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《经济学人》读译参考 Day161

来源:网络整理 作者:华侨时报 发布时间:2017-11-12
摘要:TEXT 161 经济学人:非洲的资金流转 转账市场(2) Finance and Economics Mobile Money in Africa: Transfer market 财经 非洲的资金流转:

经济学人:非洲的资金流转 转账市场(2)

Finance and Economics Mobile Money in Africa: Transfer market

财经 非洲的资金流转:转账市场

《经济学人》读译参考 Day161

In central Lusaka, Misozi Mkandawire presides over an empire of kiosks.She started with Zoona while at college.Her profits can now reach 50,000 kwacha ($5,200) a month.That is exceptional.Last year the average agent made $548 in monthly commission, before costs.

译文

在卢萨卡中心,Misozi Mkandawire 管理一家大型售货亭。她在大学时就在Zoona开始做了。她的收益现在可达每月5万克瓦查(5200美元)。这是一个特例。去年平均每个代理在去除成本之前,每月的佣金只有548美元。

Globally, nearly half of mobile-money agents have not processed a transaction for a month; 97% of Zoona agents do so every day.The right location helps.Zoona puts its lime-green booths in canny places, like markets, bus stations and even a hospital.They are often flanked by booths for Airtel and MTN, two phone companies offering similar services.

译文

从全球范围来看,几乎有一半的移动货币代理商一个月内都达不成一个交易;但在Zoona每天都有97%的代理商达成交易。地利相助。Zoona 机智地把它石灰绿的货摊放在像市场,公交站,甚至医院这样的地方。他们货摊两侧还经常有Airtel a和 MTN这两家提供相似业务的电话公司的货摊。

Zoona is not the cheapest—the sender pays about 10% on small transactions—but competes on coverage and reliability: for example, ensuring its agents have enough float to cash large amounts.Last year Zoona raised $15m from investors.Its outlets now dot streets in Malawi and Mozambique, and it has plans for the Democratic Republic of Congo.Such “third-party” operators are also thriving elsewhere: Wari, in Senegal, is not just competing with phone companies, but buying one.In most places mobile giants and a few banks still dominate, but maybe not for ever.

译文

Zoona 并不是最便宜的—寄件人在一项小笔交易中要付10% 费用— 但是以其覆盖率和可信度取胜:比如,保证他的代理有充足的备用零钱来兑换大量现金。去年,Zoona 从投资者哪里筹到了1500万美元。它的经销店现在遍布马拉维和莫桑比克的街道,它还计划在刚果民主共和国开店。这种“第三方”经营公司也在各处大量发展:在塞内加尔的瓦里并不仅仅用电话公司竞争,还买了一家。大多数地方,电话巨头和银行仍然占主导,但是可能再也不会了。

注释

1.bus stations 公交站

例句:Airports, railway stations and long-distance bus stations are crowded with home returnees.

机场,火车站和长途汽车站挤满了回家的人们。

2.not for ever 不会永久

例句:I do not believe that it is not for ever, just once, so why should we believe?

我不相信,也不求天长地久,只求曾经拥有,为什么要相信呢?

3.small transactions 小额交易

例句:As a tool and channel of payment, Mobile phones can realize small payment transactions.

手机支付是以手机作为支付工具和渠道,同时手机可以实现小额支付交易。

4.competing with 与...竞争

例句:Mike's company is competing with mine for the market share.

麦克的公司正在和我公司竞争市场份额。

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