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
全新的互联网乐天堂娱乐模式国际资讯基于互联网平台的乐天堂娱乐业务

瑞典:乐天堂娱乐科技发展迅猛,三家企业风头最劲

瑞典经济政策和政府效率全球闻名。而如今,这里的乐天堂娱乐科技产业也开始蓬勃发展起来。

支付新星Klarna:对抗传统银行,势不可挡

今年夏天,瑞典创企Klarna不仅推出了自己的P2P支付软件Wavy,还获得了完整的银行执照,在诸多乐天堂娱乐科技公司中脱颖而出,成为为数不多几家与传统银行正面交锋的公司。TechCrunch数据显示,Klarna目前已与70万家电子商务网站达成合作,企业市值达到20亿美元。2017年6月, Visa宣布购入Klarna股份,同时与其进行支付合作。如今,Klarna被认为是世界上最有前途的乐天堂娱乐科技创业公司之一。虽然Klarna是至今为止斯德哥尔摩最大的独角兽公司(估值达到10亿美元以上的创业公司),但它不会是最后一家。

Safello:专注欧洲市场的加密货币交易所

斯德哥尔摩乐天堂娱乐科技中心成立还不满一年,如今已有包括IBM和微软在内的200多家企业入驻其中。Frank Schuil是加密货币交易所Safello的CEO,他认为,一旦北欧大众普遍接受了一种思想或技术(如区块链系统),这种思想或技术就能够迅速发展。

瑞典对比特币的需求还比较小,但整体趋势却始终保持增长态势。瑞典中央银行甚至考虑创建国家加密货币的可行性。同时,因管理与用户习惯不同,与北美相比,欧洲比特币市场分布非常分散,而Safello想要成为"欧洲的Coinbase"。Coinbase可以说是世界上最好的比特币交易公司,欧洲也早已开放使用比特币。Safello支持九种不同语言,并专注于欧洲用户市场,这应该也算是这个平台的一大特色。

Schuil表示,每个欧洲国家都有自己流行的支付方式和独有的政府电子身份证。德国购买者可能会使用本国软件,而法国人则更喜欢用借记卡或信用卡。虽然现在贝宝还未在整个欧洲通行使用,但在能够使用的地区十分流行。而Safello不局限于一种支付手段,Safello直接把比特币汇入用户的私人地址,而不是放在基金里让用户过后提现。

至今为止,Safello已经帮助上千万欧洲用户完成了价值1000万美元的交易。接下来Safello将为企业增加服务选择,目标是为商业用户、个人用户及企业比特币购买者提供更多富有凝聚力的用户体验。Schuil表示:"我们早就为中小企业这么做了,因此如今想要把这种服务带给机构客户。如今乐天堂娱乐机构想要进入市场很难,甚至不可能进入市场。"帮助银行和其他传统乐天堂娱乐机构购买加密货币对欧洲比特币用户影响广泛。Klarna过去也曾暗示比特币有潜力简化支付流程。

微芯片制造商Biohax:用生物技术革新支付体验

Klarna和Safello并不是瑞典唯一一家有可能彻底改变人们与金钱关系的创业企业,而下面我们要介绍的就是一家主营微芯片的创企Biohax。

Biohax生产的这种微芯片一般会植入到用户手部,而后就可以用于购买火车票和食物,或者进行身份验证。比如威斯康星州企业Three Square Market的员工就通过刷生物骇客手来购买办公室零食,也能够作为工作证件使用办公设备。这种微芯片植入购买的模式与刷信用卡类似,Biohax相信这种崭新的购物方式可以帮助推动移动支付的进一步发展。

如今,瑞典已基本步入无现金社会,手机支付、刷卡、加密货币使用超过了纸质货币。如果像Biohax这种微芯片的生物骇客技术能够与比特币钱包、其他不同乐天堂娱乐方式同步发展,那人们可能无需借助手机或电脑就能够使用加密货币了,漏税、身份盗用的难度也将大大增加。

Swedish economic policy and government efficiency are world renown. Sure, Silicon Valley is still home to PayPal and Coinbase. But Sweden is fostering several fintech game-changers of its own.

The Swedish startup Klarna made waves this summer by launching its own peer-to-peer payment app called Wavy and acquiring a full banking license, which sets Klarna apart as one of the few fintech companies able to compete with traditional banks head-on. TechCrunch described it as a $2 billion startup working the 700,000 e-commerce sites. In June, Visa Inc. announced it is buying a stake in Klarna plus forming a payments partnership. Klarna is now widely considered one of the world’s most promising fintech startups. Although it may be the biggest unicorn to come out of Stockholm so far, it probably won’t be the last.

“Sweden has historically been very strong and building technology platforms,” Frank Schuil, CEO of the Stockholm-based cryptocurrency exchange Safello, told International Business Times. “There are a lot of fintech startups in Stockholm.”

The Stockholm Fintech Hub is less than a year old and is now reportedly home to more than 200 startups, plus representatives from a few global players like IBM and Microsoft. Schuil thinks one of the most interesting things about the Nordic market is how quickly it can evolve once people generally agree a certain mindset or technology, like blockchain systems, is the future. “That’s what we’re seeing now in Stockholm, where I live,” he said.

There is a small but growing demand for bitcoin in Sweden. Sweden’s central bank is even considering the merits of making its own national cryptocurrency. In the meantime, Safello aims to become the “ Coinbase of Europe,” since the European bitcoin landscape is far more diverse than North America in terms of regulation and user habits. Coinbase, arguably the world’s best funded bitcoin exchange, is already available in Europe. However, Safello sets itself apart by focusing exclusively on the needs of European users, including support in nine different languages.

“You have pretty much in every country, their own small, little brokerage,” Schuil said. Each nation often also has its own popular payment methods and electronic government IDs. German buyers might use local apps while the French prefer debit and credit cards. PayPal is pretty popular wherever it is available, although it’s not yet uniformly available across Europe. “Instead of looking at just one payment method, we’ve looked at the local payment methods,” Schuil said. The Swedish exchange sends bitcoin directly to the user’s private address instead of offering to hold funds the user could later cash out.

So far, Schuil said Safello has facilitated $10 million worth of transactions involving tens of thousands of European users. Next, Safello is beefing up its enterprise options.The goal is to make a more cohesive user experience for business owners, individuals and enterprise bitcoin buyers alike. “We already do it for small to medium businesses, so we’re now looking to take it to institutional clients,” Schuil said. “To allow financial institutions to enter a market that is now hard or impossible for them to enter.” Helping banks and other traditional finance players buy cryptocurrency could have a widespread impact for European bitcoin users. In the past, Klarna has also hinted at the potential for easier bitcoin-friendly payment processing.

Klarna and Safello aren’t the only Swedish startups with the potential to completely overhaul how people interact with money. Among all the startups buzzing around Stockholm, Biohax International certainly stands out. Biohax CEO Jowan Osterlund told IBT his team has implanted 3,000 microchips in people’s bodies, usually their hands, most of which happened in the past year. “Now we have requests from all over the world, even Antarctica,” Osterfund said. Demand for this biohacking service continues to grow.

These microchips can be used for purchases like train tickets and food. The Wisconsin company Three Square Market now lets employees buy office snacks with the swipe of a bio hacked hand, while also using the chip as a workplace ID for office equipment. Osterlund said making purchases with a microchip implants is a lot like swiping a credit card, most merchants require the user enter a pin code or verification so purchases can’t be faked or made by accident. He believes microchips could remove the need for physical money altogether. “We’re inventing a brand new way for people to shop.” Osterlund said.

Sweden is already a largely cashless society, where mobile payments, swipeable cards and cryptocurrency trump paper bills. If biohacking technology like Biohax’s microchip could sync up with bitcoin wallets and other decentralized financial channels, it could open whole new world of possibilities. People could use cryptocurrency even without a mobile phone or computer. For online purchases, users could theoretically use their phones to swipe a scanner. Tax evasion and identity theft would become far more difficult, while access to financial services spread beyond the realm of mobile apps and plastic cards. “It’s like a vault door for your online persona, your digital persona,” Osterlund said. “I want to make petroleum plastic cards obsolete.”


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