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《新的现实》第三篇:金融业(中英双语)

  • 2022-05-16 10:00:07

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继续我们的报告解读。


本文编译自营销咨询机构Wunderman Thompson发布的第二份元宇宙报告《新的现实》(New realities)。


元宇宙的那些数字(中英双语)" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2">《新的现实》第一篇:关于元宇宙的那些数字(中英双语)

《新的现实》第二篇:零售业(中英双语)



全球82%的消费者认为金融行业将受到元宇宙的影响。主要金融机构纷纷预测,元宇宙将成为一股重要的经济力量。


划重点*****


高盛摩根士丹利都称元宇宙有8万亿美元的市场机会。花旗集团在2022年4月的分析预测,到2030年,元宇宙经济可能增长到13万亿美元。

Goldman Sachs and Morgan Stanley have each called the metaverse an $8 trillion market opportunity.Analysis from Citi in April 2022 predicts that the metaverse economy could grow to $13 trillion by 2030.


摩根大通在2022年2月发布的《元宇宙的机遇》报告中,将元宇宙归类为每年1万亿美元的机遇,引用的因素包括不断增长的虚拟房地产市场(可能包括信贷管理、虚拟财产的抵押贷款和租赁协议),元宇宙中的工作和广告,以及预估每年产生540亿美元收入的虚拟商品经济。

In its February 2022 “Opportunities in the metaverse” report, JPMorgan labeled the metaverse a $1 trillion annual opportunity, citing factors such as the growing virtual real estate market—which could eventually include the management of credit, mortgages and rental agreements for virtual properties—work in the metaverse (see page 38),advertising in the metaverse, and the virtual goods economy, which it estimated as generating $54 billion in yearly revenue.


主要的金融和政治参与者正在采取措施拥抱数字经济。

Leading financial and political players are taking steps to embrace digitaleconomies.


  • 纽约证券交易所正在准备NFT和加密货币交易,并于2022年2月提交了虚拟交易市场的商标申请。

  • 纽约市长Eric Adams在2021年11月当选时宣布,他的头三份薪水将以比特币支付。

  • 迈阿密市长Francis Suarez在当月早些时候承诺,他的下一份薪水将以比特币支付。

The New York Stock Exchange is preparing for NFT and cryptocurrency trading with a trademark application, filed in February 2022, for a virtual trading marketplace. Eric Adams, mayor of New York City, announced when he was elected in November 2021 that he would take his first three paychecks in Bitcoin, following Miami mayor Francis Suarez’s pledge earlier that month to receive his next paycheck in Bitcoin.


一些国家正在试验国家监管的数字货币。

Several countries are experimenting with nationally regulated digital currencies.


  • 2022年3月,美国总统拜登签署了一项探索数字美元的行政命令。

  • 同月,英国央行宣布与麻省理工学院媒体实验室的数字货币计划合作开展一项为期一年的研究项目,研究中央银行数字货币。

  • 2022年2月,印度宣布计划在2022-2023年推出数字卢比。

In March 2022, in the United States, President Biden signed an executive order to explore a digital dollar. In the same month, the Bank of England announced a yearlong research project in collaboration with MIT Media Lab’s Digital Currency Initiative on central bank digital currencies. And in February 2022, India announced plans to launch a digital rupee in 2022-2023.



中国目前正在试行数字人民币,并计划最终将这种电子货币推向大众使用。据路透社在2021年11月报道,截至2021年10月,约有1.4亿人打开了数字人民币“钱包”,进行的交易总额约为620亿元(97亿美元)。

China is currently piloting a digital yuan, with plans to eventually roll out the electronic currency for mass public use. Some 140 million people had opened “wallets” for the digital yuan as of October 2021 and had used the new currency for transactions totaling around 62 billion yuan ($9.7 billion), Reuters reported in November 2021.


银行****


金融机构开始为虚拟银行开辟空间,使元宇宙成为虚拟商务的一站式服务场所,这可能标志着银行业的下一个演变。


图片来源:ONYX


2022年2月,全球第五大银行摩根大通率先成为元宇宙里的第一家银行。该银行在Decentraland[2]开设了一个名为“ONYX”的虚拟休息室,为新兴的元经济做准备。

In February 2022, JPMorgan, the world’s fifth-largest bank, won the race to become the first bank in the metaverse. The bank opened its virtual Onyx lounge in Decentraland to prepare for the emerging metaconomy.


摩根大通在其“元宇宙机遇”报告中表示:“我们认为,现有的虚拟游戏领域(每个虚拟世界都有自己的人口、GDP、游戏货币和数字资产)具有与现有全球经济平行的元素。”

“We believe the existing virtual gaming landscape (each virtual world with its own population, GDP, in-game currency and digital assets) has elements that parallel the existing global economy,” JPMorgan said in its “Opportunities in the metaverse” report.


2022年3月,世界第七大银行汇丰银行宣布将与The Sandbox[1]合作进入元宇宙。该银行计划在The Sandbox购买一块土地,用于吸引和接触体育、电子竞技和游戏爱好者。

In March 2022, HSBC, the world’s seventh-largest bank, announced that it will enter the metaverse in partnership with The Sandbox. The bank plans to buy a piece of land in The Sandbox, which will be developed to engage and connect with sports, esports and gaming enthusiasts.


元宇宙是指人们将如何体验下一代互联网Web3——使用增强现实(AR)、虚拟现实(VR)和扩展现实(XR)等沉浸式技术。”汇丰银行亚太区首席营销官Suresh Balaji表示,“我们看到了通过新兴平台创造新体验的巨大潜力。”

“The metaverse is how people will experience Web3, the next generation of the internet—using immersive technologies like augmented reality, virtual reality and extended reality,” says Suresh Balaji, HSBC’s chief marketing officer for Asia-Pacific. “We see great potential to create new experiences through emerging platforms.”



支付***


Web3和虚拟商务可能会为元宇宙带来新的支付模式。简化虚拟支付的新服务和产品正在如雨后春笋般兴起。


美国运通正在探索将其支付和金融服务引入虚拟世界。2022年3月的一份商标申请显示,这家金融公司正在考虑向元宇宙的客户提供信用卡支付、ATM服务、银行服务和欺诈检测。

AmEx is exploring bringing its payments and financial services into the virtual world. The finance company is considering providing card payments, ATM services, banking services and fraud detection to customers in the metaverse, a March 2022 trademark filing suggests.


美国运通风险投资公司新任全球主管Matt Sueoka对《财富》杂志表示,他认为Web3是“一个千载难得的机会,可能会重置基础设施。”

Matt Sueoka, the new global head of Amex ventures, told Fortune that he sees Web3 as a“once-in-a-generation opportunity for a potential resetting of infrastructure.”



加密项目**


尽管绝大多数全球消费者(78%)表示对加密货币有所了解,但只有15%的人表示他们能够说清楚什么是加密货币。数字经济的未来不仅取决于普及,还取决于教育,对消费者和品牌都是如此。


2022年2月,万事达将其咨询服务扩展到加密货币、NFTs和开放式银行。新的专用服务将帮助银行和企业采用加密货币和NFTs等数字资产,解决数字货币和NFTs的风险评估,并为数字钱包、加密信用卡和加密忠诚计划的开发提供建议。

In February 2022, Mastercard expanded its consultancy services to cover cryptocurrency, NFTs and open banking. The new dedicated services will help banks and businesses adopt digital assets like cryptocurrency and NFTs, address risk assessment for digital currencies and NFTs, and advise on the development of digital wallets, crypto credit cards, and crypto loyalty programs.


“咨询业的这种发展是对世界变化和我们业务变化的认可。这是为了帮助客户应对当前的挑战,预测未来,”万事达数据与服务总裁Raj Seshadri表示。

“This evolution of consulting is in recognition of the changing world and of our changing business. It’s about helping customers navigate today’s challenges and anticipating what’s next,” says Raj Seshadri, president of data and services at Mastercard.



名词解释

[1]The Sandbox:中文名称“沙盒”,是一个去中心化的,社区驱动的游戏生态系统。

[2]Decentraland:是一个基于以太坊,由用户共同拥有并构建的虚拟世界平台。


敬请期待《新的现实》第四篇:卫生与健康(中英双语)


除特殊说明外,文中图片皆来自于Wunderman Thompson报告

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