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您所在的位置: 南京文都考研 > 考研专业知识 > 考研英语 > 2023考研英语同源外刊1月文章:移动支付公司在非洲疯狂抢地盘

2023考研英语同源外刊1月文章:移动支付公司在非洲疯狂抢地盘

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2023考研英语同源外刊1月文章:移动支付公司在非洲疯狂抢地盘

考研英语阅读文章的发展,离不了每日依照自身的時间,去看看一定量的英文报纸和杂志期刊。可是,有一些考生很有可能不清楚怎样找这种报刊和杂志期刊的內容。下边,我为2023研究生考试者们,梳理出——2023考研英语同源外刊1月文章内容:移动支付企业在非州玩命抢地盘,供考生参照。

2023考研英语同源外刊1月文章内容:移动支付企业在非州玩命抢地盘

The payments frenzy is going global, and Africa is catching the bug.So far this year four of the continent’s financial-technology firms have reached or exceeded billion-dollar valuations, more than doubling Africa’s population of “unicorns”.OPay, a mobile-payments company, acquired its horn in August, after raising funding from investors including SoftBank, a Japanese firm.Other recent unicorns include Wave, a Senegal-based startup that runs a mobile-money network; Chipper Cash, which offers peer-to-peer payments; and Flutterwave, which simplifies payments for businesses.As foreign investment pours in, Africa’s fintech firms are expanding both across the continent and into new services.Africa is an obvious choice for fintech investors.They are betting that young African talent can innovate its way out of the region’s most pressing financial problems faster than legacy firms can.

付款风潮已经全世界范畴内扩散,非州也追上了。2021年到现在为止,北美洲的四家金融科技公司的估价早已做到乃至超出了10亿美金,是非州“付款独角兽高达”二倍多。Opay是一家移动支付企业,在从日本软银投资企业等投资人那边筹资后,于8月份获得了它的“角”。独角兽高达组织的别的企业有:经营挪动贷币互联网的塞内加尔新成立公司Wave;给予P2P付款的Chipper Cash;及其简单化企业支付的Flutterwave。伴随着外资注册的涌进,非州的金融科技公司已经全部北美洲扩大,并扩展到新的业务行业。针对互联网金融投资人而言,非州显而易见是一个很好的挑选。她们坚信,非州的年青人才可以比传统式企业迅速地自主创新,解决该地域较紧急的金融业问题。

By 2025 the continent will be home to 1.5bn people, most of whom will have grown up in the era of the internet.Nigeria, which has received almost two-thirds of Africa’s fintech investments this year, has a young and entrepreneurial population.But more than half of Nigerians do not have a bank account.Across the continent, digitally literate unbanked (and underbanked) people, who have long been largely ignored by conventional lenders, are instead turning to the upstarts.In Ivory Coast, for example, 94% of pupils’ school fees were being paid using mobile money by 2014.This makes it fertile territory for companies like Wave, which moved into the country in April.One reason for firms to expand geographically stems from the African Continental Free Trade Area, a deal that was first agreed on in 2018 and which has now been ratified by 38 countries.The Pan-African Payment and Settlement System was launched in September as part of the deal, in order to make the region’s many systems work better together.

到2025年北美洲将有着15亿人口数量,在其中大部分人将发展于网络时代。尼日利亚2021年得到了近三分之二的非州互联网金融项目投资,有着一批年青的创业者。但超出一半的尼日利亚人沒有银行帐户。在全部非州,一直以来被传统式金融机构忽略的沒有银行帐户(或银行信贷不够)的人,如今正转为新兴经济体。例如到2014年,科特迪瓦94%的同学培训费是应用移动支付递交的。科特迪瓦针对Wave那样的移动支付企业而言便是一块热土,Wave于4月份进到科特迪瓦。公司扩张区域范畴的因素之一是2018年签署的北美洲自贸区协议书,现阶段该协议书已获得38个我国的准许。协议书中的泛非付款和清算系统软件于9月份运行,目地是让该地域的很多系统软件能够更好地协调工作。因而,投资人们已经适用这些开疆辟土向国外扩大的企业。

Flutterwave had reached more than 33 African countries by the time of its latest funding round this year; those taking part included Tiger Global, an investment firm based in New York.For the biggest African fintechs, simple payments are only an entry point.OPay was founded three years ago and was once a ride-hailing app.It now offers interest-free credit that is easier for workers in informal jobs to get than bank loans.The firm, now worth around $2bn, is about as valuable as Nigeria’s biggest bank.Chipper Cash, which is backed by Jeff Bezos, the founder of Amazon, is taking its vision beyond Africa.It lets Nigerians in Britain send money home instantly, and could revolutionise transfers in sub-Saharan Africa, which has some of the highest remittance costs in the world.Banks may not be the only incumbents feeling threatened by the newcomers.In some cases telecoms providers, which also provide mobile money, are drastically lowering their fees as competition in payments hots up.

截止到2021年较近一轮投资时,Flutterwave早已遮盖了33个非洲国家;参加股权融资的企业包含总公司坐落于纽约市的投资管理公司虎寰球(Tiger Global)。针对非州比较大的金融业技术性企业而言,简易付款仅仅一个突破口。Opay创立于三年前,曾是一款叫车软件。它如今为无宣布工作中的职工给予免息银行信贷,比去金融机构要非常容易得多。该企业现阶段使用价值约20亿美金,与尼日利亚较大的金融机构使用价值非常。由amazon创办人杰夫·拉里佩奇适用的Chipper Cash正将眼光看向非州之外地域。它可以让在外国的尼日利亚人马上汇钱回家了,并很有可能改变刚果盆地南面非洲的汇款方式,该地域的汇钱成本费是全世界较高的。金融机构很有可能并不是仅有的一个感受到新起企业危害的组织。在某种情形下,伴随着付款行业的市场竞争加重,给予移动支付服务项目的电信网服务提供商已经大幅度减少花费。

The battle leaves regulators struggling to control an industry that is rapidly evolving.Wave is moving through the continent at pace, and is now available in four countries.Despite a bumper year, Africa’s biggest startups are still relatively young compared with those in the rest of the emerging world.Getting payments right in such a large market could unlock a wealth of opportunity.Iyin Aboyeji, a co-founder of Flutterwave and an investor, says international venture capitalists are realising that Africa “looks a little bit like China in the 1970s.Folks are hoping to get in early and do some good deals.”The emergence of rigorous cross-continental competition this year shows that African fintech is nonetheless maturing, and that the world is at last beginning to pay attention.

这一场决斗让监管部门无法操纵这一迅速进步的领域。Wave在非洲内地迅速发展趋势,现阶段已在四个我国发布。虽然今年是大丰收的一年,但与别的新兴经济体对比,非洲比较大的初创公司依然相对性年青。在那样一个极大的市面上开展付款营销推广可以创建很多的机遇。伊茵·阿博耶吉是Flutterwave的创始人和投资者,他说道,国际性风险性资投资者已经意识到非洲“看上去有些像20时代70年代的我国。资本家们都期待尽早进驻,做些好交易。”2021年发生的猛烈的跨洲市场竞争表明非洲的互联网金融已经趋向完善化,全球总算逐渐关心了。

综上所述是得出的-2023考研英语同源外刊1月文章:手机支付企业在非洲玩命抢地,期待对2023研究生考试者们,在英语学科的复习上边有一定的协助!恭祝2023研究生考试成功!

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