[Amazon (AMZN), PayPal(PYPL)]
實在很好奇這次疫情對Amazon還有PayPal造成了多大的影響, 所以順手做了些圖.
Amazon: 一個有著微笑曲線的季營收成長線圖......線上零售成長了40%. Oh my. 不過雲端AWS成長有稍微趨緩.
而Q1那時候, Amazon對Q2的財測是, "to grow between 18% and 28% compared with second quarter 2019." 結果成長了40%. 現在對Q3的財測是, to grow between 24% and 33% compared with third quarter 2019. 到時候會成長多少呢?
PayPal: 請直接看圖.
而從PayPal的資料中可看到, 跨境電商中, 成長最快速的幾個品項. 汽車零件(auto parts)竟然是其一. 挺有趣的. 不過很好奇原因. 是因為大家在家沒事做, 所以動手DIY來修車嗎?
Anyways. 很明顯可以看出來, 疫情讓他們都重啟了成長動能.
PayPal季報結果整理:
1. 這一季是PayPal五年前上市以來, 業績最好的一季.
2. 疫情加速了商家擁抱科技的進度, 也加速了數位支付的潮流. 這現象也因此加速了PayPal成為消費者日常生活不可缺的一項服務.
3. Travel and ticketing events down 60% or so-->這點跟Visa的季報結果有相呼應.
4. 將積極推廣QR碼的功能, 這也會加速Venmo的貨幣化(monetization)
5. 繼續有新使用者加入生態系統(特別是silver tech--銀髮族)
6. 高層看到各產業都有使用PayPal
7. 繼續擴大支付的範圍: 用PayPal的服務來付帳單, 付(串流影音)訂閱費用, 以及集點獎賞管理(rewards management). Our goal is to meaningfully expand the range of services provided inside our wallets.
8. Venmo業務: 本來著重在社交體驗的支付; 但使用率卻沒有因為疫情而減少—Venmo因為疫情而有了新的功能(如: 用Venmo來支付線上運動課程). 最近推出了business profiles, 從原本定位的P2P也可以有了PayPal的功能(消費者vs. 商家)
9. Honey業務: 在未來, Honey也可以幫助商家做促銷上的客製化. 在未來, Honey也會跟PayPal其他產品繼續做整合
10. 合作夥伴: 會繼續跟eBay合作; 這句話驗證了電商的發展: And if you look at the top 15 marketplaces that we serve today, Shopify being one of them; Etsy, for instance, being another, and you look at their growth rate, the growth rates of all 15 of those marketplaces we're quite close partners with approached 100% in Q2. 也將與電子賬單公司Paymentus完成介面上的整合(預計今年底.)
11. 拓展業務: 東南亞—跟Gojek合作(a leader in mobile commerce in Southeast Asia with 170 million users.) 巴西, 墨西哥—跟Mercado Pago, MercadoLibre合作. 中國—繼續跟UnionPay與其他公司合作. CEO: We're seeing explosive growth in Mexico, Japan, Brazil, really, frankly, across Western Europe, it's been amazing to see what's happened there. So we will invest continually in this business.
12. 目前的局勢對公司很有利, 所以會in-store(實體店面的交易上)繼續投資(…..”we're investing an incremental $300 million or so.) 也會在電子錢包的功能上做投資(We have an aspiration to be in every day use case and to be a central part of a customer's life in the digital economy.) 在接下來的幾季, 也會陸續推出好幾項功能與服務(in-store from QR, tap-to-pay cards, rewards capabilities.) By the way, rewards are being used much more because people aren't being able to use their rewards for travel. We're seeing an uptick in people using their rewards points to check out using PayPal. 總之, 就是會犧牲獲利來專注在公司長期的成長上(we're electing to invest much of our margin improvement to help ensure our long-term success.)
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