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decoding=\"async\" class=\"syl-page-img\" src=\"https:\/\/p3-sign.toutiaoimg.com\/tos-cn-i-6w9my0ksvp\/acbbdfa19e7b49a887e1c01f0eedea62~tplv-tt-shrink:640:0.image?lk3s=06827d14&amp;traceid=202501021341262AB20DD6B6E9FD86A1AB&amp;x-expires=2147483647&amp;x-signature=aKVVAj6seeS1KR%2B2nLWpIW5bpYA%3D\" 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src=\"https:\/\/p3-sign.toutiaoimg.com\/tos-cn-i-6w9my0ksvp\/01f9e95e407e43949948affb0f57aaed~tplv-tt-shrink:640:0.image?lk3s=06827d14&amp;traceid=202501021341262AB20DD6B6E9FD86A1AB&amp;x-expires=2147483647&amp;x-signature=k4rkHaNVjfLbghM1imGZFZH1jhk%3D\" \/><\/p>\n<p>\u58a8\u897f\u54e5\u6392\u540d\u524d\u4e5d\u7684\u521b\u4e1a\u72ec\u89d2\u517d\u4e2d\uff0c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5360\u636e\u516d\u5e2d<\/p>\n<p><img decoding=\"async\" class=\"syl-page-img\" src=\"https:\/\/p3-sign.toutiaoimg.com\/tos-cn-i-6w9my0ksvp\/249517672516428e8cb3822fb54f647b~tplv-tt-shrink:640:0.image?lk3s=06827d14&amp;traceid=202501021341262AB20DD6B6E9FD86A1AB&amp;x-expires=2147483647&amp;x-signature=vKFSXmHx4dkFu0QysEoGWz39Olk%3D\" \/><\/p>\n<p><strong>\u8d75\u9e4f\u5c9a<\/strong>\uff1a\u6211\u4eec\u8ba4\u4e3aGlobal 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Card\uff0c\u5373\u5e73\u53f0\u6839\u636e\u4e1a\u4e3b\u623f\u4ea7\u589e\u503c\u7684\u989d\u5ea6\u53d1\u51fa\u4e00\u5f20\u4fe1\u7528\u5361\uff0c\u4e1a\u4e3b\u76f8\u5f53\u4e8e\u4eab\u53d7\u4e86\u8fdb\u4e00\u6b65\u7684\u4fe1\u7528\u670d\u52a1\uff0cFintech\u7684\u5927\u6570\u636e\u52a8\u6001\u5b9a\u4ef7\u5219\u53ef\u5e2e\u52a9\u5e73\u53f0\u7075\u6d3b\u8c03\u8282\u4fe1\u7528\u5361\u989d\u5ea6\u4ece\u800c\u63a7\u5236\u98ce\u9669\uff0c\u8fd9\u4e5f\u662f\u91d1\u878d\u666e\u60e0\u7ee7\u7eed\u6e17\u900f\u7684\u6848\u4f8b\uff0c\u5149\u505a\u8fd9\u4e00\u4e2a\u4ea7\u54c1\uff0c\u7f8e\u56fd\u5df2\u7ecf\u6709\u4e24\u5bb6\u72ec\u89d2\u517d\u516c\u53f8\u3002<\/p>\n<p>\u4ece\u5168\u7403\u65b0\u589e\u94f6\u884c\u7528\u6237\u7684\u7ef4\u5ea6\u6765\u770b\uff0c\u6570\u5b57\u94f6\u884c\u7684\u5e02\u573a\u4efd\u989d\u5df2\u7ecf\u8d85\u8fc7\u4e86\u4f20\u7edf\u94f6\u884c\uff0c\u800c\u8fd9\u4e9b\u6570\u5b57\u94f6\u884c\u76ee\u524d\u4ec5\u4ec5\u6e17\u900f\u7684\u662f\u96f6\u552e\u94f6\u884c\u4e1a\u52a1\uff0c\u672a\u6765\u4e00\u5b9a\u8fd8\u4f1a\u5bf9\u4f20\u7edf\u94f6\u884c\u7684\u5bf9\u516c\u4e1a\u52a1\u548c\u8d22\u5bcc\u7ba1\u7406\u4e1a\u52a1\u5f62\u6210\u6311\u6218\u3002\u6211\u4eec\u7684\u5224\u65ad\u662f\u672a\u6765\u4f1a\u67095-10\u5bb6\u5343\u4ebf\u7f8e\u91d1\u7684\u6570\u5b57\u94f6\u884c\u3002\u6211\u4eec\u8ba4\u4e3a\u76ee\u524d\u6570\u5b57\u94f6\u884c\u7684\u9886\u5934\u7f8aNubank\u548cRevolut\u5728\u672a\u67653\u5e74\u5185\u5e02\u503c\u5c31\u5c06\u8d85\u8fc7\u5343\u4ebf\u7f8e\u91d1\u3002<\/p>\n<p><strong>\u7b2c\u4e8c\u4e2a\u8d8b\u52bf\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u666e\u53ca<\/strong>\u3002\u4ec0\u4e48\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\uff1f\u5d4c\u5165\u5f0f\u91d1\u878d\uff08Embedded Finance\uff09\u662f\u6307\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5d4c\u5165\u5230\u975e\u91d1\u878d\u516c\u53f8\u7684\u4ea7\u54c1\u6216\u670d\u52a1\u4e2d\uff0c\u7528\u6237\u65e0\u9700\u901a\u8fc7\u4f20\u7edf\u91d1\u878d\u673a\u6784\u5373\u53ef\u83b7\u53d6\u652f\u4ed8\u3001\u4fe1\u8d37\u3001\u4fdd\u9669\u7b49\u670d\u52a1\u3002\u7528\u5927\u767d\u8bdd\u8bf4\u5c31\u662f\u628a\u91d1\u878d\u5f53\u4f5c\u4efb\u4f55\u573a\u666f\u7684\u53d8\u73b0\u65b9\u5f0f\uff0c\u4f60\u4f1a\u53d1\u73b0\u8fd9\u662f\u4e00\u79cd\u6700\u9ad8\u6548\u7684\u53d8\u73b0\u65b9\u5f0f\u3002<\/p>\n<p>\u5927\u5bb6\u719f\u77e5\u662f\u50cfKlarna\uff0cAffirm\u8fd9\u6837\u7684\u201c\u5148\u4e70\u540e\u4ed8\u201d\u5d4c\u5165\u7535\u5546\u7684\u573a\u666f\u3002\u4f46\u662f\u8fdc\u4e0d\u6b62\u4e8e\u6b64\uff0c\u6211\u4eec\u53d1\u73b0\u8d8a\u6765\u8d8a\u591a\u7684\u516c\u53f8\u5728\u901a\u8fc7\u91d1\u878d\u670d\u52a1\u4f5c\u4e3a\u6700\u91cd\u8981\u7684\u53d8\u73b0\u624b\u6bb5\u3002\u6bd4\u5982Shopify\uff0c\u4f60\u8bf4\u5b83\u662f\u4e00\u5bb6\u7535\u5546\u516c\u53f8\uff0c\u8fd8\u662fSaaS\u516c\u53f8\uff0c\u5b83\u8d85\u8fc760%\u7684\u6536\u5165\u662f\u9760\u652f\u4ed8\u548c\u91d1\u878d\u3002\u518d\u6bd4\u5982\u505a\u5168\u7403\u7528\u5de5\u548cEOR\u7684Deel\uff0c\u5f88\u957f\u4e00\u6bb5\u65f6\u95f4\u5a92\u4f53\u628a\u5b83\u6807\u699c\u4e3a\u4e16\u754c\u4e0a\u6700\u5feb\u5230\u8fbe1\u4ebf\u7f8e\u91d1\u5e74\u5316\u6536\u5165\u7684SaaS\u516c\u53f8\uff0c\u8fd9\u662f\u4e2a\u8bef\u89e3\uff0cDeel\u771f\u6b63\u7684\u5feb\u901f\u53d8\u73b0\u9760\u7684\u662fglobal payroll\uff08\u5168\u7403\u53d1\u85aa\uff09\u548ccash in advance\uff08\u9884\u652f\u5de5\u8d44\uff09\u8fd9\u4e24\u4e2a\u91d1\u878d\u4e1a\u52a1\u3002\u8fd9\u5c31\u662f\u6211\u8bf4\u7684\u5f53\u5728\u573a\u666f\u7aef\u505a\u5d4c\u5165\u5f0f\u91d1\u878d\u53d8\u73b0\u65f6\u6240\u5c55\u73b0\u51fa\u7684\u9ad8\u6548\u3002<\/p>\n<p>\u6211\u4eec\u9884\u8ba1\u52302030\u5e74\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u5e02\u573a\u7684\u6536\u5165\u5c06\u8fbe\u52303200\u4ebf\u7f8e\u5143\uff0c\u5176\u4e2dTo B\u9886\u57df\u53602000\u4ebf\u7f8e\u5143\uff0cTo C\u9886\u57df\u53601200\u4ebf\u7f8e\u5143\u3002<\/p>\n<p><strong>\u7b2c\u4e09\u4e2a\u8d8b\u52bf\u662f\u53bb\u4e2d\u5fc3\u5316\u91d1\u878d\u670d\u52a1\u7684\u7206\u53d1<\/strong>\u3002\u8fd9\u662f\u73b0\u5728\u65e5\u8d8b\u663e\u8457\u7684\u4e00\u4e2a\u98a0\u8986\u6027\u673a\u4f1a\uff0c\u5c31\u662f\u5229\u7528\u533a\u5757\u94fe\u6280\u672f\u7684\u5b9e\u65f6\u6e05\u7ed3\u7b97\u80fd\u529b\uff0c\u5229\u7528\u7a33\u5b9a\u5e01\u4f5c\u4e3a\u65b0\u7684\u6570\u5b57\u5916\u6c47\u4ee5\u53ca\u5176\u5168\u7403\u6d41\u901a\u80fd\u529b\uff0c\u5728\u8de8\u5883\u8f6c\u8d26\u548c\u652f\u4ed8\u4e2d\u53d6\u4ee3SWIFT\u3002\u5927\u5bb6\u80af\u5b9a\u90fd\u7528\u8fc7SWIFT\uff0c\u5b83\u662f\u5168\u7403\u91d1\u878d\u4f53\u7cfb\u6700\u91cd\u8981\u7684\u57fa\u7840\u8bbe\u65bd\uff0c\u5168\u7403\u6700\u5927\u7684\u8de8\u5883\u652f\u4ed8\u6e05\u7b97\u901a\u8baf\u7cfb\u7edf\uff0c\u5df2\u7ecf\u63a5\u8fd160\u5e74\u5386\u53f2\u4e86\u3002<strong>\u5f62\u8c61\u5730\u8bf4\uff0c\u539f\u6765SWIFT\u662f\u201cMove money at Bank speed\u201d\uff0c\u73b0\u5728\u5728\u533a\u5757\u94fe\u548c\u7a33\u5b9a\u5e01\u7684\u52a0\u6301\u4e0b\uff0c\u53ef\u4ee5\u505a\u5230\u201cMove money at Internet speed\u201d<\/strong>\u3002\u539f\u6765\u4e00\u7b14\u8f6c\u8d26\u9700\u8981\u6570\u4e2a\u5de5\u4f5c\u65e5\uff0c\u73b0\u5728\u53ea\u9700\u8981\u51e0\u79d2\u949f\uff0c\u6210\u672c\u4e5f\u5927\u5e45\u4e0b\u964d\u3002\u8fd9\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u7a7a\u95f4\uff0c\u5728SWIFT\u4e0a\u9762\u4e00\u5e74\u8981\u8dd12000\u4e07\u4ebf\u7f8e\u91d1\u7684\u4ea4\u6613\u989d\uff0c1%\u7684\u6e17\u900f\u7387\u5c31\u662f\u4e00\u4e2a20\u4e07\u4ebf\u7f8e\u91d1\u7684\u673a\u4f1a\uff0c\u4f46\u6211\u4eec\u5224\u65ad\u6e17\u900f\u7387\u8fdc\u4e0d\u6b621%\u3002<\/p>\n<p>\u8fd9\u4e00\u53d8\u9769\u8d8b\u52bf\u4e0d\u4ec5\u6709\u52a9\u4e8e\u8d44\u91d1\u6d41\u8f6c\uff0c\u4e5f\u6709\u5f88\u5927\u7684\u73b0\u5b9e\u610f\u4e49\u3002\u4e9a\u975e\u62c9\u7b49\u65b0\u5174\u5e02\u573a\u5f88\u591a\u56fd\u5bb6\u7684\u6c47\u7387\u6781\u4e0d\u7a33\u5b9a\uff0c\u4e14\u6c47\u7387\u5151\u6362\u6d41\u52a8\u6027\u5dee\u3002\u7528\u7a33\u5b9a\u5e01\u4f5c\u4e3a\u94f6\u884c\u8f6c\u8d26\u7684\u8865\u5145\uff0c\u5bf9\u5f88\u591a\u8de8\u5883\u8d38\u6613\u4f01\u4e1a\u6765\u8bf4\uff0c\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u53ef\u4ee5\u514d\u4e8e\u6c47\u7387\u6ce2\u52a8\u98ce\u9669\uff0c\u5927\u5e45\u63d0\u9ad8\u4fbf\u6377\u6027\u3002\u4e3a\u4ec0\u4e48\u534e\u4e3a\u662f\u963f\u6839\u5ef7\u6700\u5927\u7684\u725b\u8089\u8d38\u6613\u5546\uff1f\u56e0\u4e3a\u534e\u4e3a\u5728\u963f\u6839\u5ef7\u4ea7\u751f\u4e86\u672c\u5e01\u6536\u5165\uff0c\u5f88\u96be\u7528\u963f\u6839\u5ef7\u8d27\u5e01\u5151\u6362\u51fa\u6765\uff0c\u8981\u4e48\u662f\u6cd5\u5e01\u5151\u6362\u96be\u5ea6\u5927\uff0c\u8981\u4e48\u662f\u9762\u4e34\u672c\u56fd\u8d27\u5e01\u5feb\u901f\u8d2c\u503c\u7684\u98ce\u9669\uff1b\u56e0\u6b64\u4ed6\u4eec\u4f1a\u7528\u963f\u6839\u5ef7\u7684\u8d27\u5e01\u4e70\u6210\u725b\u8089\uff0c\u963f\u6839\u5ef7\u725b\u8089\u53d7\u6b22\u8fce\uff0c\u518d\u5356\u51fa\u725b\u8089\uff0c\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u725b\u8089\u672c\u8d28\u4e0a\u5c31\u662f\u7a33\u5b9a\u5e01\uff0c\u800c\u533a\u5757\u94fe\u6280\u672f\u63d0\u4f9b\u4e86\u4e00\u4e2a\u7cfb\u7edf\u6027\u7684\u89e3\u51b3\u65b9\u6848\u3002\u6240\u4ee5\u8fd9\u4ef6\u4e8b\u60c5\u6211\u89c9\u5f97\u5f71\u54cd\u4f1a\u975e\u5e38\u6df1\u8fdc\uff0c\u5b83\u4f1a\u8ba9\u5f88\u591a\u7684\u8d38\u6613\u548c\u8d44\u91d1\u5f80\u6765\uff0c\u4ece\u539f\u6765\u7684\u5fc5\u987b\u53bb\u8d70Swift\uff0c\u4ed8\u9ad8\u989d\u7684\u94f6\u884c\u8d39\u7528\uff0c\u82b1\u8d39\u5f88\u957f\u7684\u65f6\u95f4\uff0c\u8f6c\u53d8\u4e3a\u8fdb\u5165\u5230\u65b0\u7684\u4ea4\u6613\u5a92\u4ecb\u4e4b\u4e2d\uff0c\u65b0\u7684\u4ea4\u6613\u5a92\u4ecb\u53c8\u4f1a\u884d\u751f\u51fa\u5f88\u591a\u65b0\u7684\u5e94\u7528\u3002<\/p>\n<p>\u8fd9\u4ef6\u4e8b\u60c5\u6211\u4eec\u4ece2020\u5e74\u770b\u5230\u5951\u673a\uff0c\u63d0\u524d\u5e03\u5c40\uff0c\u5230\u73b0\u5728\u8fd9\u4e24\u5e74\u671f\u95f4\uff0c\u6211\u4eec\u5df2\u7ecf\u6295\u8d44\u4e86\u4e24\u5bb6\u5408\u89c4\u7684\u6301\u724c\u516c\u53f8\uff0c\u90fd\u6210\u957f\u4e3a\u884c\u4e1a\u91cc\u9762\u7684\u9f99\u5934\u3002\u4e00\u4e2a\u662fTrubit\uff0c\u5b83\u662f\u62c9\u7f8e\u5730\u533a\u6700\u5927\u7684\uff0c\u5df2\u7ecf\u5168\u65b9\u4f4d\u63a5\u5165\u4e86Stripe\u4f53\u7cfb\uff1b\u8fd8\u6709\u4e00\u5bb6\u662f\u4f4d\u4e8e\u4e9a\u6d32\u7684Reap\uff0c\u5168\u74033%\u7684\u7a33\u5b9a\u5e01\u4ea4\u6613\u91cf\u8dd1\u5728\u5b83\u7684\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u4e0a\u9762\uff0c\u4e5f\u5373\u5c06\u6210\u957f\u4e3a\u4e00\u5bb6\u65b0\u7684\u72ec\u89d2\u517d\u4f01\u4e1a\u3002<\/p>\n<p><img decoding=\"async\" class=\"syl-page-img\" src=\"https:\/\/p3-sign.toutiaoimg.com\/tos-cn-i-6w9my0ksvp\/76b2e6bc615b49a1878c5db4251936bf~tplv-tt-shrink:640:0.image?lk3s=06827d14&amp;traceid=202501021341262AB20DD6B6E9FD86A1AB&amp;x-expires=2147483647&amp;x-signature=XlFjx0wa2kNpY4pfdlnmMpdgcsI%3D\" 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money\u201d\u7684\u6982\u5ff5\u662f\u80fd\u591f\u5b9e\u73b0\u7684\u3002\u201ccontextual money\u201d\u5373\u5e26\u7740\u4e0a\u4e0b\u6587\u7684\uff0c\u61c2\u4f60\u7684\u91d1\u878d\u670d\u52a1\uff0c\u6bd4\u5982\u5728\u652f\u4ed8\u573a\u666f\u4e2d\uff0cAI\u80fd\u591f\u6839\u636e\u7528\u6237\u7684\u4f4d\u7f6e\u3001\u8d2d\u4e70\u5386\u53f2\u3001\u65f6\u95f4\u7b49\u60c5\u5883\u56e0\u7d20\u6765\u63a8\u8350\u5408\u9002\u7684\u652f\u4ed8\u65b9\u5f0f\u3002\u6bd4\u5982\uff0c\u5f53\u7528\u6237\u5728\u5e38\u53bb\u7684\u5546\u5e97\u8d2d\u7269\u65f6\uff0cAI\u53ef\u4ee5\u81ea\u52a8\u63a8\u8350\u4f7f\u7528\u5546\u5e97\u79ef\u5206\u548c\u4fe1\u7528\u5361\u7ec4\u5408\u652f\u4ed8\u4ee5\u83b7\u53d6\u6700\u5927\u4f18\u60e0\u3002\u5728\u7406\u8d22\u89c4\u5212\u65b9\u9762\uff0cAI\u4f1a\u5206\u6790\u7528\u6237\u6240\u5904\u7684\u4eba\u751f\u9636\u6bb5\uff08\u5982\u65b0\u5a5a\u3001\u80b2\u513f\u3001\u4e34\u8fd1\u9000\u4f11\u7b49\uff09\u3001\u7ecf\u6d4e\u73af\u5883\u7b49\u60c5\u5883\u56e0\u7d20\u3002\u4ee5\u65b0\u5a5a\u592b\u5987\u4e3a\u4f8b\uff0cAI\u53ef\u4ee5\u7ed3\u5408\u4ed6\u4eec\u7684\u6536\u5165\u3001\u652f\u51fa\u6a21\u5f0f\u3001\u672a\u6765\u89c4\u5212\uff08\u5982\u8d2d\u623f\u3001\u751f\u5b50\u8ba1\u5212\uff09\uff0c\u4e3a\u4ed6\u4eec\u91cf\u8eab\u5b9a\u5236\u5408\u7406\u7684\u50a8\u84c4\u548c\u6295\u8d44\u7b56\u7565\uff0c\u52a8\u6001\u8c03\u6574\u8d44\u4ea7\u914d\u7f6e\uff0c\u66f4\u597d\u5730\u5b9e\u73b0\u7406\u8d22\u76ee\u6807\u3002\u5728\u4fe1\u8d37\u670d\u52a1\u91cc\uff0cAI\u8003\u8651\u501f\u6b3e\u8005\u6240\u5904\u7684\u884c\u4e1a\u53d1\u5c55\u8d8b\u52bf\u3001\u5c31\u4e1a\u5e02\u573a\u60c5\u51b5\u7b49\u60c5\u5883\u6765\u51b3\u5b9a\u4fe1\u8d37\u989d\u5ea6\u548c\u5229\u7387\u3002\u5bf9\u4e8e\u5904\u5728\u65b0\u5174\u7684\u3001\u6709\u6f5c\u529b\u884c\u4e1a\u7684\u501f\u6b3e\u8005\uff0c\u5e76\u4e14\u7ed3\u5408\u5176\u6240\u5728\u4f01\u4e1a\u7684\u7a33\u5b9a\u7ecf\u8425\u72b6\u51b5\u7b49\u56e0\u7d20\uff0cAI\u53ef\u80fd\u4f1a\u7ed9\u4e88\u66f4\u4f18\u60e0\u7684\u4fe1\u8d37\u6761\u4ef6\u3002<\/p>\n<p><strong>\u8d75\u9e4f\u5c9a\uff1a<\/strong>\u4ece\u6d77\u5916\u5e02\u573a\u6765\u770b\uff0c\u6211\u4eec\u53d1\u73b0\u53cc\u65b9<strong>\u662f\u8d8a\u6765\u8d8a\u878d\u5408\u7684\u3002<\/strong><\/p>\n<p>\u4e00\u65b9\u9762\uff0c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u5728\u7533\u8bf7\u724c\u7167\uff0c\u88ab\u7eb3\u5165\u76d1\u7ba1\uff1b\u53e6\u4e00\u65b9\u9762\uff0c\u94f6\u884c\u7b49\u4f20\u7edf\u91d1\u878d\u673a\u6784\u4e5f\u5728\u62e5\u62b1\u91d1\u878d\u79d1\u6280\uff0c\u63a8\u51fa\u5f00\u653e\u94f6\u884c\u7b56\u7565\uff08open 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