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據報微信分付灰測「借款」功能 支援日常消費場景
阿思達克 08-13 12:34
《新浪科技》報道,微信分付近日悄悄上線「借款」功能,目前處於灰度測試中。據悉,分付是騰訊(00700.HK)在灰度測試的消費信貸產品,用戶能夠通過分付額度享受消費借款服務。目前分付正在小範圍試行借款服務升級,用戶可憑歷史大額交易記錄,借款至銀行卡用於微信支付外的消費用途,滿足用戶不同場景的需求。 微信分付的借款功能與交易掛鉤,需滿足三個條件,包括近30日、支付滿100元人民幣的交易;支付時未使用「分付」付款;通過系統綜合評估。自去年底向部分用戶開放微信分付以來,已支援吃飯及購物等日常消費場景,但暫不支持發紅包。 微信分付「借款」功能的利息按日計算,日利率為0.045%,與信用消費的利率一致,用戶可隨時還款,已還部分不再計息,每月最低還款一成即可繼續使用。 分析認為,是次灰度上線的「借款」功能令微信分付在功能上類似於融合「花唄」和「借唄」的產品,既支持支付時的即時借貸,又允許用戶基於歷史交易申請借款,資金可直接劃轉至銀行卡。
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