Überweisen statt posten: Wird Facebook bald zur Bank?

von | 2018-01-04T13:21:24+00:00 23.04.2014|Allgemein, Payment|Kommentare deaktiviert für Überweisen statt posten: Wird Facebook bald zur Bank?
Facebook will künftig ins Bankgeschäft einsteigen und seinen Mitgliedern die Möglichkeit von Geldüberweisungen einräumen, so ein Bericht der Financial Times unter Berufung auf Personen, die an diesem Umsetzungsprozess beteiligt sind. Die entsprechende Banklizenz soll Facebook in den kommenden Wochen von der irischen Notenbank erhalten. Sobald die Zulassung erteilt wurde, kann das soziale Netzwerk eigenes E-Geld, eine virtuelle Facebook-Währung, in der Europäischen Union ausgeben und so zum Zahlungsabwickler im Netz avancieren.

Facebook can only handle certain payments so far

If Facebook is granted the license as a provider of electronic bank services, members can also make transfers among themselves. So far, the company can only handle certain transactions. This allows users to buy and expand games. The corresponding payments to the game developers are managed by Facebook, for which the company levies a fee. However, it is not expected that Facebook will receive a full banking license. Rather, the admission will be restricted to the business with electronic money. However, this could also open up new fields of action in e-commerce.

Facebook is looking for new sources of revenue

The entry into the banking business is according to the newspaper report that Facebook would like to enter the market of emerging emerging markets. For example, guest workers could make payments to their home countries through the „Facebook bank“. The problem is, however, that the Irish license is expected to allow only transactions within Europe. The extent to which this can then be extended to other regions remains to be seen. As reported by the newspaper, negotiations are already underway on a possible partnership with three young money-transfer providers from London. If Facebook succeeds in the expansion of the payment business, new and not inconsiderable sources of revenue could emerge. So far, Facebook’s revenues have been predominantly generated by advertising.

The competition does not sleep

Another hurdle on the way to the „Facebook bank“ is that the competition is not exactly small. For example, Google has a bank license in the United Kingdom. The subsidiary of the US trading platform eBay, Paypal, could now establish itself as an alternative to bank transfers and credit cards on the Internet. Also the competition in China, such as the leading online department store Alibaba, does not sleep and is extremely active in this area.

von | 2018-01-04T13:21:24+00:00 23.04.2014|Allgemein, Payment|Kommentare deaktiviert für Überweisen statt posten: Wird Facebook bald zur Bank?

Über den Autor:

Holger Bosk

Holger Bosk ist CTO der Novalnet AG. Er verfügt über langjährige Erfahrungen im Payment-Sektor.