{"id":16919,"date":"2026-08-01T03:08:11","date_gmt":"2026-07-31T19:08:11","guid":{"rendered":"https:\/\/gaoshaoxing.com\/?p=16919"},"modified":"2026-08-01T03:15:41","modified_gmt":"2026-07-31T19:15:41","slug":"%e5%88%9b%e6%a1%88%e4%be%8b052david-velez%ef%bc%9a%e7%bb%99%e8%a2%ab%e9%93%b6%e8%a1%8c%e5%ab%8c%e5%bc%83%e7%9a%84%e4%ba%ba%ef%bc%8c%e5%81%9a%e4%b8%80%e5%ae%b6%e9%93%b6%e8%a1%8c","status":"publish","type":"post","link":"https:\/\/gaoshaoxing.com\/?p=16919","title":{"rendered":"[\u521b\u6848\u4f8b052]David V\u00e9lez\uff1a\u7ed9\u88ab\u94f6\u884c\u5acc\u5f03\u7684\u4eba\uff0c\u505a\u4e00\u5bb6\u94f6\u884c"},"content":{"rendered":"\n

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\u4f20\u7edf\u94f6\u884c\u7684\u751f\u610f\u903b\u8f91\uff0c\u5f80\u5f80\u662f”\u5acc\u8d2b\u7231\u5bcc”\u7684\u2014\u2014\u5b83\u4eec\u6700\u60f3\u670d\u52a1\u7684\uff0c\u662f\u90a3\u4e9b\u6709\u94b1\u3001\u6709\u8d44\u4ea7\u3001\u80fd\u5e26\u6765\u9ad8\u989d\u5229\u6da6\u7684\u5bcc\u88d5\u5ba2\u6237\uff0c\u800c\u5bf9\u90a3\u4e9b\u6536\u5165\u4e0d\u9ad8\u3001\u6ca1\u4ec0\u4e48\u8d44\u4ea7\u7684\u666e\u901a\u4eba\uff0c\u5219\u5e38\u5e38\u6001\u5ea6\u51b7\u6de1\uff1a\u624b\u7eed\u7e41\u7410\u3001\u95e8\u69db\u9ad8\u3001\u6536\u8d39\u8fd8\u4e0d\u4f4e\uff0c\u751a\u81f3\u5e72\u8106\u628a\u5f88\u591a\u4eba\u6321\u5728\u95e8\u5916\uff0c\u8ba9\u4ed6\u4eec\u8fde\u4e00\u5f20\u4fe1\u7528\u5361\u3001\u4e00\u4e2a\u50cf\u6837\u7684\u8d26\u6237\u90fd\u96be\u4ee5\u62e5\u6709\u3002<\/p>\n\n\n\n

\u53ef David V\u00e9lez \u521b\u529e\u7684 Nubank\uff0c\u5374\u53cd\u5176\u9053\u800c\u884c\u2014\u2014\u5b83\u628a\u670d\u52a1\u7684\u5bf9\u8c61\uff0c\u7cbe\u51c6\u5730\u5bf9\u51c6\u4e86\u90a3\u4e2a\u5e9e\u5927\u7684\u3001\u88ab\u4f20\u7edf\u94f6\u884c\u957f\u671f\u5ffd\u89c6\u3001\u5acc\u5f03\u3001\u751a\u81f3\u76d8\u5265\u7684\u666e\u901a\u4eba\u7fa4\u4f53\u3002\u5b83\u7528\u4e00\u90e8\u624b\u673a\u3001\u4e00\u5f20\u6ca1\u6709\u5e74\u8d39\u7684\u5361\u3001\u4e00\u5957\u7b80\u5355\u53cb\u597d\u7684\u670d\u52a1\uff0c\u53bb\u62e5\u62b1\u90a3\u4e9b”\u88ab\u94f6\u884c\u5acc\u5f03\u7684\u4eba”\u3002\u5c31\u9760\u7740\u670d\u52a1\u8fd9\u7fa4\u88ab\u5de8\u5934\u770b\u4e0d\u4e0a\u7684\u4eba\uff0cNubank \u6210\u957f\u4e3a\u4e86\u4e16\u754c\u4e0a\u6700\u5927\u7684\u6570\u5b57\u94f6\u884c\u4e4b\u4e00\u3002\u8fd9\u4e2a\u6848\u4f8b\u771f\u6b63\u503c\u5f97\u62c6\u7684\uff0c\u4e0d\u662f”\u6570\u5b57\u94f6\u884c\u5f88\u65b9\u4fbf”\uff0c\u800c\u662f\uff1a\u5f53\u6240\u6709\u94f6\u884c\u90fd\u5728\u4e89\u62a2\u6709\u94b1\u7684\u5927\u5ba2\u6237\u65f6\uff0c\u4e3a\u4ec0\u4e48 V\u00e9lez \u4e13\u95e8\u53bb\u670d\u52a1\u90a3\u4e9b\u88ab\u5acc\u5f03\u7684\u4eba\uff0c\u53cd\u800c\u505a\u6210\u4e86\u4e00\u95e8\u5de8\u5927\u7684\u751f\u610f\u3002<\/p>\n\n\n\n

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\u6848\u4f8b\u4eba\u7269<\/h2>\n\n\n\n

David V\u00e9lez \u662f\u54e5\u4f26\u6bd4\u4e9a\u4eba\uff0c\u6210\u957f\u4e8e\u62c9\u4e01\u7f8e\u6d32\u3002\u5728\u521b\u529e Nubank \u4e4b\u524d\uff0c\u4ed6\u6709\u7740\u76f8\u5f53\u4eae\u773c\u7684\u5c65\u5386\u2014\u2014\u4ed6\u66fe\u662f\u4e00\u540d\u98ce\u9669\u6295\u8d44\u4eba\uff0c\u4e13\u95e8\u5728\u62c9\u7f8e\u5730\u533a\u5bfb\u627e\u548c\u6295\u8d44\u6709\u6f5c\u529b\u7684\u521b\u4e1a\u516c\u53f8\u3002\u8fd9\u4e2a\u8eab\u4efd\u5f88\u91cd\u8981\uff0c\u5b83\u8ba9\u4ed6\u65e2\u61c2\u5546\u4e1a\u3001\u61c2\u5e02\u573a\uff0c\u53c8\u6709\u7740\u654f\u9510\u5730\u53d1\u73b0\u5de8\u5927\u673a\u4f1a\u7684\u773c\u5149\u3002<\/p>\n\n\n\n

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\u7406\u89e3 V\u00e9lez \u7684\u5173\u952e\uff0c\u662f\u522b\u53ea\u628a\u4ed6\u5f53\u6210\u4e00\u4e2a\u6293\u4f4f\u91d1\u878d\u79d1\u6280\u98ce\u53e3\u7684\u521b\u4e1a\u8005\u3002\u4ed6\u521b\u4e1a\u7684\u8d77\u70b9\uff0c\u662f\u4e00\u4efd\u6e90\u81ea\u4eb2\u8eab\u7ecf\u5386\u7684\u3001\u5bf9\u4f20\u7edf\u94f6\u884c”\u5acc\u8d2b\u7231\u5bcc\u3001\u50b2\u6162\u4f4e\u6548”\u7684\u5f3a\u70c8\u4e0d\u6ee1\u548c\u540c\u7406\u5fc3\u3002\u4ed6\u771f\u6b63\u770b\u5230\u7684\uff0c\u662f\u4e00\u4e2a\u5de8\u5927\u7684\u3001\u88ab\u4e3b\u6d41\u91d1\u878d\u673a\u6784\u8f9c\u8d1f\u548c\u5ffd\u89c6\u7684\u666e\u901a\u4eba\u7fa4\u4f53\uff0c\u4ee5\u53ca\u670d\u52a1\u597d\u4ed6\u4eec\u6240\u8574\u85cf\u7684\u5de8\u5927\u673a\u4f1a\u3002<\/p>\n\n\n\n

\u7b2c\u4e00\u6876\u91d1<\/h2>\n\n\n\n

V\u00e9lez \u7684\u7b2c\u4e00\u6876\u91d1\uff0c\u4e0d\u662f Nubank \u540e\u6765\u7684\u89c4\u6a21\uff0c\u800c\u662f\u4ed6\u4ece\u81ea\u5df1\u7cdf\u7cd5\u7684\u94f6\u884c\u7ecf\u5386\u4e2d\uff0c\u770b\u5230\u7684\u90a3\u4e2a\u5de8\u5927\u673a\u4f1a\uff1a\u4e00\u4e2a\u5e9e\u5927\u7684\u3001\u88ab\u4f20\u7edf\u94f6\u884c\u5acc\u5f03\u548c\u5ffd\u89c6\u7684\u4eba\u7fa4\uff0c\u52a0\u4e0a\u667a\u80fd\u624b\u673a\u7684\u666e\u53ca\uff0c\u7b49\u4e8e\u4e00\u4e2a\u5de8\u5927\u7684\u3001\u4e9f\u5f85\u88ab\u6ee1\u8db3\u7684\u666e\u60e0\u91d1\u878d\u5e02\u573a\u3002<\/p>\n\n\n\n

\u4ed6\u505a\u7684\u5173\u952e\u5224\u65ad\u662f\uff1a\u5728\u5df4\u897f\u3001\u4e43\u81f3\u6574\u4e2a\u62c9\u7f8e\uff0c\u5b58\u5728\u7740\u6570\u91cf\u6781\u5176\u5e9e\u5927\u7684\u666e\u901a\u4eba\u2014\u2014\u4ed6\u4eec\u6536\u5165\u4e0d\u9ad8\u3001\u6ca1\u4ec0\u4e48\u8d44\u4ea7\uff0c\u56e0\u6b64\u88ab\u90a3\u4e9b”\u5acc\u8d2b\u7231\u5bcc”\u7684\u4f20\u7edf\u94f6\u884c\u6240\u8f7b\u89c6\u3001\u76d8\u5265\uff0c\u751a\u81f3\u5b8c\u5168\u6392\u65a5\u5728\u6b63\u89c4\u7684\u91d1\u878d\u670d\u52a1\u4e4b\u5916\u3002\u4ed6\u4eec\u4e2d\u7684\u5f88\u591a\u4eba\uff0c\u53ef\u80fd\u8fde\u4e00\u5f20\u4fe1\u7528\u5361\u3001\u4e00\u4e2a\u65b9\u4fbf\u7684\u94f6\u884c\u8d26\u6237\u90fd\u6ca1\u6709\u3002\u8fd9\u662f\u4e00\u4e2a\u88ab\u5de8\u5934\u4eec\u4e3b\u52a8\u653e\u5f03\u7684\u3001\u5374\u53c8\u6781\u5176\u5e9e\u5927\u548c\u771f\u5b9e\u7684\u9700\u6c42\u3002\u800c\u4e0e\u6b64\u540c\u65f6\uff0c\u667a\u80fd\u624b\u673a\u6b63\u5728\u8fd9\u4e9b\u5730\u533a\u5feb\u901f\u5730\u666e\u53ca\u2014\u2014\u8fd9\u610f\u5473\u7740\uff0c\u51e0\u4e4e\u4eba\u4eba\u7684\u624b\u91cc\uff0c\u90fd\u6709\u4e86\u4e00\u4e2a\u53ef\u4ee5\u7528\u6765\u63d0\u4f9b\u91d1\u878d\u670d\u52a1\u7684\u3001\u73b0\u6210\u7684\u5165\u53e3\u3002<\/p>\n\n\n\n

\u628a\u8fd9\u4e24\u70b9\u7ed3\u5408\u8d77\u6765\uff0c\u4ed6\u770b\u5230\u4e86\u90a3\u4e2a\u5de8\u5927\u7684\u673a\u4f1a\uff0c\u8fd9\u5c31\u662f\u4ed6\u771f\u6b63\u7684\u7b2c\u4e00\u6876\u91d1\u2014\u2014”\u7528\u4e00\u90e8\u624b\u673a\uff0c\u53bb\u670d\u52a1\u90a3\u4e2a\u88ab\u4f20\u7edf\u94f6\u884c\u5acc\u5f03\u3001\u5374\u53c8\u6781\u5176\u5e9e\u5927\u7684\u666e\u901a\u4eba\u7fa4\u4f53”\u8fd9\u4e2a\u6d1e\u5bdf\u3002\u57fa\u4e8e\u6b64\uff0c\u4ed6\u521b\u529e\u4e86 Nubank\uff0c\u4e00\u5bb6\u6ca1\u6709\u4efb\u4f55\u5b9e\u4f53\u7f51\u70b9\u3001\u5b8c\u5168\u901a\u8fc7\u624b\u673a App \u6765\u8fd0\u8425\u7684\u6570\u5b57\u94f6\u884c\u3002\u5b83\u7684\u7b2c\u4e00\u6b3e\u62f3\u5934\u4ea7\u54c1\uff0c\u662f\u4e00\u5f20\u6ca1\u6709\u5e74\u8d39\u7684\u3001\u7d2b\u8272\u7684\u4fe1\u7528\u5361\uff0c\u914d\u4e0a\u4e00\u4e2a\u7b80\u5355\u3001\u53cb\u597d\u3001\u900f\u660e\u7684\u624b\u673a App\uff0c\u8ba9\u90a3\u4e9b\u539f\u672c\u88ab\u94f6\u884c\u62d2\u4e4b\u95e8\u5916\u6216\u9ad8\u989d\u6536\u8d39\u7684\u4eba\uff0c\u80fd\u591f\u8f7b\u677e\u3001\u514d\u8d39\u3001\u6709\u5c0a\u4e25\u5730\uff0c\u62e5\u6709\u548c\u4f7f\u7528\u91d1\u878d\u670d\u52a1\u3002\u4e3a\u4ec0\u4e48\u662f\u4ed6\uff1f\u56e0\u4e3a\u89c9\u5f97\u4f20\u7edf\u94f6\u884c\u7cdf\u7cd5\u7684\u4eba\u65e0\u6570\uff0c\u4f46\u771f\u6b63\u628a\u8fd9\u4efd\u4e0d\u6ee1\uff0c\u8f6c\u5316\u6210”\u4e13\u95e8\u53bb\u670d\u52a1\u88ab\u5acc\u5f03\u8005”\u8fd9\u4e2a\u6e05\u6670\u7684\u5546\u4e1a\u673a\u4f1a\u3001\u5e76\u6709\u80fd\u529b\u628a\u5b83\u505a\u6210\u7684\uff0c\u662f\u4ed6\u3002<\/p>\n\n\n\n

\u6838\u5fc3\u6545\u4e8b<\/h2>\n\n\n\n

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\u628a\u4ed6\u7684\u6210\u529f\u5982\u5b9e\u62c6\u5f00\uff0c\u5b9e\u529b\u662f\u90a3\u4efd\u4ece\u4eb2\u8eab\u7ecf\u5386\u4e2d\uff0c\u770b\u5230\u5de8\u5927\u5e02\u573a\u673a\u4f1a\u7684\u6d1e\u5bdf\u529b\uff08\u6e90\u81ea\u98ce\u6295\u80cc\u666f\u548c\u5207\u8eab\u7684\u75db\u70b9\uff09\uff0c\u4ee5\u53ca\u628a”\u7eaf\u6570\u5b57\u5316\u3001\u4f4e\u6210\u672c\u3001\u53cb\u597d\u4f53\u9a8c”\u843d\u5730\u3001\u5e76\u5efa\u7acb\u8d77\u7528\u6237\u4fe1\u4efb\u7684\u8fd0\u8425\u80fd\u529b\u3002\u6d1e\u5bdf\u8ba9\u4ed6\u770b\u5230\u4e86\u90a3\u7247\u84dd\u6d77\uff0c\u8fd0\u8425\u8ba9\u4ed6\u5728\u90a3\u7247\u84dd\u6d77\u91cc\uff0c\u771f\u6b63\u5730\u624e\u4e0b\u4e86\u6839\u3001\u8d62\u5f97\u4e86\u4eba\u5fc3\u3002<\/p>\n\n\n\n

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\u6210\u529f\u5fc5\u8981\u5173\u952e\u8981\u7d20<\/h2>\n\n\n\n

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\u76f8\u4f3c\u6848\u4f8b<\/h2>\n\n\n\n

M-Pesa\uff08\u80af\u5c3c\u4e9a\u79fb\u52a8\u652f\u4ed8\uff09<\/strong>\u3002\u5728\u80af\u5c3c\u4e9a\u8fd9\u6837\u4e00\u4e2a\u5927\u91cf\u6c11\u4f17\u6ca1\u6709\u94f6\u884c\u8d26\u6237\u7684\u56fd\u5bb6\uff0cM-Pesa \u505a\u4e86\u4e00\u4ef6\u4e86\u4e0d\u8d77\u7684\u4e8b\u2014\u2014\u5b83\u8ba9\u4eba\u4eec\u53ef\u4ee5\u76f4\u63a5\u901a\u8fc7\u6700\u666e\u901a\u7684\u624b\u673a\uff08\u54ea\u6015\u4e0d\u662f\u667a\u80fd\u624b\u673a\uff09\uff0c\u6765\u5b58\u94b1\u3001\u8f6c\u8d26\u3001\u652f\u4ed8\u3002\u5b83\u7ed5\u8fc7\u4e86\u6602\u8d35\u3001\u7a00\u5c11\u7684\u4f20\u7edf\u94f6\u884c\u7f51\u70b9\uff0c\u7528\u624b\u673a\u8fd9\u4e2a\u4eba\u4eba\u90fd\u6709\u7684\u5165\u53e3\uff0c\u628a\u57fa\u672c\u7684\u91d1\u878d\u670d\u52a1\uff0c\u7b2c\u4e00\u6b21\u9001\u5230\u4e86\u5343\u767e\u4e07\u4ece\u672a\u88ab\u94f6\u884c\u670d\u52a1\u8fc7\u7684\u666e\u901a\u4eba\u624b\u91cc\u3002\u5b83\u548c Nubank \u5171\u4eab\u540c\u4e00\u4e2a\u4f7f\u547d\uff1a\u7528\u79d1\u6280\uff0c\u4e3a\u88ab\u4f20\u7edf\u91d1\u878d\u6392\u65a5\u5728\u5916\u7684\u5e9e\u5927\u4eba\u7fa4\uff0c\u63d0\u4f9b\u666e\u60e0\u7684\u91d1\u878d\u670d\u52a1\u3002<\/p>\n\n\n\n

Nik Storonsky \u4e0e Revolut<\/strong>\u3002Revolut \u662f\u4e00\u5bb6\u4ece\u6b27\u6d32\u5d1b\u8d77\u7684\u6570\u5b57\u94f6\u884c\uff0c\u5b83\u540c\u6837\u4ee5\u6ca1\u6709\u5b9e\u4f53\u7f51\u70b9\u3001\u901a\u8fc7\u624b\u673a App \u63d0\u4f9b\u7b80\u5355\u3001\u4fbf\u5b9c\u3001\u529f\u80fd\u4e30\u5bcc\u7684\u91d1\u878d\u670d\u52a1\u800c\u8457\u79f0\uff0c\u5c24\u5176\u5728\u8de8\u5883\u652f\u4ed8\u3001\u5916\u6c47\u5151\u6362\u7b49\u65b9\u9762\uff0c\u4e3a\u7528\u6237\u7701\u4e0b\u4e86\u4f20\u7edf\u94f6\u884c\u9ad8\u6602\u7684\u8d39\u7528\u3002\u5b83\u548c Nubank \u4e00\u6837\uff0c\u90fd\u662f\u9760”\u6570\u5b57\u5316\u3001\u4f4e\u6210\u672c\u3001\u597d\u4f53\u9a8c”\uff0c\u53bb\u6311\u6218\u548c\u98a0\u8986\u90a3\u4e9b\u50b2\u6162\u3001\u6602\u8d35\u7684\u4f20\u7edf\u94f6\u884c\uff0c\u8d62\u5f97\u4e86\u5927\u91cf\u8ffd\u6c42\u4fbf\u5229\u548c\u5b9e\u60e0\u7684\u7528\u6237\u3002<\/p>\n\n\n\n

Chime\uff08\u7f8e\u56fd\u6570\u5b57\u94f6\u884c\uff09<\/strong>\u3002Chime \u5728\u7f8e\u56fd\uff0c\u4e13\u95e8\u670d\u52a1\u90a3\u4e9b\u88ab\u4f20\u7edf\u5927\u94f6\u884c\u7684\u9ad8\u989d\u8d39\u7528\uff08\u6bd4\u5982\u5404\u79cd\u8d26\u6237\u7ba1\u7406\u8d39\u3001\u900f\u652f\u8d39\uff09\u6240\u56f0\u6270\u7684\u666e\u901a\u6c11\u4f17\u3002\u5b83\u4e3b\u6253\u514d\u8d39\u3001\u65e0\u9690\u85cf\u8d39\u7528\u3001\u8fd8\u80fd\u5e2e\u4eba\u4eec\u66f4\u65e9\u5730\u62ff\u5230\u5de5\u8d44\uff0c\u8d62\u5f97\u4e86\u5927\u91cf\u5bf9\u8d39\u7528\u654f\u611f\u7684\u666e\u901a\u7528\u6237\u7684\u9752\u7750\u3002\u5b83\u548c Nubank \u662f\u540c\u4e00\u7c7b\u73a9\u5bb6\uff1a\u90fd\u7ad9\u5728\u88ab\u4f20\u7edf\u94f6\u884c\u76d8\u5265\u7684\u666e\u901a\u4eba\u4e00\u8fb9\uff0c\u7528\u514d\u8d39\u548c\u53cb\u597d\u7684\u6570\u5b57\u5316\u670d\u52a1\uff0c\u53bb\u4e89\u53d6\u90a3\u4e2a\u88ab\u5ffd\u89c6\u7684\u5927\u4f17\u5e02\u573a\u3002<\/p>\n\n\n\n

\u4ed6\u4eec\u7684\u5171\u6027<\/h2>\n\n\n\n

Nubank\u3001M-Pesa\u3001Revolut\u3001Chime\uff0c\u8eab\u5904\u4e0d\u540c\u7684\u56fd\u5bb6\u548c\u5e02\u573a\uff0c\u505a\u7684\u5374\u662f\u540c\u4e00\u4ef6\u4e8b\uff1a\u4ed6\u4eec\u90fd\u7528\u6570\u5b57\u5316\u3001\u4f4e\u6210\u672c\u7684\u65b9\u5f0f\uff0c\u53bb\u670d\u52a1\u90a3\u4e2a\u88ab\u4f20\u7edf\u91d1\u878d\u673a\u6784\u56e0\u4e3a”\u4e0d\u597d\u8d5a”\u6216”\u770b\u4e0d\u4e0a”\u800c\u5ffd\u89c6\u3001\u76d8\u5265\u3001\u751a\u81f3\u6392\u65a5\u7684\u5e9e\u5927\u666e\u901a\u4eba\u7fa4\u4f53\uff0c\u628a\u4fbf\u5229\u3001\u4fbf\u5b9c\u3001\u6709\u5c0a\u4e25\u7684\u91d1\u878d\u670d\u52a1\uff0c\u666e\u53ca\u7ed9\u4e86\u5927\u4f17\u3002<\/p>\n\n\n\n

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\u6848\u4f8b\u542f\u53d1<\/h2>\n\n\n\n

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