠、获得消费者、银行和商户信任的经验，应用到将购物体验的部分环节交由AI代理处理的环境中。

So we were thinking about how we can take all the decades of experience that we have in making sure payments are safe and secure and trusted by our consumers, by our banks, and our merchants, and how can we apply this into an environment where you're handing over parts of the shopping experience to an AI agent.

我们认为，在涉及多个步骤的交易中，潜力巨大。

And we think there's tremendous potential in those transactions which involve multiple steps.

例如，如果你要预订一个周末的旅行，需要预订航班、酒店以及周末的一些活动。

For example, if you're booking a weekend of travel away and you need to perhaps book a flight and book a hotel and book some activities on the, on the weekends.

作为个人消费者，这会非常耗时：你得访问一个网站，评估最佳航班选项，再访问不同的酒店网站进行选择。

This can be very time consuming as an individual consumer, going to one website, evaluating what's the best options for flights, going to different hotel websites and selecting that.

这个过程累积起来会很繁琐。

It can be cumulatively.

你可能会花上好几个小时来做这些事。

You're gonna spend a couple of hours doing this.

AI商业能够实现的是，让AI代理为你完成所有这些操作。

What AI commerce can enable is for an AI agent to conduct all of that exercise for for you.

因此，我们在产品发布中推出了Visa智能商业，旨在让这些AI代理能够执行这些交易，但更重要的是，以极其顺畅的方式完成支付环节，因为没有支付环节的商业就不是真正的商业。

And so what we launched in our product drop was Visa Intelligent Commerce, which is to enable these AI agents to perform these transactions, but most importantly, complete the payment component of that in a really frictionless manner because commerce without the payment component is not commerce.

而迄今为止，AI代理所缺乏的，正是使用你的卡片来验证你确实是消费者本人，授权卡片与AI代理进行交易，设置你愿意进行的交易类型，并监控这些交易，向Visa网络发送正确的信号，以确保不会发生欺诈。

And what the AI agent hitherto lacked, was that ability for you to use your card to verify that it is actually you, the consumer, who is who is authorizing the card to transact with an, an AI agent, to set controls for the types of transactions that you're willing to conduct, and also for those transactions to be monitored and have the right signal sent back to the Visa network to ensure that no fraud is, is taking place.

这就是Visa智能商业的核心所在。

So that has been the essence of Visa Intelligent Commerce.

具体来说，它包含三个组成部分。

Specifically, there's three components to it.

首先是确保每张用于AI代理的Visa卡都具备AI兼容性。

One is making sure that every Visa card that is used with an AI agent is AI ready.

这意味着它需要整合我们最新的令牌化和身份验证技术。

So this means it needs to incorporate our latest technology from a, tokenization and authentication, perspective.

第二部分是我们正在做的事情，我认为这非常独特，即将个性化融入AI体验中。

The second component is that what we're doing, and I think this is super unique, is incorporating personalization into the AI experience.

当你向你的AI代理咨询周末旅行目的地时，我们会根据你以往的交易记录识别不同的客户画像，并在获得你明确授权的前提下，将这些信息反馈给AI代理，从而为你提供更个性化的体验，并实现更快的结账流程。

So as you go to your AI agent and you're perhaps selecting where you want to go for a weekend away, we will identify different profiles of customers based on your previous transactions and only with your customer consent, incorporate that in the feedback to the AI agent to make a more tailored set of experiences come, come to you and then a faster checkout experience overall.

第三部分是关于设置交易控制机制以及向Visa网络发送信号，确保你对AI代理的交易行为拥有完全掌控权。

And then the third component is around incorporating the transaction controls and the signals that we send back to the Visa network to make sure that you're fully in control of your AI agent as they're conducting the transactions with you.

你可以设置具体的消费限额。

So you can set specific spend limits.

你可以指定AI代理可以执行哪些类型的交易。

You can say what type of transactions you want your AI agent to conduct.

所以我们已经整合出了一套非常棒的方案。

So that's a really great package, that we have put together.

我们一直在与数十家人工智能公司讨论如何与我们合作，获取我们设立的五个API的访问权限，以及访问我们的沙盒环境来测试这些API。

We have been in discussions with dozens of, AI companies around how they can partner with us, get access to the five APIs that we have set up, get access to the sandbox where they can test these APIs.

我们在产品发布时宣布了与OpenAI和Stripe的合作关系。

And we announced at the product drop a partnership with OpenAI, with Stripe.

我们还正在与Plexity、Mistral、IBM和微软等多家公司合作，这些公司主要集中在北美，而许多创新正是在这里发生。

We're also working with Plexity, with Mistral, with IBM, with Microsoft, an array of players, predominantly in North America where a lot of this innovation is taking place.

然而，我们也开放并鼓励北美以外的领先人工智能公司参与进来。

However, we are open and encouraging the involvement of many of the leading AI companies outside of North America.

特别是在CEMEA地区和海湾合作委员会国家，已经有不少这类公司。

And particularly in the CEMEA region, in the GCC, there's a number of these players.

我们已经进行了初步讨论，并诚挚鼓励它们与我们联系，探索如何将我们的AI、面向未来的支付能力融入其未来模型的设计中。

We've had preliminary discussions, and we certainly encourage them to reach out to us and to experiment about how they can incorporate our AI, future proof, payments capabilities into their design for for these models moving forward.

显然，人工智能与商业领域的步伐正在飞速前进。

So the world of AI and commerce is obviously moving incredibly fast.

有许多令人兴奋的新技术发布。

There's a number of new exciting technology announcements.

该地区的银行、商户和消费者现在可以做些什么来为这场下一代商业浪潮做准备？

What can banks and merchants and consumers across the region do now to prepare for this next wave of commerce?

是的。

Yeah.

你说得对。

So you're right.

这是一个非常令人兴奋的时刻。

It's a super exciting time.

我认为，对于维萨网络中的合作伙伴，特别是发卡行、银行和金融科技公司，首要任务是确保他们的卡凭证已启用令牌化。

I think the priority for our partners across the Visa network is particularly with the issuers, the banks, and the fintechs to ensure that their card credentials are token enabled.

这意味着实体卡片可以拥有一个令牌化的表示形式，而这些令牌化凭证正是我们为AI商业所做的准备。

What this means is the physical card is enabled to have a tokenized representation, and these tokenized credentials are what we're making ready for AI commerce.

所以，如果你与一家银行交谈，请确保该银行正在对其凭证进行令牌化，以便这些凭证能够在这些AI代理中使用，并设置你需要的所有控制措施来进行交易。

So if you have a bank, if you have a conversation with a bank, make sure the bank is tokenizing its credentials so that these can be used in these AI agents and you can set up all the controls that you need in order to, to transact.

因此，我们非常重视发卡合作伙伴。

So that's a real emphasis on our issuing partners.

关于 rollout，已经完成代币化凭证的银行可以将这些凭证接入 AI 代理以进行交易。

So in terms of the rollout, already banks who have tokenized credentials can enable these into AI agents to conduct, transactions.

在未来十二个月内，我们将看到 Visa 智能商业及其全套功能在本地区逐步推出，并被个人和商户越来越多地使用。

What we'll see over the next twelve months is Visa Intelligent Commerce and the full set of capabilities that we're offering, being rolled out and becoming increasingly used by individuals and merchants, across the region.

所以，未来充满了令人兴奋的时刻。

So, super exciting times ahead.

非常好。

Very good.

除了之前讨论的 AgenTik、AI 和商业相关内容外，我们还花了大量时间探讨稳定币，以及稳定币在帮助个人和企业跨区域转账方面所能发挥的作用。

So in addition to everything that was covered on AgenTik and AI and commerce, we also spent a lot of time discussing stablecoins and the role that stablecoins can play in helping people and businesses move money across the region.

您能否简要介绍一下稳定币，以及 Visa 对它们的看法？

Could you give a bit of an introduction to stablecoins and the way in which Visa sees them?

我认为，稳定币是金融服务领域另一个非常引人注目的创新领域。

So I think stablecoins is another really fascinating area of innovation in the financial services space.

稳定币本质上是一种代表法定货币的数字代币，无论是美元、迪拉姆还是其他形式的货币。

What a stablecoin is, is essentially a digital token that is a representation of a fiat currency, whether it's a dollar or a dirham or other forms of currency.

这之所以重要，是因为这种代币可以以极快的速度从一个个人或机构发送到另一个，减少对代理行网络的依赖，特别是在进行跨境交易时，同时降低机构间或点对点转账的成本。

And why that's important is that that token can be sent from one individual, one institution to another at incredibly fast speeds, removing some of the dependencies on the correspondent banking network, particularly when you're doing cross border transactions, and also reducing the costs of those cross border transactions when you're sending between institutions or on a peer to peer basis.

因此，这一领域出现了许多重要的发展。

And so there's a number of really important developments in that.

在产品发布时，我们强调了与Bridge公司的合作，该公司现已被Stripe收购，旨在为拉丁美洲的金融科技开发者发行由稳定币支持的卡片，随后也将扩展至CEMEA地区。

At the product drop, we highlighted our partnership with Bridge, which is a company which is now owned by Stripe, to enable stablecoin backed cards to be issued to fintech developers across, firstly, Latin America, but subsequently also the CEMEA region.

这意味着金融科技开发者可以开发不同的方案，为其客户发行由稳定币支持的卡片。

And so what this means is that fintech developers can, develop different propositions that, allow stablecoin backed cards to be issued to their customers.

那么，什么是稳定币支持的卡片？

So what is a stablecoin backed card?

这是一种与传统从银行账户扣款不同的卡片，它直接从稳定币钱包中扣款。

This is a card which, as opposed to drawing on the balances in a bank account, draws on the balances in a stablecoin wallet.

因此，如果你持有USDT（泰达币）这种稳定币，就可以在Visa覆盖的1.5亿商户网络中任何地方用于支付交易。

So if you hold USDT, Tether stablecoin, you can use that to pay for transactions anywhere across the 150,000,000 merchant wide network of of Visa.

因此，与Bridge的合作将使CEMEA地区的金融科技公司能够向其终端客户提供此类产品，我们认为这在稳定币采用率迅速增长的许多市场中至关重要。

So this partnership with Bridge is enabling fintechs soon across the CEMEA region to be able to offer those types of products to their end customers, which we see as really important across many markets where stablecoin adoption is is really taking hold.

我认为这是第一个领域。

So I think that's the first area.

第二个领域对我们的支付生态系统和使用Visa网络的14000家银行至关重要。

The second area is really important for our payments ecosystem and our 14,000 banks, which use the Visa network.

目前，在Visa网络上进行交易时，您所在银行与商户银行之间的结算需通过代理银行系统完成。

So across the Visa network at present, you conduct a transaction and the settlement that takes place between your bank and the merchant bank goes through the correspondent banking, system.

而代理银行系统速度较慢，因为银行在周末是关闭的。

Now the correspondent banking system is kind of slow because the banks are closed on the weekend.

因此，如果您在周五进行交易，而银行因周末或银行假日关闭，这笔交易要到下周晚些时候才能到达对方银行，从而导致系统响应缓慢。

So if you do a transaction on a Friday and the banks are closed for the weekend or maybe for a bank holiday, the transaction does not get to the other bank until later the next week, which causes, you know, slowness in the system.

这还会产生成本和费用。

There's cost and expense.

因此，我们正在考虑越来越多地使用稳定币来完成Visa交易的结算环节。

So what we're looking at doing is using stablecoins increasingly to conduct the settlement leg of a Visa transaction.

因此，从消费者银行到商户银行的结算，通过稳定币可以实现即时且成本极低的处理。

So from the consumer's bank to the merchant bank for that settlement to take place using stablecoins, which can be done instantly and at very low cost.

我们已经在Visa网络内完成了超过1.2亿美元的稳定币结算交易。

We've already done more than $120,000,000 of these stablecoin settlement transactions within the Visa network.

我们认为这是一个非常重要的领域，能够为所有使用Visa网络的金融机构和商户释放流动性。

We see that as a really important area so we can unlock liquidity for all of the financial institutions and the merchants that are using the Visa network.

这是我们正在参与的另一个令人兴奋的方面。

That's a really exciting second thing that we're engaged with.

因此，人工智能和稳定币显然是当前支付领域最令人兴奋的两个领域。

So AI and stablecoins are obviously two of the most exciting areas happening in the world of payments at the moment.

但你们在本地区还观察到哪些其他更广泛的趋势？

But what are some of the other broader trends which you're seeing across our region?

我认为其中一个最大的趋势，或许没有人工智能和稳定币那么炫目，就是我们正目睹的从现金向数字支付稳步而显著的转变。

I think one of the biggest ones, which is perhaps not as glamorous as AI and stablecoins, is just the steady, pronounced shift that we're seeing from cash to digital payments.

如果回溯到2019年，我们SEMEA地区65%的交易都是以现金完成的。

If you go back to 2019, 65% of transactions across our SEMEA region were conducted in cash.

现在，这些交易中现金占比已降至仅43%。

Now we're down to just 43% of those transactions.

尽管在非洲部分地区现金使用仍然很多，但向数字支付的转变趋势非常明显。

There's still a lot of cash being used across, you know, parts of, Africa particularly, but there's a very pronounced shift away from cash to digital payments.

这一转变得益于多种不同因素的推动。

And that's been enabled by a number of, of different factors.

其中第一个因素是数字身份。

So the first one of these is around digital identity.

我们正在越来越精准地识别数字交易中用户的身份，无论是在面对面环境中，还是尤其在电子商务中。

We just get even better at understanding who people are in these digital transactions, both in a face to face environment, but particularly in e commerce.

互联网最初并非为在线交易而设计，但我们现在看到各国政府正在大力投资这一领域。

The Internet was not designed to conduct transactions online, but we're seeing governments investing a lot in that.

金融科技公司在数字身份方面也取得了显著进步。

We're seeing fintechs get much better on digital identity.

在许多国家，我们看到政府正在建设实时支付平台，以提供低成本的账户对账户交易服务。

In many countries, we're seeing the development of real time payment platforms where governments are investing in order to provide societies with low cost forms of account to account based transactions.

这产生了非常积极的影响。

That's having a very positive effect.

但我们也看到了与之相关的大量欺诈行为。

But we're also seeing a lot of fraud associated with those.

因此，作为一家网络公司，我们不断面临欺诈交易的挑战，而我们在确保所有交易安全可靠方面投入了巨大资源。

So we, as a network, are continually challenged by fraudulent transactions in an area we invest hugely in to ensure that all our transactions are safe and secure.

随着这些新的账户对账户和实时支付平台的出现，它们也遇到了相同的问题。

As these new account to account and real time payment platforms emerge, they're encountering these same problems.

我们实际上正在与许多平台合作，共同应对我们所看到的风险和欺诈挑战。

And we're actually working with many of them on how to address the risk and fraud challenges that we see.

我们还看到了嵌入式金融的普及。

We're also seeing the adoption of embedded finance.

它以多种形式出现，但目的是让交易过程对客户（尤其是那些希望为交易融资的客户）变得更加简便。

It is coming in many forms, but it's to make the transaction process much simpler for customers and particularly those customers that want to finance the transactions.

因此，我们看到了‘先买后付’的显著增长，同时在将嵌入式金融融入电子商务体验方面也出现了大量创新。

So we're seeing tremendous growth in buy now, pay later, for example, and we're seeing lots of developments in terms of embedded finance being incorporated into the e commerce experiences.

因此，如果您作为消费者重视这一点，您可以通过融资方式进行支付。

So, you have the option to pay through financing if that's important for you as a consumer.

所以，这些是我们正在观察的一些主要趋势。

So those are some of the big trends that we're observing.

因此，我们地区的变化速度显然在持续加快。

So the pace of change obviously continues to accelerate across our region.

您能否谈谈Visa如何帮助银行、商家和持卡人跟上并领先于您刚才提到的这些趋势？

Could you talk about some of the ways in which Visa is helping banks and merchants and cardholders keep up and stay ahead of these trends that you just mentioned?

我们在整个地区正在开展一些非常有趣的工作。

We're doing some really interesting things across the region.

我想重点介绍的一个是Visa支付密钥。

One of them that I'd like to highlight is around, Visa payment pass keys.

这涉及到数字身份的挑战，即如何在数字交易中识别用户身份。

So this relates to the challenge of digital identity and how can you recognize someone from a digital transaction.

我们通过支付密钥将这一技术与另一种名为Visa一键支付的结账体验解决方案结合起来。

What we are doing with payments passkeys is combining this with another solution called Visa Click to Pay for the checkout experience.

在结账体验中，迄今为止，您通常需要输入您的PAN信息，即16位卡号，然后经常需要输入一次性密码来验证您正在发起交易。

So in the checkout experience, to date, you have typically been required to enter in your PAN details, your 16 digit card number, and then very often have a one time password to validate this is you conducting a transaction.

而这个一次性密码对整个行业来说是个巨大的麻烦。

Now, this one time password is such a headache for the industry.

它对发卡行来说成本极高。

It's really expensive for the issuers.

它也是欺诈交易和社交工程诈骗的源头。

It's a source of fraudulent transactions and social engineering scams.

因此，我们一直在思考如何解决这个问题？

So we've been thinking around how do we solve that problem?

我们如何让数字身份变得更加顺畅？

How do we make digital identity much more seamless?

Visa支付密钥与Click2Pay相结合，创造了一种购物体验：您只需在首次使用支持Click2Pay的网站时输入您的手机号码，系统便会调出您绑定到该手机号的所有卡片信息，并仅在此时要求您输入一次性密码。

And Visa payment pass keys together with Click2Pay brings a shopping experience where you only, for the very first time on a Click2Pay enabled website, enter in your mobile phone number, and then it will pull up all of the card credentials that you have linked to that mobile phone number and then ask you for a one time password for the very last time.

一旦系统确认该移动设备与该号码及卡片信息关联，便会通过一对公钥和私钥将其绑定。此后，无论您使用哪个Click to Pay网站，系统都会识别您为丹·巴克斯特，并使用您设备上的生物识别认证确认交易确实由您本人发起。

And once it has identified that mobile device as being linked to that number and that card credential, it is bound with a private key and a public key so that thereafter, whatever click to pay website you use, it will recognize you as being Dan Baxter with these, these credentials and use the biometric authentication on your device to confirm that it is indeed you who's conducting this transaction.

所以让这个电子商务结账体验变得极其简单。

So just making that ecommerce checkout experience really, really simple.

所以我认为，这正是我们在整个地区看到正在推广的功能。

So that's I think that's that's one which we've seen rolling out across the region.

我们对此非常热衷。

We're we're very enthusiastic about.

第二个是关于灵活凭证。

The second one is around the flex credential.

过去，你的钱包里可能有三到四张不同的卡，比如预付卡、借记卡或信用卡。

So previously, you would have maybe three or four different cards in your wallet, perhaps a prepaid card, perhaps a debit card, perhaps a credit card.

在数字世界中，尤其是对于数字原生代的Z世代来说，这种卡片类型的任意区分已经不再成立。

In the digital world and particularly for Gen Z, which are digitally native, this arbitrary distinction between types of cards doesn't really hold true.

因此，我们在数字体验中将多种卡片整合为所谓的灵活凭证，它同时具备借记卡和信用卡的功能。

And so we're replicating, in the digital experience, a combining of cards into what we call the the flex credential, which is both a debit card and a credit card.

它还可以支持‘先买后付’功能，允许分期付款。

It can be a card that enables, buy now, pay later functionality to pay in multiple installments.

并且用户可以根据所需的体验在不同类型的卡片之间切换。

And one toggles between, the different types of card according to the experience that you want to use.

例如，如果你正在购买昂贵假期的机票，并且更喜欢分四期付款，你就可以在数字体验中切换到这一功能。

So for example, if you're buying, flights for an expensive holiday and you prefer to pay in four installments, you would be able to toggle on your digital experience.

我希望这些类型的交易能使用‘先买后付’的分期付款功能。

I would like to do these types of transactions with a buy now, pay now, installment functionality.

这使终端消费者能够更灵活地使用他们的卡片和凭证。

And so that it gives end consumers the ability to be much more flexible in how they use their cards and their credentials.

所以这些可能是我们最感兴趣的两个功能。

So those are two, probably the two that we're most excited about.

很好。

Great.

因此，这些解决方案非常适合数字成熟市场，这些市场的数字采用率正在快速提升。

So there's a lot of solutions there that are very well suited to digital mature markets where a lot of digital adoption is fast underway.

我知道你们还在为CEMEA地区许多现金仍占主导的市场开发多种解决方案。

I know you're also working on a number of solutions for many of the markets across the CEMEA region where cash is still prevalent.

也许你可以谈谈其中的一个。

Perhaps you could talk about one of those.

没错。

Exactly.

我之前提到过一个挑战：尽管现金使用量在减少，但仍有43%的交易是通过现金进行的。

There is this challenge that I talked about before of although the usage of cash is decreasing, still 43% of transactions are conducted in cash.

那么，我们该如何实现数字化，特别是在需要同时构建生态系统两端的市场中？

And so how do we digitize that, particularly in markets where you need to build both sides of the ecosystem?

也就是让那些拥有数字支付方式的消费者，和能够接受数字支付的商家都参与进来。

So people who have ways to pay that are digital and merchants that can accept digital payments.

因此，我们正在借鉴全球其他数字支付形式的经验，构建一个双边网络。

And so what we're doing is learning from the lessons of other forms of digital payments around the world and building a two sided network.

一个很好的例子是在刚果民主共和国，我们正与银行合作伙伴共同推出一种名为Visa Pay的服务，它将实现新客户或现有银行客户的数字化注册。

And one very good example is in the Democratic Republic Of Congo, where we're launching something called Visa Pay together with our banking partners that will enable the digital onboarding of customers, new to bank customers or existing bank customers.

它将支持即时发放Visa凭证，该凭证不仅可用于全球1.5亿家接受Visa的商户，还可用于点对点支付，使您能够通过即时P2P支付向刚果民主共和国的亲友付款。

It will enable the instant digital issuance of a Visa credential and will enable that Visa credential not only to be used at the 150,000,000 merchants around the world that accept Visa, but also to be used as a p to p payment so that you can pay your friends or your family across the Democratic Republic Of Congo with instant P2P payments.

我们认为这对于推动和加速从现金向数字支付的转变至关重要，因为大量现金交易实际上发生在个人对个人的场景中。

And we see that as being really fundamental to the shift and accelerating the shift away from cash to digital payments because a lot of the cash is being used in these person to person transactions.

因此，我们构建了一个平台，使这些交易能够数字化完成。该平台有两种形式：一种是可集成到现有银行、金融科技或钱包应用中的SDK，另一种是可供客户从App Store下载的独立Visa应用，用户可通过该应用进行交易。

And so by building a platform that enables those transactions to be done digitally, and it's a platform that comes in two forms, both an SDK that can be integrated in existing bank or fintech or wallet applications, but also is available as a standalone Visa app where customers can download it from the App Store and conduct transactions through that.

我们认为，这将在许多新兴市场带来真正的变革。

We think that's going be a real game changer across many of these more emerging markets.

太棒了。

Fantastic.

显然，CEMEA地区正在发生令人惊叹的创新，你们团队在解决当今和未来的支付挑战方面做出了卓越的工作。

Well, there's amazing innovations obviously happening across the CEMEA region, and your team is doing stellar work in solving the payments challenges of today and also of tomorrow as well.

再次感谢你今天加入我们，戈德弗雷。

So thank you again for joining us today Godfrey.

谢谢你，多姆。

Thank you Dom.

也非常感谢你加入我们。

Thank you so much also for joining us.

希望你们喜欢这场讨论，如果想了解更多关于Visa智能商务或他们提到的其他产品，请点击下方链接。

Hope you've enjoyed the discussion and if you'd like to learn more on Visa Intelligent Commerce or any of the other products they mentioned then please just click on the link below.

谢谢。

Thank you.