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\"\"By Andy Mukherjee
\n
Serves you right, Mark Zuckerberg<\/a><\/strong>
Facebook Inc.<\/a> lost so much time peddling a controlled internet-lite to India's poor, it let Google<\/a> score a lead where it truly matters: digital payments in the only billion-plus-people market open to Western tech firms.
\n
This week Google launched Tez<\/a>, which means \"fast\" in Hindi, as an online payment application custom-built for the nation. Early users complained of glitches, but those are fixable. What's important is that by hitting the market before Zuckerberg's planned WhatsApp<\/a> payment method, Google got the Indian government's blessing for an innovation that could become an emerging-market standard: audio QR.
\n
\nQuick response codes have put the Chinese digital payments market far ahead of Western counterparts, and Singapore wants to copy the model. China's revolution was spearheaded by Baidu Inc., Alibaba Group Holding Ltd. and Tencent Holdings Ltd. The homegrown BAT trinity used its control of e-commerce to beat both cash and plastic on convenience and costs.
\n
With that battle already lost for Western tech firms, the war has moved to India where there's no dominant homegrown player, nor any regular state policing of the internet<\/a>. This is where Facebook, Alphabet Inc.'s Google and Amazon.com Inc. will spar for acceptance of ideas they can then take to other emerging markets.
\n
\nIndia is the perfect battleground in more ways than one. Mobile data charges are plunging, thanks to Reliance Jio's bold bid to wrest market share from entrenched wireless operators. And the political environment is conducive to experimentation. The present government, having already drained 86 percent of the country's cash once, badly needs to show a behavioral shift away from physical currency before the next election. A card-based system is simply too expensive to work in remote villages.
\n
\nEnter audio QR. Even a cheap smartphone with a mic and a speaker can generate a scrambled audio burst picked up and decoded by another basic smartphone in the vicinity. With all lenders on a mobile-based unified payment interface that Google is also tapping, debiting and crediting bank accounts becomes child's play.
\n
Well, maybe not quite. Google still has to ensure security, and make the technology work in noisy bazaars. But CEO Sundar Pichai<\/a> has got the basics right: Just as the internet in emerging markets bypassed the desktop computer, users in a multilingual country with less than full literacy are more likely to use their voices, not fingers, to interact with their mobile phones. That's why billionaire Mukesh Ambani, the one building cheap Jio phones, wants them to be wholly voice-operated in most Indian languages.
\n
Google's Tez<\/a> doesn't offer as many language options yet as BHIM<\/a>, the Indian government's own payments app. New Delhi launched that app after its November demonetization caused an acute cash shortage. But that was an overkill -- the government should have stopped at just making the interface available to the private sector. Apps only take off when somebody pays people to use them.
\n
Following in the footsteps of Paytm, the popular Indian digital wallet backed by Masayoshi Son<\/a>'s SoftBank Group Corp<\/a>., Google is doing just that. The prize it has in mind -- as with everything else it does -- is advertising. A merchant that accepts a Tez payment is winning a customer it can target later with customized offers. Paytm, meanwhile, has become a bank, directly accepting interest-bearing customer deposits.
\n
\nIndia cellular phone users 1.19 billion<\/strong>
\nIt's too early to say if Tez will be a success, or if audio QR will become a dominant standard in Indian online payments. Nandan Nilekani, an Indian tech billionaire who went on to become the government's digital messiah, said last year that the state-built payments interface would alter banking just as WhatsApp has forced slothful telecom firms to change.
\n
\nThat WhatsApp moment, as Nilekani dubbed it, is coming via Google.
\n
\nZuckerberg may have lost first-mover advantage, but the popular messaging systems he owns are crying out to be used for something better than baby pictures and fake news.
\n
\nOutside of China, emerging-market digital payments are still anybody's game. Mark Zuckerberg, get your skates on.\n\n<\/body>","next_sibling":[{"msid":60804537,"title":"Mukesh Ambani, Sunil Bharti Mittal and Kumar Manglam Birla to share dais at Mobile Congress on Wednesday","entity_type":"ARTICLE","link":"\/news\/mukesh-ambani-sunil-bharti-mittal-and-kumar-manglam-birla-to-share-dais-at-mobile-congress-on-wednesday\/60804537","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":60805195,"entity_type":"ARTICLE","title":"Listen hard, Mark. Google's turned up the audio in India","synopsis":"With that battle already lost for Western tech firms, the war has moved to India where there's no dominant homegrown player, nor any regular state policing of the internet.","titleseo":"telecomnews\/listen-hard-mark-googles-turned-up-the-audio-in-india","status":"ACTIVE","authors":[],"Alttitle":{"minfo":""},"artag":"Bloomberg","artdate":"2017-09-23 17:00:12","lastupd":"2017-09-23 17:00:12","breadcrumbTags":["Google","WhatsApp","Mark Zuckerberg","Bhim","Google's Tez","Tez","Facebook Inc.","SoftBank Group Corp","Sundar Pichai","Internet","Masayoshi Son"],"secinfo":{"seolocation":"telecomnews\/listen-hard-mark-googles-turned-up-the-audio-in-india"}}" data-authors="[" "]" data-category-name="" data-category_id="" data-date="2017-09-23" data-index="article_1">

用心听,马克。谷歌发现了印度的音频

战斗已经失去了对西方科技公司,战争已搬到印度没有占主导地位的本土球员,也没有任何常规监管互联网的状态。

  • 发布于2017年9月23日凌晨5点坚持
由安迪•穆克吉

为你的权利干吧,马克•扎克伯格
Facebook Inc .。失去了那么多时间兜售internet-lite控制印度的穷人,这让谷歌比分领先,真正的问题:数字支付唯一billion-plus-people市场开放的西方科技公司。

本周谷歌推出了特斯在北印度语,意思是“快”,作为一个在线支付应用程序定制的国家。故障的早期用户抱怨,但这些都是可以解决的。重要的是按市场之前,扎克伯格的计划WhatsApp支付方式,谷歌有一个创新的印度政府的祝福,成为新兴市场标准:音频QR。

快速响应代码已经把中国的电子支付市场远远领先于西方同行,和新加坡想复制模型。中国革命是由百度公司牵头,阿里巴巴集团(Alibaba Group Holding Ltd .)和腾讯控股有限公司电子商务的本土蝙蝠三一利用其控制了现金和塑料方便和成本。

战斗已经失去了对西方科技公司,战争已搬到印度没有占主导地位的本土球员,也没有任何规律的国家治安互联网。这就是Facebook,字母Inc .) Google和Amazon.com Inc .)将晶石接受想法他们可以采取的其他新兴市场。

印度是完美的战场以不止一种方式。移动数据费用大幅下降,由于依赖Jio大胆的从根深蒂固的无线运营商手中夺取市场份额。和政治环境有利于实验。目前的政府,已经耗尽了该国86%的现金一次,迫切需要显示行为脱离物理货币在下次选举前。基于系统工作在偏远村庄实在太贵了。

输入音频QR。即使是廉价智能手机的麦克风和扬声器可以生成一个炒音频突然拿起和解码附近的另一个基本的智能手机。手机上的所有银行统一支付接口,谷歌也攻,代理商会和发放贷款的银行账户成为孩子们的游戏。

好吧,也许不是。谷歌仍然必须确保安全,使该技术在喧闹的集市。但首席执行官Sundar Pichai有最基本的权利:正如在新兴市场的互联网绕过了台式电脑,用户在一个多语言国家不到完整的文化更可能使用他们的声音,而不是手指,与手机交互。这也就是为什么亿万富翁穆凯什•安巴尼一栋廉价Jio手机,想要他们在大多数印度语言完全声控。

谷歌特斯然而,不提供尽可能多的语言选项BHIM,印度政府的支付应用。新德里11月推出后,应用禁止流通造成了严重的资金短缺。但这是一个过度,政府应该停止在接口提供给私营部门。应用程序只有起飞当有人支付人使用它们。

Paytm的脚步后,受欢迎的印度支持的电子钱包孙正义的软银集团公司,谷歌就是这么做的。记住的奖——与其他它是广告。一个商人接受特斯支付是赢得客户可以用定制提供了目标之后。Paytm,与此同时,已成为银行,直接接受有息存款。

印度的手机用户11.9亿
还为时过早说如果特斯将是一个成功,或者音频QR印度在线支付将成为占主导地位的标准。南丹•尼勒卡尼印度科技亿万富翁成为政府的数码救世主,去年表示,建立起来的支付接口将改变银行就像WhatsApp怠惰的电信公司不得不改变。

WhatsApp时刻,尼勒卡尼称,通过谷歌来了。

扎克伯格可能失去了先发优势,但他拥有的受欢迎的消息传递系统迫切需要的是用于一些比婴儿照片和假新闻。乐动扑克

中国以外,新兴市场的数字支付仍然是任何人的游戏。马克•扎克伯格(Mark Zuckerberg),让你的溜冰鞋。
  • 发布于2017年9月23日凌晨5点坚持
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\"\"By Andy Mukherjee
\n
Serves you right, Mark Zuckerberg<\/a><\/strong>
Facebook Inc.<\/a> lost so much time peddling a controlled internet-lite to India's poor, it let Google<\/a> score a lead where it truly matters: digital payments in the only billion-plus-people market open to Western tech firms.
\n
This week Google launched Tez<\/a>, which means \"fast\" in Hindi, as an online payment application custom-built for the nation. Early users complained of glitches, but those are fixable. What's important is that by hitting the market before Zuckerberg's planned WhatsApp<\/a> payment method, Google got the Indian government's blessing for an innovation that could become an emerging-market standard: audio QR.
\n
\nQuick response codes have put the Chinese digital payments market far ahead of Western counterparts, and Singapore wants to copy the model. China's revolution was spearheaded by Baidu Inc., Alibaba Group Holding Ltd. and Tencent Holdings Ltd. The homegrown BAT trinity used its control of e-commerce to beat both cash and plastic on convenience and costs.
\n
With that battle already lost for Western tech firms, the war has moved to India where there's no dominant homegrown player, nor any regular state policing of the internet<\/a>. This is where Facebook, Alphabet Inc.'s Google and Amazon.com Inc. will spar for acceptance of ideas they can then take to other emerging markets.
\n
\nIndia is the perfect battleground in more ways than one. Mobile data charges are plunging, thanks to Reliance Jio's bold bid to wrest market share from entrenched wireless operators. And the political environment is conducive to experimentation. The present government, having already drained 86 percent of the country's cash once, badly needs to show a behavioral shift away from physical currency before the next election. A card-based system is simply too expensive to work in remote villages.
\n
\nEnter audio QR. Even a cheap smartphone with a mic and a speaker can generate a scrambled audio burst picked up and decoded by another basic smartphone in the vicinity. With all lenders on a mobile-based unified payment interface that Google is also tapping, debiting and crediting bank accounts becomes child's play.
\n
Well, maybe not quite. Google still has to ensure security, and make the technology work in noisy bazaars. But CEO Sundar Pichai<\/a> has got the basics right: Just as the internet in emerging markets bypassed the desktop computer, users in a multilingual country with less than full literacy are more likely to use their voices, not fingers, to interact with their mobile phones. That's why billionaire Mukesh Ambani, the one building cheap Jio phones, wants them to be wholly voice-operated in most Indian languages.
\n
Google's Tez<\/a> doesn't offer as many language options yet as BHIM<\/a>, the Indian government's own payments app. New Delhi launched that app after its November demonetization caused an acute cash shortage. But that was an overkill -- the government should have stopped at just making the interface available to the private sector. Apps only take off when somebody pays people to use them.
\n
Following in the footsteps of Paytm, the popular Indian digital wallet backed by Masayoshi Son<\/a>'s SoftBank Group Corp<\/a>., Google is doing just that. The prize it has in mind -- as with everything else it does -- is advertising. A merchant that accepts a Tez payment is winning a customer it can target later with customized offers. Paytm, meanwhile, has become a bank, directly accepting interest-bearing customer deposits.
\n
\nIndia cellular phone users 1.19 billion<\/strong>
\nIt's too early to say if Tez will be a success, or if audio QR will become a dominant standard in Indian online payments. Nandan Nilekani, an Indian tech billionaire who went on to become the government's digital messiah, said last year that the state-built payments interface would alter banking just as WhatsApp has forced slothful telecom firms to change.
\n
\nThat WhatsApp moment, as Nilekani dubbed it, is coming via Google.
\n
\nZuckerberg may have lost first-mover advantage, but the popular messaging systems he owns are crying out to be used for something better than baby pictures and fake news.
\n
\nOutside of China, emerging-market digital payments are still anybody's game. Mark Zuckerberg, get your skates on.\n\n<\/body>","next_sibling":[{"msid":60804537,"title":"Mukesh Ambani, Sunil Bharti Mittal and Kumar Manglam Birla to share dais at Mobile Congress on Wednesday","entity_type":"ARTICLE","link":"\/news\/mukesh-ambani-sunil-bharti-mittal-and-kumar-manglam-birla-to-share-dais-at-mobile-congress-on-wednesday\/60804537","category_name":null,"category_name_seo":"telecomnews"}],"related_content":[],"msid":60805195,"entity_type":"ARTICLE","title":"Listen hard, Mark. Google's turned up the audio in India","synopsis":"With that battle already lost for Western tech firms, the war has moved to India where there's no dominant homegrown player, nor any regular state policing of the internet.","titleseo":"telecomnews\/listen-hard-mark-googles-turned-up-the-audio-in-india","status":"ACTIVE","authors":[],"Alttitle":{"minfo":""},"artag":"Bloomberg","artdate":"2017-09-23 17:00:12","lastupd":"2017-09-23 17:00:12","breadcrumbTags":["Google","WhatsApp","Mark Zuckerberg","Bhim","Google's Tez","Tez","Facebook Inc.","SoftBank Group Corp","Sundar Pichai","Internet","Masayoshi Son"],"secinfo":{"seolocation":"telecomnews\/listen-hard-mark-googles-turned-up-the-audio-in-india"}}" data-news_link="//www.iser-br.com/news/listen-hard-mark-googles-turned-up-the-audio-in-india/60805195">