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Visa(V.US)夥機管局及上商試行智慧營運資金方案
阿思達克 08-05 15:20
Visa(V.US)與香港機場管理局、上海商業銀行試行業界首個先導計劃,引入以實時貨運數據爲核心的「創新智慧支付系統」,消除傳統貿易融資中繁瑣的人工處理延誤,提升中小型貨運代理商的營運效率、安全性及現金流管理,革新中小型貨運代理商間企業對企業(B2B)支付流程,而首宗交易已於香港國際機場順利完成。 VISA表示,該計劃集中支援貨運聯載(Co-loading),即彙集多個貨運代理商合作並貨集運,以優化成本和航空公司運力的商業模式。透過推出由公司卡支援的營運資金解決方案,再根據已驗證貨運數據,覈實預授權並進行實時交易,可解決如延誤付款、欺詐風險及人工對賬等行業痛點,同時提升航空貨運業中小企營運效率、安全性及現金流管理。 據介紹,全新支付系統以可靠及防篡改數據源爲每筆交易提供擔保,減免潛在退款風險,對涉及多方複雜合作模式尤爲關鍵。 Visa香港及澳門區董事總經理樑普寧表示,正透過與夥伴攜手合作,將已驗證貨運數據與資金流掛鉤,協助中小企簡化對賬程序,提升資金流動性及現金流管理。 上海商業銀行副行政總裁兼零售及數碼策略總監馮鈺龍表示,運用實時貨運數據,確認貨運交付,由銀行進行預授權付款,有效減除付款過程不確定性以保障雙方利益並降低跨境貿易糾紛風險。買方可獲長達56天免付款期;賣方可大幅縮短應收賬款週轉時間。
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