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Joey's Morning Digest Mostly about financial service in the dynamic real word.
圍繞金融,在真實動態世界裡的?

【小字典】Microtransaction微交易【1】支付成本很低的交易,目前常見於in-app purchase【2】仍可現金交易,但其交易成本可能低於最小貨幣計價單位(如低於一分)。對賣方而言,該成本實際上不存在。"Microtrans...
13/08/2022

【小字典】Microtransaction微交易
【1】支付成本很低的交易,目前常見於in-app purchase
【2】仍可現金交易,但其交易成本可能低於最小貨幣計價單位(如低於一分)。對賣方而言,該成本實際上不存在。


"Microtransaction" refers to buying and selling items at a low cost. The definition of "low" depends on the payment medium; some payments have transaction fees that make different minimum values inefficient.

For example, you can still buy items with cash that cost fractions of a dollar or fractions of a pound. That's because the cost of cash transactions is virtually non-existent for the seller. As a result, what is considered a "microtransaction" for cash might be fractions of a penny.

If you've ever been frustrated by minimum credit card spends, there's a reason these exist.

II. POWER TO THE PEOPLE權利回歸人們【趨勢】掌握金融的權利逐步向個人及自建組織移動,包含財富建立、市場移轉、讓進出金融體系更為自由。【機會】傳統金融迎接新世代消費者的關鍵,包含與Defi合作、投資新經濟體等。IV. D...
03/08/2022

II. POWER TO THE PEOPLE權利回歸人們
【趨勢】掌握金融的權利逐步向個人及自建組織移動,包含財富建立、市場移轉、讓進出金融體系更為自由。
【機會】傳統金融迎接新世代消費者的關鍵,包含與Defi合作、投資新經濟體等。

IV. DIGITAL ECONOMIES數位經濟體擴大及變形
【趨勢】每個人在虛擬世界逐步擴大的生活涉入,帶動電商發展到元宇宙經濟,進而形成新市場,顛覆原本財富與價值所有權的概念,使追蹤跟衡量消費者購買及資產更為困難。
【機會】前述新經濟體的成熟,利害關係人的需求在開始策略指引及規模化支持,當中機會在發掘碎片化所有權(fractional ownership)跟所有權移轉模式,協助擴大虛擬幣及Defi生態,在元宇宙經濟中提供金融服務,數位資產及管理的賦能等。

V. DECENTRALIZED INSTITUTIONS分散式機構們
【趨勢】遠端辦公、大辭職潮(Great Resignation)及區塊鏈DAO的出現,持續引發傳統機構之於未來企業、學校甚至城市的樣貌。
【機會】各種新型態正在早期發展階段,持續關注在hybrid的世界中,如何管理實體資產及建設等,遠端/混合式辦公下,未來如何管理全球人才庫並維持文化及連結。

Published on February 17, 2022The opinions expressed in this blog are solely the author's and do not reflect the views of Citi.

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