沃爾瑪在中國(guó)西部棄用支付寶轉(zhuǎn)用微信支付

Walmart, the US retailer, has ditched Alipay in favour of Tencent’s mobile payments app in western China, dealing a fresh blow to Alibaba in the battle between the country’s biggest tech groups to dominate the $15.5tn payments market.

美國(guó)零售商沃爾瑪(Walmart)已在中國(guó)西部棄用支付寶(Alipay)，轉(zhuǎn)而支持騰訊(Tencent)的移動(dòng)支付應(yīng)用程序，這使阿里巴巴(Alibaba)在中國(guó)大型科技集團(tuán)主宰15.5萬(wàn)億美元支付市場(chǎng)的角力中遭到新的打擊。

Payments have become a key battleground for the Chinese groups — both of which rank in the world’s 10 most valuable companies — as they compete in markets spanning retail, entertainment and logistics.

隨著這兩家中國(guó)企業(yè)在零售、娛樂(lè)和物流等領(lǐng)域展開(kāi)角逐，支付已成為它們之間的一個(gè)關(guān)鍵戰(zhàn)場(chǎng)。如今阿里巴巴和騰訊都在全球市值最高的10家企業(yè)之列。

Walmart, which along with Carrefour is among the biggest foreign retailers in China, has been accepting Alipay in its 400-plus stores in the country. However, this month it said it had entered into partnership with WeChat Pay in the western region.

沃爾瑪和家樂(lè)福(Carrefour)都是中國(guó)市場(chǎng)上的大型外國(guó)零售商。此前沃爾瑪在中國(guó)的400多家門店一直接受支付寶。不過(guò)，沃爾瑪本月表示，它已與微信支付(WeChat Pay)在中國(guó)西部地區(qū)達(dá)成了合作關(guān)系。

Payments yield only wafer-thin profits but have enabled the tech companies to expand their financial services arms to include more profitable areas spanning loans, insurance and asset management. Yu’e Bao, the money market fund of Ant Financial, the payments affiliate of Alibaba, for example, is the world’s largest with about Rmb1.5tn under management.

支付只產(chǎn)生微薄的利潤(rùn)，但它讓科技公司旗下金融服務(wù)部門得以擴(kuò)展業(yè)務(wù)，進(jìn)入貸款、保險(xiǎn)和資產(chǎn)管理等利潤(rùn)更高的領(lǐng)域。例如，阿里巴巴的支付關(guān)聯(lián)企業(yè)螞蟻金服(Ant Financial)的余額寶(Yu 'e Bao)已成為全球最大的貨幣市場(chǎng)基金，旗下管理著約1.5萬(wàn)億元人民幣資產(chǎn)。

Part of the market’s growth is due to China’s poor system of legacy banking — the country has mostly leapfrogged credit cards, for example — but has also been fuelled by innovations such as moving hongbao, the red packets of money given at lunar new year, online.

移動(dòng)支付市場(chǎng)增長(zhǎng)的部分原因在于中國(guó)的傳統(tǒng)銀行體系較為落后——例如，中國(guó)基本上跳過(guò)了信用卡階段——但也受到了各種創(chuàng)新的推動(dòng)，比如把春節(jié)紅包搬到網(wǎng)上。

Shops, taxis and hospitals across China accept both the payment methods of Tencent and Alibaba, with some shops and services refusing to accept cash.

中國(guó)各地的商店、出租車和醫(yī)院同時(shí)接受騰訊和阿里巴巴的支付方式，一些商店和服務(wù)甚至已拒絕接受現(xiàn)金。

Alibaba remains the industry leader but Tencent has made huge inroads. Tencent, for example, scored an early win with Starbucks’ coffee shops across China but late last year the chain said it would accept Alipay too.

目前，阿里巴巴仍是行業(yè)領(lǐng)頭羊，但騰訊取得了巨大進(jìn)展。例如，騰訊很早就在中國(guó)各地的星巴克(Starbucks)咖啡店取得了一場(chǎng)勝利，但去年末，這家連鎖店表示也將接受支付寶。

Walmart declined to explain why the company was ditching Alipay, saying: “This business decision is intended to help us offer the best all-round shopping experience for our customers. WeChat Pay is widely accepted and trusted in China.”

沃爾瑪拒絕解釋該公司為何棄用支付寶，只是說(shuō)：“這項(xiàng)商業(yè)決定旨在幫助我們?yōu)榭蛻籼峁┳罴训娜轿毁?gòu)物體驗(yàn)。在中國(guó)，微信支付得到了廣泛的接受和信任。”