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巴西央行暂停WhatsApp付款处理,其在印度也受到限制

2020-6-28 13:48

 

巴西中央银行(Banco Central do Brasil)指示Visa和万事达(Mastercard)不要开始处理WhatsApp应用程序的支付,如果已经开始处理,则应停止处理。WhatsApp Pay本月在巴西推出。


世界银行给出的动机是“保持适当的竞争环境,以确保一个可互操作、快速、安全、透明、开放和廉价的支付系统的运行。”


巴西央行对此事对巴西支付系统在竞争、效率和数据隐私方面的影响表示担忧。该公司表示,它需要评估风险以及是否符合当地法律。


Facebook发布天秤座数字货币和支付区块链引发了全球监管机构的各种担忧。其目标之一是将这种数字货币与facebook旗下的WhatsApp整合在一起。监管机构最关心的问题是合规问题,隐私也是一个问题。竞争可以说是最大的担忧,央行担心Facebook的天秤座货币可能挑战货币主权。


与此同时,巴西央行将于11月推出24/7即时支付系统PIX。其目标是提高巴西零售支付市场的效率和竞争力。因此,本月推出WhatsApp Pay的时间可能是个问题。


WhatsApp Pay计划在其他地区推出,包括WhatsApp最大的市场印度,该公司在印度拥有4亿用户。两个月前,Facebook向印度移动电信运营商Reliance Jio投资了57亿美元。


在印度,WhatsApp Pay使用UPI银行间即时支付系统。直到最近,印度国家支付公司(NPCI)还阻止了这项计划的推出。但在今年2月,它被允许逐步推出多达1000万用户的服务。考虑到它的用户基础,这只不过是一次测试。


一些人猜测,对Reliance Jio的投资可能会成为鼓励监管机构提高上限的一个优势。该投资旨在提振电子商务。

 

Banco Central do Brasil instructed Visa and Mastercard not to start processing payments for the WhatsApp application and to cease if they have begun. WhatsApp Pay launched in Brazil this month.

The motivation given by the Bank was to “preserve an adequate competitive environment, which ensures the functioning of an interoperable, fast, secure, transparent, open and inexpensive payment system.”

The central bank raised concerns about the impact on the Brazilian Payment System concerning competition, efficiency and data privacy. It says it needs to assess the risks and compliance with local laws.

Facebook’s unveiling of the Libra digital currency and payments blockchain has triggered a variety of concerns with regulators around the world. One of the aims is to integrate the digital currency with Facebook-owned WhatsApp. Top of the list of regulator concerns is compliance, with privacy also raised as an issue. Arguably competition is the biggest concern of all, with central banks worried that Facebook’s Libra currency could challenge currency sovereignty.

Meanwhile, in Brazil the central bank is launching a 24/7 instant payment system PIX in November. The objective is to improve the efficiency and competitiveness of the retail payment market in Brazil. Hence, the timing of the launch of WhatsApp Pay this month may be an issue.

WhatsApp Pay is planning to launch in other jurisdictions, including WhatsApp’s largest market, India, where it has 400 million users. Two months ago, Facebook invested $5.7 billion in Indian mobile telecoms operator Reliance Jio

In India, WhatsApp Pay uses the UPI bank-to-bank instant payment system. Until recently, the launch was blocked by the National Payments Corporation of India (NPCI). But in February, it was given the go ahead for a phased rollout of up to ten million users. Given its user base, that is little more than a test.

Some speculated the Reliance Jio investment, which aims to boost ecommerce, could be an advantage in encouraging regulators to raise the limit.

 

来自: Ledger Insights