金融科技初创公司Revolut本周有两个新特点。首先，该公司将推出一款面向普通用户的网络应用，而不仅仅是商业用户。其次，在英国，Revolut与Modulr合作，让你提前一天拿到工资。Revolut一直致力于开发移动应用程序。如果你有一个Revolut的商业账户，那么你就可以通过常规的web浏览器查看过去的交易并访问您的账户。但该公司的1300万客户无法通过电脑访问自己的账户。现在，每个人都可以登录Revolut的web应用程序，查看他们的交易历史和信用卡。从这个界面，你可以冻结和解除冻结借记卡和控制卡的功能。这款网络应用还支持通过银行转账、银行卡支付或Apple Pay(在Safari浏览器中)进行账户充值。默认情况下，Revolut发送一个推送通知，以便您可以授权web浏览器访问。但如果你的手机丢了，你也可以选择通过电子邮件接收安全码。你仍然需要使用手机应用程序来实现一些功能，但这只是一个开始。至于住在英国的用户，Revolut正加倍投资于它与Modulr的合作关系，以便提前一点给用户发工资。在英国，大多数人都是通过Bacs支付计划拿到工资的，这是为了优化支付基础设施，在长假期的周末到来之前，这可能特别有用。这也会直接给Revolut带来好处，因为许多用户除了拥有一个普通的银行帐户，已经在使用Revolut。增加一些能让用户更容易地放弃银行账户的功能可以提高公司的用户数量，这将帮助该公司增加其信用卡交换费、订阅收入和其他收入来源。
Fintech startup Revolut has two new features this week. First, the company is launching a web app for its regular users — not just business users. Second, in the U.K., Revolut has partnered with Modulr to let you receive your salary a day early.
Revolut has historically focused its efforts on its mobile app. If you have a business account with Revolut, you know that you can see your past transactions and access your account from a regular web browser. But the company’s 13 million customers couldn’t access their account from a computer.
Everyone can now head over to Revolut’s web app and sign in to view their transaction history and cards. From this interface, you can freeze and unfreeze a debit card and control card features. The web app also supports account top-ups using a bank transfer, a card payment or Apple Pay (in Safari).
By default, Revolut sends a push notification so that you can authorize web browser access. But if you’ve lost your phone, you can also choose to receive a security code via email.
You’ll still have to use the mobile app to access some features, but it’s a start.
As for users living in the U.K., Revolut is doubling down on its partnership with Modulr to send your salary a bit early. Salaries made over the Bacs payment scheme will arrive a day earlier than usual — most people are paid using this method in the U.K. This is all about optimizing payment infrastructure, and it could be particularly helpful before a long holiday weekend.
This should also benefit Revolut directly as many users have been using Revolut in addition to a regular bank account. Adding features that make it easier to ditch your bank account could boost the company’s usage numbers. And that could help the company grow its card interchange fees, subscription revenue and other sources of revenue.
