年均增长50% 四年3起并购 Fintech明星股Novatti全球业务生态初成 如何延续高成长逻辑?
<div class="top_con"><p id="nrxqing"><p></p><p style="text-align: right;">——专访澳交所上市公司Novatti集团(ASX:NOV)CEO彼得·库克(Peter Cook)先生</p><p></p><p>导读:</p><p></p><p>企业只有走向数字化才能生存、创造利润并增长,其付款方式也必然要经历数字化。数字化变革正在颠覆包括“支付”在内的金融服务方式。现金付款几乎成为历史,但显然许多企业还没有足够的能力或知识获取现代化的支付服务。</p><p></p><p>澳交所上市金融科技公司Novatti(ASX:NOV)提供的解决方案能够使企业无论在何地都可从任意设备端进行收付款交易。过去四年,Novatti营收以每年50%的速度保持增长,且增长势头依然强劲。它对于并购有着强烈“胃口”,四年之间完成了3起收购交易。</p><p></p><p>基于澳洲、新西兰、加拿大和欧洲的金融服务牌照,这家公司的全球“朋友圈”不断扩大,已成为支付宝、微信支付、银联支付、Visa和万事达卡的首要合作伙伴,Chinapayments业务更是开创了中国居民跨境账单支付的先河。</p><p></p><p>作为澳洲金融科技行业领先公司,Novatti增长驱动力源自哪里?它是如何进行差异化发展,核心竞争优势是否可持续?不断扩大的全球“朋友圈”和激进并购的背后,公司有着怎样的扩张逻辑?作为率先关注中国移民人士跨境支付需求的公司,对于这一细分市场有怎样的展望和研判?对于关注其增长前景的市场投资者而言,Novatti下阶段的业绩支撑点和爆发点又有哪些?</p><p></p><p>带着上述问题,ACB News高管访谈栏目于近期视频采访了Novatti集团CEO彼得·库克(Peter Cook)先生,以下为本次访谈的文字实录:</p><p></p><p style="text-align: center;"> <br><br>http://xghaiwai.oss-cn-hongkong.aliyuncs.com/uploadfile/2022/0407/1649298135149022.png<br></p><p style="text-align: center;">Peter Cook在线接受本网采访(图片来源:ACB News)</p><p></p><p>Q1: ACB News:Today we are very pleased to have Peter Cook,the CEO of Novatti Group (ASX Code: NOV) to join us. Welcome Peter. We know that you have over 25 years experience as a director and executive with multiple companies. Could you please introduce more about yourself to our readers?</p><p></p><p>ACB News 澳华财经在线:今天我们很高兴请到彼得·库克,Novatti集团(ASX澳交所代码NOV)的首席执行官接受采访。欢迎做客ACB News澳华财经在线。我们知道您有超过25年担任公司高管的经验,曾任职多家公司,请向我们澳华财经在线的读者介绍下您的背景。</p><p></p><p>Peter Cook: Hello, ACB News readers. My background is in building businesses both in australia and overseas where it's really been at the interface of new technologies and building customer bases. So my background was really in telecommunications businesses and then for the last 10 to 12 years in financial services businesses where we bring new technologies to market and enable consumers to improve their lives by the advent of new new technology. So you know, in an earlier time I was a pioneer in prepaid mobile telephone and then more recently in financial services with new sorts of digital wallets issuing and acquiring businesses and things like that. All of which is being done under Novatti group limited which is a ASX listed company.</p><p></p><p>彼得·库克:澳华财经在线的读者朋友们,你们好。我在澳大利亚以及海外的业务发展方面具有丰富经验,特别是在新技术应用层面和建立客户基础方面。具体而言,我的职业生涯其实始于电子通讯行业。然后在过去10到12年里转向金融服务业务,我们向市场推出新技术,并促使消费者通过新技术来改善他们的生活。早年我是预付费移动电话行业的开拓者,近些年我开始立足金融服务领域,专注于新型数字钱包发行和收单业务等,这些业务都是通过澳交所上市公司Novatti集团进行的。</p><p></p><p>Q2: ACB News:Can you please tell us more about Novatti's business ? What are Novatti's revenue streams? </p><p></p><p>ACB News 澳华财经在线:您能告诉我们有关Novatti集团的更多信息吗?Novatti的收入来源是什么?</p><p></p><p>Peter Cook: So Novatti is a business-to-business payment service provider. And by that I mean that we have built an ecosystem, a lot of infrastructure, that enables us to provide payment services for other banks and financial services companies or foreign businesses and merchants. So when we talk about an ecosystem in payments, we talked about licenses technology and commercial partnerships. So, for instance Novatti has licenses in Australia and a number of other countries granted by regulators. We also have licenses from visa and MasterCard, from China Unionpay, Alipay, WeChat pay and other companies that enable us to operate certain businesses. We've got a lot of fintech technology and then, of course we've got commercial operations teams in Australia, Europe and Asia that enable us to run our business.</p><p></p><p>彼得·库克:Novatti集团是一家企业对企业(B2B)支付服务提供商。我们已经建立了一个包含有大量基础设施的生态系统,这使得我们能够向其他银行以及金融服务公司,或外国企业和海外商户提供支付服务。当我们谈到支付行业生态系统时,我们讨论的是相关的牌照技术和商业合作伙伴关系。比如说Novatti在澳大利亚和其他一些国家拥有监管机构批准下发的牌照,我们也有Visa和万事达卡的许可证,有来自中国银联、支付宝微信支付等公司的许可证,这使我们能够合规经营相关业务。我们有很多金融科技方面的技术,当然,我们在澳大利亚、欧洲和亚洲都有商业运营团队,从而能够更好地经营我们的业务。</p><p></p><p>Q3: ACB News:Let us talk about Novatti's competitive advantages and current situation. How does Novatti differentiate itself from other industry players. </p><p></p><p>ACB News 澳华财经在线:我们来谈谈Novatti集团的竞争优势和目前公司的运营情况。Novatti 和同行业公司相比有什么不同之处?</p><p></p><p>Peter Cook: We see that the single most important thing if you're offering financial services is to have relevant regulatory licenses. So everything we do is based around licenses. We see that as the core bit of infrastructure and as I said before we've got licenses in Australia and a number of overseas countries and in fact applying for more licenses all the time. So a true competitive advantage is having licenses which take a long time to get and not every company can get them. And then on those licenses, we have partnerships with AliPay, Wechat Pay, ChinaUnionpay, Ripple, Stella, Visa, Mastercard, many many global companies. So by having the licenses the partnerships and technology, we can build a sustainable competitive advantage.</p><p></p><p>彼得·库克:对我们来讲最重要的一件事是,如果你提供的是金融服务,就要有相关的监管许可证和牌照。所以我们所做的一切都是围绕许可证的审批许可,我们将其视为公司基础设施的核心部分。正如我之前所说的,我们在澳大利亚和另外一些海外国家都有牌照,我们也一直在申请更多许可证。所以对于行业来讲真正的竞争优势在于是否有牌照,而牌照需要很长时间才能拿到,并且并不是每家公司都能申请到,然后在牌照的基础上,我们形成各种合作伙伴关系,包括与支付宝、微信支付、中国银联、Ripple、Stella、Visa卡,万事达卡以及很多全球性公司。因此,通过拥有牌照、合作伙伴关系和技术,我们在建立一个可持续的竞争优势。</p><p></p><p>Q4: ACB News:As you mentioned before Novatti has partnership with Wechat,Alipay and Novatti established ChinaPayments in 2018 which provides Chinese residents with a solution for Australian bills payments. How's the business going now?</p><p></p><p>Q: ACB News 澳华财经在线:正如您之前提到的,Novatti与支付宝、微信具有合作伙伴关系,并且Novatti在2018年建立了中国业务支付系统ChinaPayments,让中国居民能够支付澳大利亚的账单,这块业务现在运营的怎么样?</p><p></p><p>Peter Cook: That has been a really great innovation. So it actually started off from one of our Chinese staff members who suggested this business idea. What we've enabled is Chinese consumers whether they're in China or in Australia who've got WeChatpay Alipay or Unionpay, they can pay Australian bills or you know, telephone bills, utility bills and other consumption services directly from their wallets in China. So this is allowed. It's nearly a first in the world as far as we understand. This innovation makes it simple and easy and very cost effective for Chinese consumers to use their Chinese wallets to pay bills in Australia. </p><p></p><p>彼得·库克:这是一项伟大的创新。它实际上来自于我们的一名中国工作人员,他提出了这个商业想法。通过ChinaPayments,我们让中国消费者,不管他们是在中国还是在澳大利亚,只要能够使用微信支付、支付宝或银联,就可以直接支付澳大利亚的账单,或者支付澳洲的电话费、水电费以及其他消费服务,费用将直接从在他们在中国的钱包中扣除,从我们掌握的信息来看这项创新几乎是世界首创,而且对中国消费者来说在澳大利亚用他们的中国钱包付账,能让支付变得简单和容易并且非常划算。</p><p></p><p>Q5: ACB News:Can Chinese parents pay the tuition fee via ChinaPayments?</p><p></p><p>ACB News 澳华财经在线:中国家长可以通过ChinaPayments支付学费吗?</p><p></p><p>Peter Cook: They can. And in fact, we see that many Chinese students or their parents are paying university and school fees in Australia. They're also paying rent on apartments. They're paying other service fees. That might be telephone bills. It might be their electricity or water bills. All of those can be paid with ChinaPayments. That's very convenient.</p><p></p><p>彼得·库克:可以。事实上,我们看到很多中国学生或者他们的父母需要支付澳大利亚的大学和学校学费,他们也支付公寓租金以及其他服务费用,可能包括电话费,或者是电费或水费。所有这些都可以用ChinaPayments支付,非常方便。</p><p></p><p>Q6: ACB News:So what's your vision for ChinaPayments after 5 years?</p><p></p><p>ACB News 澳华财经在线:你对5年后的ChinaPayments有什么样的期待?</p><p></p><p>Peter Cook: So at the moment we've been growing the business at about 100 percent year-on-year We have very, very strong support from Alipay, WeChat pay and Unionpay because they see that it's a great way to bring a service to the their customers. So if we create growing that at between 50 and 100 percent year-on-year, that could be doing a billion dollars of gross transaction value, really helping between China and Australia for Chinese residents who have got properties or students or bills to pay in Australia. </p><p></p><p>彼得·库克:目前我们一直在扩大业务,与去年同期相比增长率约为100%,我们得到了支付宝、微信支付和银联支付的强有力支持,因为他们发现这是一个可以为他们的客户提供服务的很好的方式。因此,如果我们能够保持每年50%到100%的同比增长,届时可能会带来多达10亿澳元的总交易额,而且能够真正帮助往返于中澳之间在澳拥有房产、在澳留学、或有任何澳洲账单支付需求的中国居民。</p><p></p><p>Q7: ACB News:In the first half financial year 2022, Novatti has achieved a high growth, fifty-one percent increase in sales revenue to 11.1 million. Which sector contributes the most revenue? </p><p></p><p>ACB News 澳华财经在线:2022财年的上半年,Novatti实现了高速增长,销售收入增长51%,达到1110万澳元。哪个业务部门对收入的贡献最大?</p><p></p><p>Peter Cook: So our total growth rate has been growing at about 50 percent per year for about four years in a row, and at a strategic level we aim to at least keep that growth rate going. Interestingly, in our core business of what we call financial transaction processing, we've actually been growing at about 100 percent per year. So the growth rate is slightly slowed down by having some historic technology businesses that have slow growth rates. But actually if we keep growing at 50 percent per year, we will become a very large company and of course, go through the profit barrier in the next year or so.</p><p></p><p>彼得·库克:我们的总增长率连续四年都在以每年约50%的速度增长。在战略层面,我们的目标是至少保持这样的增长速度。值得注意的是,在我们称为金融交易处理的核心业务中,我们一直在以每年大约100%的速度增长。总体增长速度有所减缓是因为我们有一些历史悠久的技术部门,它们的增长速度较慢。但实际上,如果我们保持每年50%的增长,将会成为一家非常大的公司。当然,接下来的一年左右,我们先要通过盈利关卡。</p><p></p><p>Q8: ACB News:What do you think was the most important thing Novatti has done in the first half year?</p><p></p><p>ACB News 澳华财经在线:你认为上半年Novatti做过的最重要的事情是什么?</p><p></p><p>Peter Cook: So the most important thing is we've launched what's called an acquiring business, which is where we enable merchants to take payments from consumers with Visa card, MasterCard, and Unionpay and that will be, I would say, in two years time, that may well be the largest part of our business. So we've launched that and then what's called our issuing business has also doubled in size. So we're bringing more and more services to market, and you can see the growth rate really escalating. The other thing is in the first half of last financial year which finished in December, is we bought a company in Malaysia called ATX, and so that's our first overseas acquisition and then ATX will increase our growth rate as well And in fact, just talking about overseas, we've also now got a significant team operating in Europe and we've also deployed a team in the USA selling our billing service called Emersion.</p><p></p><p>彼得·库克:最重要的是,我们已经启动了收单业务,我们可以让商家接受使用VISA卡、万事达卡、银联的消费者付款。再过两年时间,这很有可能成为我们最大一块业务。我们推出了收单业务,然后我们的发行业务规模也翻了一番。所以我们正在将更多的服务推向市场,你可以看到增长率确实在不断攀升。另一件事是,在去年12月结束的前半财年,我们在马来西亚收购了一家名为ATX的公司,这是我们第一次进行海外收购,ATX也将促进我们进一步增长。事实上,谈到海外业务,我们现在也有一支重要的团队在欧洲运营,我们还在美国部署了一个小组,销售我们的帐单服务,叫做Emersion。</p><p></p><p>Q9: ACB News:So Novatti now has teams in Australia Asia, Europe and the US. As you mentioned, Novatti now has branches in different countries and areas. So let us talk about the partnerships and expansion plan.</p><p></p><p>ACB News 澳华财经在线:Novatti的团队分布在澳大利亚、亚洲、欧洲和美国,就像你提到的,Novatti的团队分布在不同国家和地区,那么我们来谈谈Novatti的商务合作伙伴关系和拓展计划。</p><p></p><p>Peter Cook: Merge & acquisition and strategic investments are quite common within the fintech industry. Novatti has a lot of acquisition activities as well. Last June, Novatti announced acquisition of strategic stake in Reckon Limited (ASX:RKN). now Novatti has successfully acquired a 19.9% interest in Reckon.</p><p></p><p>彼得·库克:并购与战略投资在金融科技行业是十分普遍的现象,Novatti也有很多收购活动。去年6月,Novatti宣布战略性收购澳交所上市公司Reckon (ASX:RKN)部分股权,Novatti现在已拥有该公司19.9%的股权。</p><p></p><p>Q10: ACB News:What are the reasons behind those acquisition?How does Novatti benefit from Reckon’s accounting software business?</p><p></p><p>ACB News 澳华财经在线:这些收购背后的原因是什么?Novatti如何从Reckon的会计软件业务中获益?</p><p></p><p>Peter Cook: Yes, so just quickly. Reckon provides accounting software. As a SAAS (software as a service) business, they have about 100,000 customers and Novatti team now owns 19.9%. So we are their largest shareholder. The reason that we have invested in the company is that we can offer payment services to their one hundred thousand customers. And we are well progressed with launching services to those hundreds thousand customers. So over the next three or four years we would hope to be able to provide payment services to many of those customers. You can take a view that we now have a large addressable market of 100,000 plus customers that we can offer Novatti's payment services to. The other thing, which is very good is, the Reckon is a very profitable company and we receive at the moment over a million dollars a year in dividends just by being an investor in that company. It's a very good investment.</p><p></p><p>彼得·库克:是的,简单地说,Reckon提供会计软件。作为SaaS (软件即服务)企业,他们有大约10万名顾客,而Novatti现在拥有其19.9%股权,是他们的最大股东。我们投资这家公司后,就可以向他们多达10万名的客户提供支付服务。现在我们正在向这些客户推出服务,进展很顺利。接下来的三四年里,我们希望能够服务于其中的许多客户。这样来看,等于我们拥有一个10万多人的巨大潜在市场,可以提供Novatti支付服务。另外,Reckon是一家盈利非常好的公司,仅作为公司的投资者,我们目前每年可收到100多万澳元的股息。这是一项非常好的投资。</p><p></p><p>Q11: ACB News:From your perspective, what future we may see in global B2B payments ecosystem? How do you see the future opportunities?</p><p></p><p>ACB News 澳华财经在线:在你看来,全球的B2B支付生态系统的未来是怎样的?您如何看待未来的机遇?</p><p></p><p>Peter Cook: In future B2B payments, we see a lot will be based around blockchain networks and a drive for greater integration between countries and businesses between countries. So, for instance, between Australia and China, there is a lot of trade, and we see that the trade will continue to grow. people want to be able to pay. Each business wants to be able to pay the other business efficiently. Novatti is the method of dealing. Looking at this innovation in the future is that we're very involved in a number of blockchain strategies and in fact we will be deploying a stable coin which could work, for instance, with the China Central Bank digital currency. So we'll be deploying stable coin services. We’re also doing other modern payment services and trying to work very closely with Chinese payment companies. And, of course we're already doing with Unionpay, Alipay and WeChat Pay.</p><p></p><p>彼得·库克:在未来的B2B支付中,我们将看到很多创新都会建立在区块链网络上,并且,在不同国家之间,或者是不同国家的企业之间会产生更大程度的一体化。举个例子,澳大利亚和中国之间有大量贸易往来,我们认为这种贸易将继续增长,人们希望能够更高效快速地进行支付,企业希望能够高效快速地支付其他企业,而Novatti致力于为此提供解决方案。着眼未来创新需求,我们深度参与了多个区块链战略。事实上,我们将部署区块链中的稳定币,未来会应用于,比如和中国央行数字货币的合作上。所以我们将部署稳定币服务,我们也在做其他现代支付服务,并试图与中国支付公司建立密切的合作关系。当然,我们已经和银联、支付宝和微信支付建立了良好关系。</p><p></p><p>Q12: ACB News:Can you please introduce more information about the ecosystem that Novatti is building? Could you describe it in different aspects, like technology, license, partnership and Novatti's team?</p><p></p><p>ACB News 澳华财经在线:您能再多谈谈Novatti正在建立的支付生态系统吗?能从不同方面谈谈吗,比如技术、许可证、合作关系以及Novatti的团队?</p><p></p><p>Peter Cook: Okay, so just going back to how we think about infrastructure. If you're a manufacturing company you think about infrastructure as the assembly lines to all of the equipment you need to manufacture. As a payments company, infrastructure is about your ability to work with other payments companies and banks and the customers that are going to use your service. So as I've said earlier that the first part of how we think about infrastructure is being licensed, then we build a lot of technology. We've got a number of very modern innovative technology platforms. And then, of course we use our status as a public-listed company with licenses to get agreements with companies such as WeChat Pay, Alipay, Unionpay and others. So Novatti is now one of the major companies in Australia with global partnership. So with these global partnerships there are companies that want to do business. We have the right licenses and technology and then we can service those companies with our infrastructure.</p><p></p><p>彼得·库克:我们是这样看待基础设施建设的,如果你是一家制造业公司,基础设施指的是你制造各种设备的生产线。作为一家支付公司,基础设施是你与其他支付公司、银行合作的能力,以及将使用公司服务的客户。所以就像我之前所说,我们建设基础设施的第一步是获得相关许可证,然后我们要开发大量的新技术。我们有许多非常现代化的创新技术平台,另外,由于我们是具有支付服务许可证的上市公司,凭借该优势我们与不同公司建立合作,比如同微信支付、支付宝、银联的合作。Novatti 现在是澳大利亚拥有全球合作伙伴关系的大型公司之一。有了这些全球合作伙伴关系,面对需要开展业务进行交易的公司,我们能够提供合规的许可证和技术,通过我们的支付系统为这些公司提供服务。</p><p></p><p>Q13: ACB News:Thank you. Let us talk about the future vision because when we invest in a company we invest in the future of the company. Novatti aimed at creating Australia’s leading migrant bank in 2019. Three years later, is this still the goal for Novatti?</p><p></p><p>ACB News 澳华财经在线:谢谢。我们来谈谈Novatti的未来。当我们讨论投资一家公司的时候,我们投资的是一家公司的未来。2019年,Novatti的目标是成为澳大利亚领先的服务于移民人士的银行。三年过去了,这还是Novatti想要实现的目标吗?</p><p></p><p>Peter Cook: So a few things there. Let's just look at Novatti and the payments business. We've been growing at about 50% per annual and we should become cash flow positive in about a year to 18 months time. That is the plan and become a very large payments company with a global footprint which we've already discussed. We've also applied for a bank license in Australia, and we think,we are very close to being issued that bank license. With the bank license, our business plan is about providing services for migrants and businesses and people that are coming to Australia or potentially have relationships in Australia. And maybe they're in another country, but we'll be using our Australian bank license to provide banking services for people that have relationships with Australia. So it'll be a digital bank. It'll be very innovative and it'll be focused on servicing, for instance, people from China who have got relatives or businesses in Australia, or want to come to Australia. Novatti’s banking business remains at the final stage to get approval. </p><p></p><p>彼得·库克:这有几个方面,先来看下Novatti及支付业务的发展情况。我们的收入每年以50%的速度增长,大概会在1年或者1年半的时间内实现正向营业现金流,这是我们的计划,并且未来还要发展成为一家足迹遍布全球的大型支付公司。正如之前讨论的,我们还在澳大利亚申请了银行牌照,我们认为Novatti将会很快拿到银行牌照。有了银行牌照,我们的商业计划是服务于本地移民和企业,以及即将来到澳大利亚或在澳大利亚有潜在商务、家庭关系的人士。他们或许身在其他国家,但我们将使用我们在澳大利亚的银行牌照为与澳洲有关系的人提供各类银行服务。我们将会成为一家具有创新意义的数字银行,并把专注于服务重点客户,例如,在澳大利亚有家人或贸易往来的中国人,或者想到澳大利亚来的中国人。Novatti的银行业务现已进行到审批的最后一步。</p><p></p><p>Q14: ACB News:If Novatti gets banking license this year, what does it mean for Novatti?</p><p></p><p>ACB News 澳华财经在线:如果Novatti能在今年拿到银行牌照,对Novatti来讲意味着什么?</p><p></p><p>Peter Cook: If we get the banking license this year, which I think is highly likely, then it will first of all, I think it'll mean in the share market sense, the company will be, new investors will look at the company and take a very positive view on the company, because we've done a very difficult thing as a public listed company. We're bringing in gaining one of these bank licenses. It will also allow us to deploy new services and bring on many new customers to use our banking services. And, of course the bank will become a very profitable business within two or three years itself as well.</p><p></p><p>彼得·库克:我们有很大的可能会在今年拿到银行牌照。如果今年取得银行牌照,首先从股市的角度讲,新的投资者会注意到Novatti这家公司,并对公司前景持非常积极的看法。因为作为一家上市公司,我们完成了一件极其困难的事。我们即将获得一张这样的银行牌照,它将允许我们拓展新的服务,吸引更多新客户使用我们的银行服务。当然,银行服务本身也会在两三年内成为一项极具盈利能力的业务。</p><p></p><p>Q15: ACB News:Let us go back to talk about partnerships more. As Novatti is getting banking license soon, Novatti formed partnerships with global payments leaders. What do those partnership mean for Novatti? How can Novatti leverage its ecosystem and generate revenue from its partnerships?</p><p></p><p>ACB News 澳华财经在线:我们再来谈谈Novatti的合作伙伴关系。Novatti即将获得银行牌照,并且已经与全球多家支付公司建立了合作伙伴关系。这些合作伙伴关系对Novatti意味着什么?Novatti是如何从这些合作伙伴关系中获得收入的?又是如何将旗下支付生态系统效益最优化?</p><p></p><p>Peter Cook: So the global partnerships, in the end mean that you're nearly an important player in the payments ecosystem. Let me give you an example, Novatti has a regulatory license in New Zealand to be an issuer to issue cards. We have a partnership with Visa in New Zealand and then Afterpay, the buy now pay later company, wants to issue virtual Visa cards in New Zealand, so Afterpay contracted with Novatti to do that issuing for them. So essentially the partnership, the license in New Zealand plus the global partnership with Visa brought us a major company,such as Afterpay to be a client in New Zealand. At the same time, in Australia we have a partnership with Ripple, the blockchain company, and because of that partnership, we've been able to get partnerships with companies in a number of Asian countries, who want to work with Ripple and then Novatti as a result. So the global partnerships in the end, bring business to us. </p><p></p><p>彼得·库克:建立全球合作伙伴关系,意味着你是整个支付生态系统中重要的一员。举个例子,Novatti拥有在新西兰发行卡片的监管许可证,我们在新西兰与Visa有合作关系。Afterpay,这家BNPL公司希望在新西兰发行虚拟Visa卡,所以Afterpay和Novatti签署合同,我们为他们发行卡片。本质上讲,这些合作伙伴关系,比如新西兰的发行许可证加上与Visa的全球合作伙伴关系给我们带来了大客户,比如AfterPay就成为了我们新西兰业务的客户。与此同时,在澳大利亚,我们与区块链公司Ripple建立了合作关系,因为这层伙伴关系,我们与许多亚洲国家的公司成为了合作伙伴,他们乐意与Ripple和Novatti建立合作。因此,全球合作伙伴关系,最终能为我们带来更多业务。</p><p></p><p>Q16: ACB News:Thank you, Peter. From your personal perspective, Can you tell us a brief picture of Novatti in five years?</p><p></p><p>ACB News 澳华财经在线:谢谢你,彼得。从个人角度来看,你希望5年之后Novatti会成为怎样的公司?</p><p></p><p>Peter Cook: In five years time, I would hope that Novatti is a multi-billion dollar company with extensive operational footprint around the world and that we are one of the major payment companies in the world. </p><p>彼得·库克:五年后,我希望Novatti成为一家市值数十亿澳元的公司,经营足迹遍布全球,并且我们将成为世界上最大的支付公司之一。</p><p></p><p>ACB News:We are looking forward to seeing that. This is end of this interview. Thank you so much for your time today, Peter.</p><p></p><p>ACB News 澳华财经在线:我们期待着看到这一点。这次采访到此结束。Peter,非常感谢您抽出时间来接受采访。</p><p></p><p>Peter Cook: Thank you</p><p></p><p>彼得·库克:谢谢你。</p><p></p><p>【小编贴士:】手机端阅读时,点击文章页面左上Logo即可返回首页阅读。祝读者朋友天天健康、开心!工作投资顺利。</p><p></p><p>免责声明:本文为财经观察评论,不构成任何投资建议,交易操作或投资决定请询问专业人士。</p><p></p><p>( 郑重声明:ACB News《澳华财经在线》对标注为原创的文章保留全部著作权限,任何形式转载请标注出处。)</p></p>
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