微信支付在馬來西亞開通數字錢包大綱
Tencent's WeChat, China's most popular social media app, has launched its digital payments platform in Malaysia, its first market in Asia beyond China and Hong Kong.
中國最受歡迎的社交媒體應用--騰訊的微信，已在馬來西亞推出其數字支付平臺，這是微信在中國內地和中國香港以外的第一個亞洲市場。
Malaysia's WeChat users will be able to transfer money among themselves and make payments to offline merchants in ringgit.
馬來西亞的微信用戶將能夠相互轉賬，並用該國貨幣林吉特向線下商家付款。
This suggests Tencent is building a local payments service, rather than taking the more common route of overseas expansion used by Chinese mobile-app providers that caters to Chinese tourists or nationals living abroad.
這似乎表明騰訊正在打造本地支付服務，而不走中國手機應用提供商比較常見的海外擴張途徑，即面向境外中國遊客或旅居海外的中國國民。
Malaysia's central bank has been implementing policies promoting electronic payments in a bid to boost a network that lags behind other south-east Asian markets.
馬來西亞央行一直在實施促進電子支付的政策，以提振一個落後於東南亞其他市場的網絡。
That has triggered the launch of digital wallets by other strong players, including Grab, the south-east Asia ride-hailing company.
這已促使其他公司推出數字錢包，包括活躍於東南亞的叫車公司Grab。
"Malaysia is a vibrant market. Technology-savvy Malaysians are embracing a digital lifestyle and to meet this shift, the payment experience has to evolve. Bringing WeChat Pay to Malaysia is our response to this," said WeChat Pay Malaysia.
微信支付馬來西亞表示：“馬來西亞是一個充滿活力的市場。精通技術的馬來西亞人正在擁抱數字生活方式，爲了應對這種轉變，支付體驗必須發展演變。將微信支付帶到馬來西亞是我們對此的迴應。”
SY Lau, senior vice-president at Tencent, told Reuters in November when the company acquired a Malaysian epayment licence, that WeChat had 20 million users in the country, equivalent to almost two-thirds of the population.
騰訊於去年11月獲得了馬來西亞電子支付牌照。該公司高級執行副總裁劉勝義向路透社透露，微信在馬來西亞擁有2000萬用戶，相當於該國近三分之二的人口。
The potential for mobile payments is vast in Malaysia, where cash is still king but the number of mobile phones, mostly smartphones, outstrips a population of 32.1 million by more than 10 million, according to the central bank.
馬來西亞央行稱，該國的移動支付潛力巨大，在這個國家，目前現金仍是主要支付手段，但相比3210萬的總人口，手機（主要是智能手機）數量要高出1000萬以上。
But collaborations with local banks, of which WeChat has none, will be just as important for WeChat Pay to flourish there.
但是，要讓微信支付在馬來西亞蓬勃發展，與當地銀行的合作（目前微信沒有任何此類合作關係）將會同樣重要。
At home, it took Tencent and Ant Financial, Alibaba's electronic payments affiliate, years to build the links with hundreds of Chinese banks that make their services possible.
在中國，騰訊以及阿里巴巴的電子支付關聯公司螞蟻金服，花了多年時間與數百家國內銀行建立聯繫，這些聯繫使他們的服務成爲可能。
