Visa 的代幣化服務推動亞太地區支付繁榮

Visa 報告稱，其亞太地區令牌服務大幅成長，到2023 年將超過10 億個令牌，帶來超過20 億美元的收入。Visa 令牌服務(VST) 連接傳統銀行和數位支付服務，提供取代敏感卡號的安全令牌。這促進了跨境支付，減少了喜歡無現金交易的旅客的摩擦。隨著疫情後旅遊業的反彈，對低費用和無縫國際支付選擇的需求持續增長，Visa 預計代幣化和個人化消費者體驗將進一步增長。

Visa Token Service Propels Asia-Pacific Payments Growth

Visa 令牌服務推動亞太地區支付成長

NEW YORK, March 26, 2023 — Visa Inc. announced today that its payment services in the Asia-Pacific region have processed over 1 billion tokens, generating an estimated market uplift of more than $2 billion in the past year alone.

紐約，2023 年 3 月 26 日 — Visa Inc. 今天宣布，其在亞太地區的支付服務已處理超過 10 億個代幣，預計僅在過去一年就產生了超過 20 億美元的市場增長。

The Visa Token Service (VST), launched in 2014, bridges the gap between traditional banking account information and digital payment platforms such as Google Pay and Apple Pay. VST replaces the 16-digit primary account number (PAN) with a secure numeric token, protecting consumers' financial details and privacy.

Visa令牌服務（VST）於2014年推出，彌合了傳統銀行帳戶資訊與Google Pay和Apple Pay等數位支付平台之間的差距。 VST 以安全數位令牌取代 16 位元主帳號 (PAN)，保護消費者的財務詳細資料和隱私。

"Tokens are paving the way for the future of commerce," asserted T. R. Ramachandran, Head of Products and Solutions, Asia-Pacific, Visa. "Visa continues to innovate with tokenized payment credentials, unlocking new and personalized experiences for consumers."

Visa 亞太區產品和解決方案主管 T. R. Ramachandran 表示：“代幣正在為商業的未來鋪平道路。” “Visa 繼續透過代幣化支付憑證進行創新，為消費者帶來全新的個人化體驗。”

Operating on VisaNet, the company's proprietary global payments network, VST can handle over 56,000 transactions per second. This high-speed infrastructure facilitates seamless cross-border payments and international travel, significantly reducing friction points for consumers.

VST 在該公司專有的全球支付網路 VisaNet 上運行，每秒可處理超過 56,000 筆交易。這種高速基礎設施促進無縫跨境支付和國際旅行，顯著減少消費者的摩擦點。

A recent Visa study revealed that 97% of travelers to the Asia-Pacific region prefer non-cash payment options, with an average spending of $2,525 per trip in 2023. The tokenization of traditional assets into digital currencies and payment intermediaries has surged in the wake of the COVID-19 pandemic.

Visa 最近的一項研究顯示，97% 前往亞太地區的旅客更喜歡非現金支付方式，2023 年每次旅行的平均支出為2,525 美元。隨之而來的是傳統資產代幣化為數位貨幣和支付中介的激增COVID-19 大流行。

As travel rebounds and consumers seek international payment methods with lower fees and less hassle, the demand for tokenized payments has grown rapidly.

隨著旅遊業的復甦以及消費者尋求費用更低、麻煩更少的國際支付方式，對代幣化支付的需求迅速增長。

"We encourage more merchants to adopt tokenized payments, as this technology can enhance both their revenue and profitability," said Previn Pillay, Head of Merchant Sales and Acquiring, Asia Pacific, Visa.

Visa 亞太區商家銷售和收單主管 Previn Pillay 表示：“我們鼓勵更多商家採用代幣化支付，因為這項技術可以提高他們的收入和盈利能力。”

Visa's VST has enabled a burgeoning ecosystem of partners and solutions that leverage tokenized payments. These include mobile wallets, loyalty programs, and digital banking platforms, providing consumers with a wide range of convenient and secure payment options.

Visa 的 VST 催生了一個由利用代幣化支付的合作夥伴和解決方案組成的新興生態系統。其中包括行動錢包、忠誠度計劃和數位銀行平台，為消費者提供了廣泛的方便且安全的支付選擇。

"The possibilities are endless with tokenized payment credentials," added Ramachandran. "We're working closely with our partners to unlock the full potential of this technology and deliver greater value to the entire payments landscape."

Ramachandran 補充道：“代幣化支付憑證的可能性是無限的。” “我們正在與合作夥伴密切合作，以釋放這項技術的全部潛力，並為整個支付領域帶來更大的價值。”

The adoption of tokenized payments in the Asia-Pacific region is expected to continue growing rapidly in the years ahead, driven by the region's burgeoning digital economy and the increasing demand for convenient and secure payment experiences.

在亞太地區蓬勃發展的數位經濟以及對便利、安全支付體驗日益增長的需求的推動下，亞太地區代幣化支付的採用預計將在未來幾年繼續快速增長。