最有看点的互联网乐天堂娱乐门户

最有看点的互联网乐天堂娱乐门户
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《纽约时报》:乐天堂娱乐科技行话解析

乐天堂娱乐科技(即fintech)行业内有太多行话、术语、语意模糊的专有名词。

以下是一些乐天堂娱乐科技常用术语表。

乐天堂娱乐科技(FINTECH):以乐天堂娱乐业顶尖软件与技术闻名的产业。内容非常广泛,从银行自动取款机到证券市场现场操作软件无所不包。

加密货币(CRYPTOCURRENCY):依靠密码学确保、保护交易的一种数字货币。市场上有不同类型的加密货币——其中最著名的两种是比特币和以太币。

比特币(BITCOIN):一种利用分散P2P网络支付、而非中央银行或中间商的数字(或加密)货币。

区块链(BLOCKCHAIN):首次出现时是比特币基础系统软件。也被称为分布式账本技术(DLT),是一种由计算机网络、而非中央权威机构维护更新的共享信息记录。区块链由先进的密码学保证安全。

以太坊(ETHEREUM):一种区块链网络。比特币与以太坊区块链主要在目的与功能上不同。比特币区块链用于追踪数字货币比特币的所有权,以太坊区块链用于建立分散的应用。以太坊相关的虚拟货币被称为以太币(Ether)。

P2P借贷:也被称为社会借贷,P2P出借方运营网站,借款者可以越过银行直接从出借方获得资金。

智能合约(SMART CONTRACTS):利用区块链技术运行合约,能够自动实施合约条款。例如,“智能合约”能够自动向投资者支付利息。

智能投顾(ROBO-ADVICE):通过使用计算机计算给出乐天堂娱乐建议。Robo-advisors,又称为在线投资顾问,通常把客户的钱投入低成本交易基金组成的投资组合中。

保险科技(INSURTECH):受乐天堂娱乐科技术语启发,保险科技主张使用技术使保险业现代化,并促进保险业发展。

管理科技(REGTECH):或称为regulatory technology。这一术语主要指用于帮助乐天堂娱乐服务公司实现管理高效低价、帮助管理人执行规章的软件或技术。

开放式银行业(OPEN BANKING):指银行使用开放应用程序编程接口(API),让第三方软件开发者能够云运用银行数据开发应用和软件。API是一种应用程序交互界面,通过一系列指令及工具,软件开发者能够开发新的引用,与其他公司系统相互作用。例如,通过连接银行API,乐天堂娱乐科技创业公司能够开发一种手机应用软件,让银行顾客从账户中存、取钱,或仅仅查看账户余额。

非银行用户/无银行帐户(UNDERBANKED/UNBANKED):指很少或没有机会接触主流乐天堂娱乐服务的个人或企业。据世界银行预测,世界上仍有20亿成年人没有机会接触正式的乐天堂娱乐服务。

普惠乐天堂娱乐(FINANCIAL INCLUSION):旨在向非银行用户提供更多可选择、可负担的主流乐天堂娱乐产品与服务。乐天堂娱乐科技中通常指利用诸如手机等技术向被银行、其他乐天堂娱乐公司习惯性忽视的用户提供更加低廉的服务。

加密货币首次公开发行(ICO):即Initial Coin Offering,或称为代币发行。本词指新的加密货币企业融资、投资者收到代币作为回报的过程。

股权众筹(EQUITY-CROWDFUNDING):顾客通过网站投资尚未在股票交易所上市的公司,获得公司股票作为回报。

乐天堂娱乐科技领域还有很多通用术语:

KYC:或称为你的客户、你的顾客。一种为了反洗钱而确认顾客商业认证、核实认证的过程。

加密(ENCRYPTION):信息加密过程。一旦某信息加密,将产生一把“钥匙”,以便把密码还原为有用数据。

全渠道(OMNI CHANNEL):一种为顾客集合诸如网络、手机、实体等不同购物模式的零售模式。例如,全渠道银行就是指能够提供这三种方式的银行。

加速器与孵化器(ACCELERATORS AND INCUBATORS):机构选择企业家或创业企业,提供指导,向潜在客户和投资者进行推荐,常用股票份额作为交换。

The world of financial technology - also known as "fintech" -involves lots of buzzwords, jargon and often obscure terminology.

Here's a list of some of the industry's main "lingo."

FINTECH: Or financial technology is the industry known for championing software and technology in the financial sector. A very broad term, it includes anything from a bank ATM, to software used to help spot manipulation of securities markets.

CRYPTOCURRENCY: A digital currency that relies on cryptography to validate and secure transactions. There are different types of cryptocurrencies - bitcoin and Ether are among the best known.

BITCOIN: A digital - or crypto - currency that enables payment in a decentralized peer-to-peer (P2P) network not governed by any central authority or middleman.

BLOCKCHAIN: Software that first emerged as the system underpinning bitcoin. Also known as distributed ledger technology (DLT), it is a shared record of information that is maintained and updated by a network of computers rather than a central authority. It is protected and secured by advanced cryptography.

ETHEREUM: A type of blockchain network. The bitcoin and Ethereum blockchains differ primarily in purpose and capability. While the bitcoin blockchain is used to track ownership of the digital currency bitcoin, the Ethereum blockchain can be used to build decentralized applications. The virtual currency associated with Ethereum is called Ether.

P2P LENDING: Also known as social lending, peer-to-peer lenders run websites where borrowers can secure money directly from lenders bypassing banks.

SMART CONTRACTS: Software that runs on blockchain technology and can automatically enforce the terms of an agreement. A "smart bond", for example would automatically make interest payments to investors. ?

ROBO-ADVICE: Financial advice given through the use of computer algorithms. Robo-advisors, also known as online investment managers, typically invest their clients' money in portfolios made up of low cost exchange-traded funds.

INSURTECH: Inspired by the term fintech, insurtech champions the use of technology to modernize and improve the insurance business.

REGTECH: Or regulatory technology. The term refers to software and other technology aimed at helping financial services businesses comply with regulations efficiently and inexpensively, or regulators enforce rules.

OPEN BANKING: A term used to refer to the use of open APIs by banks to enable third party software developers to create applications and software using the bank's data. APIs are application programming interfaces, a set of instructions and tools that enable software developers to create applications that can interact with another company's systems. For example, by connecting to a bank's API, a fintech startup could develop a mobile phone app that moves money in an out from the accounts of a bank's customers, or simply lets them check their balance.

UNDERBANKED/UNBANKED: People or businesses that have little or no access to mainstream financial services. The World Bank estimates that there are 2 billion adults worldwide without access to formal financial services.

FINANCIAL INCLUSION: Term used to refer to financial products and services aimed at providing more affordable and mainstream options to the underbanked. In fintech, this often involves taking advantage of technology, such as mobile phones, to offer cheaper services to those who have been traditionally overlooked by banks and other financial firms.

ICO: Initial Coin Offering, or a token sale. The process or event in which funds are raised for a new cryptocurrency venture and contributors receive tokens in return.

EQUITY-CROWDFUNDING: When people invest through a website in a company not yet listed on a stock exchange and receive back shares in the firm.

More generic terminology often heard in fintech spheres:

KYC: Or know your client/customer. A process to ensure businesses identify and verify the identity of their clients, for anti-money laundering (AML) purposes.

ENCRYPTION: The process of encoding messages. Once something has been encrypted, a key is required to turn that code back into useful data.

OMNI CHANNEL: A retail model that integrates different purchasing methods for customers such as online, by phone or in store. Omnichannel banking, for example, means offering banking across those three methods.

ACCELERATORS AND INCUBATORS: Organizations that select entrepreneurs or startups and offer them coaching, mentoring as well as exposure to potential clients and investors - often in exchange for an equity stake.


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