????但你認(rèn)為有些努力已經(jīng)奏效了,？

????我們?cè)?009年金融危機(jī)高峰期收購(gòu)了一個(gè)叫做Revolution Money的平臺(tái)。這是一個(gè)非常靈活,、有多樣化選擇的支付平臺(tái),。我們說(shuō)，還有許多人沒(méi)有享受到我們的服務(wù)——這個(gè)國(guó)家有7,000萬(wàn)人口還沒(méi)有存款戶頭,，或者不認(rèn)為他們得到了很好的金融服務(wù),。金融網(wǎng)站NerdWallet表示，使用借記卡就等于你每年要花300美元來(lái)用你自己的錢,。如果人們存款賬戶中的錢沒(méi)有達(dá)到最低存款額度,，每年就要支付幾百美元。所以我們研發(fā)了一個(gè)線下線上都能使用的在線支付平臺(tái),。2014年初，這個(gè)平臺(tái)開(kāi)始平穩(wěn)運(yùn)營(yíng),，隨即就擁有了240萬(wàn)用戶,。僅僅4月一個(gè)月，用戶數(shù)量就增加了100萬(wàn),。他們?cè)谖覀兊钠脚_(tái)上進(jìn)行交易,。如果數(shù)碼錢包供應(yīng)商能夠做出正確的決策，那么錢包就還是可行的,。移動(dòng)應(yīng)用在它們發(fā)展的過(guò)程中會(huì)起到很重要的作用,。

????我們進(jìn)一步改進(jìn)了平臺(tái)的功能，這樣大家就可以做自己想做的任何事了——支付賬單,、完成點(diǎn)對(duì)點(diǎn)付款,、開(kāi)支票。在公司中,，我們總結(jié)出了一條規(guī)律：當(dāng)窮人的代價(jià)是很大的,。但是我們可以開(kāi)發(fā)一個(gè)模式來(lái)吸引資金，于是大家就不必每個(gè)月為預(yù)付卡花上14.95美元了,。你可以與我們合作,，每個(gè)月只付1美元,，就能享受好得多的服務(wù)。

????點(diǎn)對(duì)點(diǎn)支付：這項(xiàng)功能有多重要,？

????它很重要,，不過(guò)關(guān)鍵在于你需要將點(diǎn)對(duì)點(diǎn)支付與滿足各種需求的多項(xiàng)服務(wù)關(guān)聯(lián)起來(lái)。作為單一的服務(wù)項(xiàng)目,，它很難為你帶來(lái)可觀的利潤(rùn),。不過(guò)它有著很大的需求。我們了解了一下消費(fèi)者把錢都花在哪里了,。在信用卡和簽帳卡之外,，還有25萬(wàn)億美元的市場(chǎng)。這是一個(gè)巨大的機(jī)遇,。

????你在運(yùn)通的忠誠(chéng)度項(xiàng)目上有許多創(chuàng)新點(diǎn),，比如最近人們可以在紐約用積分搭計(jì)程車。人們真的在用這個(gè)服務(wù)嗎,？

????對(duì),！這項(xiàng)服務(wù)用起來(lái)很方便，人們一旦用過(guò)一次,，80%都會(huì)再次使用,。

????（一位聽(tīng)眾表示：“我很害怕這項(xiàng)交易不合算，或許積分可以被用到更好的地方呢,?！保?/p>

????那你就想錯(cuò)了。你只想把那些積分用來(lái)坐飛機(jī)嗎,？人們說(shuō)：“我想要很多選擇,，還想要省心?！比绻阒皇钦f(shuō),，每一美元的消費(fèi)會(huì)帶來(lái)一點(diǎn)積分，那么人們會(huì)想要多種多樣的選擇,。(財(cái)富中文網(wǎng))

????譯者：嚴(yán)匡正

????But you think some efforts have worked?

????We acquired a platform called Revolution Money in 2009 at the height of the financial crisis. It is a very flexible alternative payments platform. We said, There's a large population of folks not being served -- there are 70 million people in this country who don't have a checking account or don't believe they're being served well. NerdWallet has said with prepaid cards, you're paying $300 a year to use your own money. With checking accounts, people are paying several hundred dollars a year if they don't have a minimum balance. So we came out with an online payment platform that works offline and online. In early 2014, once we got the platform stabilized, we brought on 2.4 million customers. In the month of April alone, we brought on 1 million customers. They're transacting volumes on our platform. Wallets, if they are done right, can work. Mobile apps will play an important role going forward.

????We made further changes to the functionality of the platform so you can do anything you want -- pay bills, do peer-to-peer-payments, write checks. The term we coined in our company is that it is expensive to be poor. But we can develop a model where we have attractive economics, so instead of paying $14.95 a month for a prepaid card, you pay $1 a month with us for a far better service.

????Peer-to-peer payments: How important is the capability?

????It's very important, but what's critical is that you have got to connect peer-to-peer payments with a range of services that meet a variety of needs. As a standalone, it's difficult to generate the economics you need. But there's a very high demand. We looked at where spending takes place. Outside of credit cards and charge cards, there's $25 trillion out there. That's a tremendous opportunity.

????You've done creative things with the AmEx loyalty program like recently making it possible for people to pay for a New York City cab ride with points. Are people actually using this service?

????Yes! It is frictionless, and once people use it, 80% of the them return.

????(Audience member: "I'm worried it's a bad deal, that the points can be used better elsewhere.")

????Here's what you're missing. Do you want to only use those points for airlines? People have said, "I want choice and convenience." If you just say for every dollar there's one point, people want a wide variety of choices.