Stripe：立志做互联网支付领域的“谷歌”

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Co-founders John and Patrick Collison experienced this problem first hand as they built businesses online, and that’s really at the heart of why Stripe was born.

Stripe认为，不同行业和纵向比较领域与这一全球大背景冲突。如今不管是全球信息流通，还是个人、公司社交媒体平台交流都方便简单，但过去人们想要达到相同水平、无障碍汇款却困难重重。

We’ve geared ourselves to looking at that with payments as a starting point, but there are other inhibitors for businesses getting started beyond just tech and payments. We launched Atlas last year which is geared towards getting businesses started. The platform is about incorporating businesses as companies, getting a bank account set up seamlessly, giving access to the basic professional services such as the legal, tax, and accounting that they need to get started. Our technology takes care of this to not only help companies get started, but also accelerate the globalisation of the business.

Stripe全球市场增长情况

通常，Stripe会按照国际发展趋势，将目标市场牢牢锁定世界创新中心。

世界创新中心很少，主要有旧金山湾区、伦敦、最近势头强劲的新加坡、斯德哥尔摩、巴黎等。Stripe认为全球发展正值大好机会，并相信开发者也在改变这个世界。

所以Stripe认为，在线支付领域是互联网最后一个“谷歌”级难题，就像谷歌建立了公平公开的世界信息平台，脸书连接了全球社交活动，Stripe正在建立相似的全球金融基础平台，让人们在世界上任一地点都能够无缝转账汇款。

Stripe主要关注开发者、创业公司、金融科技社区，对大型组织尤其感兴趣。其目标不仅包括初次涉足在线电子商务的企业，也包括正在运用新产品进行改革、获取市场新渠道的成熟公司。ASOS Marketplace正是证明这一点的绝佳例证，它展示了一家成熟的零售商如何通过技术创造靠近新增市场消费人群的渠道。

“Typically how we think about international growth is to anchor ourselves around the world’s innovation hubs”

Stripe面临的主要问题有哪些？有哪些应对难题的方案？

对此Stripe方面表示，该公司取得成功面临的挑战主要不在Stripe公司本身，更多的是有关经济环境和技术环境。

We see this as a problem in design and code rather than finance. As a technology company, we’re determined to offer our platform to help companies build their businesses and give them seamless access to the world’s underlying financial infrastructure.

Stripe已经在英国运营了几年，英国也是该公司在美国以外最大的市场。英国市场上创业公司，尤其是金融科技公司高度集中，所以Stripe在英国的运营也是效果卓著。许多英国创新公司如Zopa和Monzo都在Stripe基础上建立起来，还产生了一些像Deliveroo这样遍及全球的外卖平台。这些成果正是Stripe在英国获得成功的良好驱动力。

Stripe is a US-based technology company that provides APIs and tools to enable businesses to accept and manage online payments. With investments from the likes of CapitalG, VISA and American Express, co-founders Patrick and John Collison have led the business to become one of the most innovative companies in the fintech industry.

How does Stripe think about other verticals to target in addition to fintech?

The core of what we’re doing as a company is to shift a great percentage of commerce to online. It’s bizarre that the internet has been around for 25 years, yet only 5% of global commerce is happening online.

Whilst our focus is primarily on developers, start-ups and the fintech community, increasingly what we’ve seen is interest from larger organisations. It’s either businesses that are taking a foray into online e-commerce for the first time, or established companies who are going through a process of re-inventing themselves with new products and channels to the market. ASOS Marketplace is a great example of how an established retailer is looking to technology to create a new channel to reach a new demographic in the market.

Stripe如何在支付行业脱颖而出？

Stripe的基本目标是为了提高互联网业的经济总值。该公司以加速支付业全球化为出发点，通过互联网和技术助力技术公司创业起步，并帮助它们在互联网业做大。

We’ve been operating in the UK for a few years and it’s our largest market outside of the US. We’ve had a particularly good run in the UK which is due to the strong concentration of start-ups in the market, especially in the fintech sector. There are incredibly innovative companies that are built on top of Stripe, such as Zopa and Monzo, and some that are on-demand platforms with global reach such as Deliveroo. These conditions have been particularly good drivers of our success in the UK.