p**f
发帖数: 3549 | 1 https://www.goabra.com/
这种startup一般会找几家媒体写软文，这不，在cnn money逮到一只。Idea太搞了。
Your bank account: The next thing to go obsolete
It might finally be time to break up with your bank.
Not only is banking not for everyone, accounts are inaccessible to about
half of the world. People are too poor, live too far from a bank or don't
have the required documentation. Abra, a new startup, makes banking more
accessible while completely cutting out the actual bank.
With Abra, all of your banking lives on your phone. You can withdraw funds,
deposit cash and send money using the app. There are no ATMs and no bank
branches. (The service is different from recent innovations like Simple,
Venmo, PayPal and Chase Pay because those all require bank accounts.)
The idea is that all banking should be as easy as sending a text message.
"In a hyper-connected world, it is astounding to me that you can't pick up
the phone and instantly send money to any other phone number in the world,"
said Abra founder Bill Barhydt, a former software engineer for Goldman Sachs
based in San Francisco. He presented his company last week at the
Exponential Finance conference in New York.
Related: What the future of crime looks like
"Traditional banking is really good at serving the global 5% to 10% of
consumers who reach a certain income level," Barhydt said. "The reality is,
the majority of the planet is a cash-based economy and banking doesn't work
for those people."
Here's how Abra works: Say you need $100 in cash. To get it, you would open
the app and find a bank teller near you using your phone's GPS. Bank tellers
can be regular people, as well as businesses like convenience stores. If it
's a person, they've had a background check through Abra. (The system is
similar to how Uber vets drivers.)
Once you find a teller, you would meet somewhere convenient to both of you.
Each person then gets a QR code, which one person scans to validate the
transaction. Once validated, the teller would give you $100.
A deposit works the same way, just in reverse.
Except, unlike your friend, the teller makes money by charging a fee, which
can be any amount they choose. (Abra recommends they charge around 1.5%,
depending on location and convenience.)
Abra charges .25% per transaction, which is the company's only involvement
in the actual exchange of currency.
Related: Google engineer: Humans will be hybrids by 2030
Abra is just as anonymous as cash. Other than a phone number, no data is
collected. (Unless you're a teller.)
Abra is currently in beta, but is launching in the U.S. and the Philippines
in a few weeks. Barhydt said the company has signed up tens of thousands of
tellers in those countries, and it will be available around the world in the
next year.
Barhydt's only advice for those who sign up with Abra?
"Don't lose your phone."
CNNMoney (New York) June 9, 2015: 11:04 AM ET | f***r
发帖数: 2916 | 2 就是利用加息前最后疯狂一下
,
【在 p**f 的大作中提到】
: https://www.goabra.com/
: 这种startup一般会找几家媒体写软文，这不，在cnn money逮到一只。Idea太搞了。
: Your bank account: The next thing to go obsolete
: It might finally be time to break up with your bank.
: Not only is banking not for everyone, accounts are inaccessible to about
: half of the world. People are too poor, live too far from a bank or don't
: have the required documentation. Abra, a new startup, makes banking more
: accessible while completely cutting out the actual bank.
: With Abra, all of your banking lives on your phone. You can withdraw funds,
: deposit cash and send money using the app. There are no ATMs and no bank
| c******g
发帖数: 10 | | s**x
发帖数: 7506 | 4 还是不要嘲笑别人的idea 比较好。我们有资格吗？国内几乎毎家 IT 公司都是copy 别
人的。 | h*******s
发帖数: 8454 | 5 how to deposit cash with an app?
,
【在 p**f 的大作中提到】
: https://www.goabra.com/
: 这种startup一般会找几家媒体写软文，这不，在cnn money逮到一只。Idea太搞了。
: Your bank account: The next thing to go obsolete
: It might finally be time to break up with your bank.
: Not only is banking not for everyone, accounts are inaccessible to about
: half of the world. People are too poor, live too far from a bank or don't
: have the required documentation. Abra, a new startup, makes banking more
: accessible while completely cutting out the actual bank.
: With Abra, all of your banking lives on your phone. You can withdraw funds,
: deposit cash and send money using the app. There are no ATMs and no bank
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