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Winteriness

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- WinterinessWinteriness
  ·2021-08-13
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- WinterinessWinteriness
  ·2021-06-27
  Nio
  Ford Or NIO? The Final Verdict
  I am comparing Ford against NIO in different categories.The comparison is intended to improve the understanding of Ford's and NIO's growth potential while highlighting differences in market position and opportunities.NIO is growing a lot faster than Ford and the high valuation may be justified.With Ford launching a major offensive in the market for electric vehicles, Chinese EV maker NIO will face one more rival competing for sales in the future. Which vehicle maker offers the best deal based
  Ford Or NIO? The Final Verdict
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- WinterinessWinteriness
  ·2021-06-18
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  This Under-the-Radar Payments Company Could Be a Great Investment
  While many investors chase new, highflying entrants to the financial services sector, this 46-year-old SaaS payments company might represent excellent value.
  This Under-the-Radar Payments Company Could Be a Great Investment
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- WinterinessWinteriness
  ·2021-05-26
  Comment and like pls!
  Apple Is Looking for Crypto Experience in ‘Alternative Payments’ Job Post
  Apple is looking to hire a business development manager with experience in the cryptocurrency indust
  Apple Is Looking for Crypto Experience in ‘Alternative Payments’ Job Post
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The Final Verdict","url":"https://stock-news.laohu8.com/highlight/detail?id=1137119316","media":"seekingalpha","summary":"I am comparing Ford against NIO in different categories.The comparison is intended to improve the understanding of Ford's and NIO's growth potential while highlighting differences in market position and opportunities.NIO is growing a lot faster than Ford and the high valuation may be justified.With Ford  launching a major offensive in the market for electric vehicles, Chinese EV maker NIO  will face one more rival competing for sales in the future. Which vehicle maker offers the best deal based ","content":"<p><b>Summary</b></p>\n<ul>\n <li>I am comparing Ford against NIO in different categories.</li>\n <li>The comparison is intended to improve the understanding of Ford's and NIO's growth potential while highlighting differences in market position and opportunities.</li>\n <li>NIO is growing a lot faster than Ford and the high valuation may be justified.</li>\n</ul>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/5033fa117d7852799244b8275bc1000f\" tg-width=\"1536\" tg-height=\"886\"><span>peterschreiber.media/iStock via Getty Images</span></p>\n<p>With Ford (F) launching a major offensive in the market for electric vehicles, Chinese EV maker NIO (NIO) will face one more rival competing for sales in the future. Which vehicle maker offers the best deal based on market opportunity, scale, revenue model, growth prospects and valuation? I will compare Ford against NIO in each category and issue a final verdict at the end.</p>\n<p><b>Ford vs. NIO: The battle for the global electric vehicle market is heating up</b></p>\n<p>Although there is a world of difference between Ford and NIO, both companies are set to go toe-to-toe in the rapidly growing global electric vehicle market. Ford’s fleet is not yet EV-focused but this is going to change: Feeling that the EV race is heating up, Ford said it is accelerating its electrification plan by investing&nbsp;$30B into its EV manufacturing capabilities until 2025. Ford’s previous capital plan called for a $22B investment in zero-emission vehicles. Ford also set an ambitious sales goal: 40% of its global sales will be electric within the next decade and 33% of pickup truck sales. Electric vehicle sales account for just 1% of Ford's sales today. As Ford is phasing out combustion engines, it is set to evolve into an all-electric vehicle maker by 2040.</p>\n<p><b>Market opportunity</b></p>\n<p>In 2020, 3.2m electric vehicles were sold in the world which represented a small market share of just 4.2%. China, however, was responsible for buying 41% of all electric vehicles in the world in 2020. Chinese buyers purchased 1.3m electric vehicles last year and sales are set to grow fast as Beijing seeks to boost EV adoption. The second largest market for electric vehicles was Europe which accounted for 42% of global EV sales. The US is only the third-largest market for plug-in electric vehicles in the world.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/b48c23b32134542f51227d9b1b612887\" tg-width=\"1083\" tg-height=\"863\"><span>(Source: Wikipedia)</span></p>\n<p>China, by far, is the fastest growing EV market in the world, although Europe is catching up fast, in part due to a legislative efforts to increase adoption of zero-emission passenger vehicles and because of massive investments in a Europe-wide charging station network. NIO is&nbsp;on the cusp of entering the European market&nbsp;in a bid to grow market share in the world’s second-largest EV market before the competition is ready.</p>\n<p>Beijing is a driver behind the electrification of the Chinese auto industry: The government wants to see a&nbsp;twenty percent share&nbsp;of electric vehicles for new car sales by 2025 which will drive EV penetration in NIO’s home market.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9871e44eaf69adb27151425887870ace\" tg-width=\"739\" tg-height=\"454\"><span>(Source:Schroders)</span></p>\n<p>Turning to growth projections.</p>\n<p>With more favorable government policies for EV makers in places like China and Europe, these markets are poised to see the fastest sales growth and the highest EV adoption rates in the world. China is not only the largest market due to population size but is also expected to outperform all other markets in the world in EV sales until 2030.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/61d19dff2f34e2d8828aca854e85d84a\" tg-width=\"825\" tg-height=\"565\"><span>(Source:McKinsey)</span></p>\n<p>Since China has a larger total market size, a higher EV adoption rate, stronger expected sales growth and a more favorable regulatory framework, the winner here would be: NIO.</p>\n<p><b>Scale and manufacturing competence</b></p>\n<p>Ford has a century’s worth of manufacturing experience. But Ford, so far, has only one all-electric vehicle in its product line-up that compares to NIO: The Mustang Mach-E SUV. In 2022, Ford will begin to sell the all-electric F-150 Lightening which builds on the success of Ford’s best-selling pick-up truck. NIO already has a stronger product catalog including the 5-seater ES6 SUV, the 5-seater coupe SUV EC6 and the ES8, a 6-seater and 7-seater full-sized SUV.</p>\n<p>Since NIO is solely focused on producing EVs and occupies a very small and defined niche, the Chinese firm has an advantage as far as EV-manufacturing expertise goes. The question is how long this advantage can last. Ford has extensive experience in building cars and can leverage a global manufacturing base to ramp up EV production faster than any niche EV maker could ever hope to achieve. This makes Ford a very serious rival not only to Tesla (TSLA) in the US, but also to NIO abroad. Ford is accelerating its electrification plans and it has the resources and the ambition to become a leader in EVs within the next decade. Ford’s proposed $30B spending on the electrification of its fleet will accelerate its transformation and turn Ford into a long term threat to other EV makers.</p>\n<p>Winner here: Ford.</p>\n<p><b>Differentiation and BaaS revenue model</b></p>\n<p>Both Ford and NIO know about the importance of differentiation in a market that will only get more competitive over time, which is why both companies are investing heavily in a related field that can break or solidify dominance in the EV market: Battery technology.</p>\n<p>Ford is&nbsp;forming a joint venture&nbsp;with South Korean battery technology company SK Innovation to secure supply of traction battery cells and array modules. The joint venture is meant to accelerate battery deliveries and will produce approximately 60 GWh annually, enough to cover 25% of Ford’s estimated annual energy demand by 2030. NIO is also investing in battery technology and has&nbsp;formed its own joint venture&nbsp;to secure battery supply.</p>\n<p>The difference to Ford is that NIO’s battery investment strategy revolves around a battery subscription model, also called “battery-as-a-service”, which creates a strong, long term revenue opportunity for the Chinese vehicle maker. Under this “BaaS” model, users who buy a NIO electric vehicle get a 70,000 RMB initial discount, equivalent to $10,800, and can sign up for a monthly subscription to rent a rechargeable 70 kWh battery. Batteries can then be exchanged at one of NIO’s battery-swapping stations which can be found in most big Chinese cities. A battery subscription costs 980 RMB monthly which is the equivalent of $150.</p>\n<p>The BaaS model has a couple of benefits for both the vehicle maker and the user: Purchasing an electric vehicle from NIO gets a lot more affordable due to the up-front discount and the subscription model ensures that users benefit from advancement in battery technology and better performance over time. Decoupling battery costs from vehicle prices creates an entirely new revenue stream on a subscription basis for NIO. Revenues from “BaaS” subscriptions could be used to increase the density of NIO’s network of charging/replacement stations. The battery subscription model also binds customers to NIO, potentially increasing customer lifetime value.</p>\n<p>Ford and NIO are primed to benefit from falling battery costs for electric vehicles as they ramp up capital allocations. As more investments flow into developing more efficient batteries, performance will go up and costs will go down which should drive EV adoption and benefit all EV makers. This is because lower battery prices make EVs more competitive to passenger vehicles with combustion engines. But since NIO is structuring a part of its business model explicitly around battery subscriptions, NIO could benefit more than Ford.</p>\n<p>Battery costs for EVs have decreased 70% since 2014, based on information provided by investment firm Schroders, and are set to decrease more this decade.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c42acb75905affe7570a2f399ea3192f\" tg-width=\"758\" tg-height=\"449\"><span>(Source: Schroders)</span></p>\n<p>The “BaaS” model is genius and could develop into a $500M a year revenue opportunity for NIO long term. Although Ford is ramping up its investments in battery technology, the winner in this category is: NIO.</p>\n<p><b>Sales growth and valuation</b></p>\n<p>Ford’s sales in May grew 4.1% Y/Y but electrified vehicle sales (including hybrids) surged 184% Y/Y as Ford sold a record 10,364 EVs/hybrids in May. Escape electrified sales and Explorer Hybrid grew sales at 125% and 132% Y/Y showing strong customer uptake. NIO delivered 6,711 vehicles last month including 3,017 ES6s, 1,412 ES8s and 2,282 EC6s. Total Y/Y delivery growth for May was 95.3%.</p>\n<p>Ford's sales are fifty-four times larger than NIO's which creates more sales growth and revaluation potential for NIO.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/df5a0a393e44ed74241c5effcdd92350\" tg-width=\"635\" tg-height=\"419\"><span>Data by YCharts</span></p>\n<p>The difference in valuation between Ford and NIO is like the difference between night and day. This is because Ford is still seen as a mature vehicle maker with expected enterprise sales growth in the low-to-mid digits, despite explosive growth in the EV category. Ford is expected to grow revenues by 33% until FY 2025 (base year: FY 2020) and NIO by 808%!</p>\n<p>Due to these differences in sales growth, NIO is the complete opposite of Ford, at least as far as valuation goes. The Chinese EV-maker is expected to see sales and delivery growth close to 100% this year and since NIO is only dealing in EVs, NIO gets a much higher market-cap-to-sales ratio than Ford.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/817605c6b1e82c03d0473ea570d32b8f\" tg-width=\"506\" tg-height=\"406\"><span>(Source: Author)</span></p>\n<p><b>NIO has larger risks...</b></p>\n<p>NIO is the more risky venture, but also the one that offers the most promise. Government policy favors EV-makers like NIO. The potential for total global sales growth is larger for NIO as it operates from a smaller revenue base compared to Ford. But there are also a few things that work against NIO. For example, recalls due to production defects would be a much bigger challenge for NIO to overcome than for Ford which can rely on a global service and distribution network. NIO’s valuation is also not without risk as an unexpected slowing of sales growth due to production setbacks would leave a much larger dent in the financials.</p>\n<p><b>Final verdict</b></p>\n<p>NIO is definitely the more “sexy” vehicle maker. Strong adoption and sales growth in China and Europe support NIO. Its super smart BaaS model which decouples vehicle purchase prices from battery costs is genius. You pay a high price for this growth but the market opportunity for NIO is immense.</p>\n<p>Ford’s EV sales are booming and the percentage of EV sales will increase as the vehicle maker electrifies its fleet. Ford has a lot of potential in the EV market but since EV sales are still a relatively low percentage of total sales, it will take a long time for Ford to complete its transformation.</p>\n<p>If you believe in the potential of the global EV market, buy NIO. If you believe in the potential of the global EV market and don’t like much risk, buy Ford.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Ford Or NIO? The Final Verdict</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nFord Or NIO? The Final Verdict\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-27 08:40 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4436600-ford-or-nio-the-final-verdict><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nI am comparing Ford against NIO in different categories.\nThe comparison is intended to improve the understanding of Ford's and NIO's growth potential while highlighting differences in market ...</p>\n\n<a href=\"https://seekingalpha.com/article/4436600-ford-or-nio-the-final-verdict\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"F":"福特汽车","NIO":"蔚来"},"source_url":"https://seekingalpha.com/article/4436600-ford-or-nio-the-final-verdict","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1137119316","content_text":"Summary\n\nI am comparing Ford against NIO in different categories.\nThe comparison is intended to improve the understanding of Ford's and NIO's growth potential while highlighting differences in market position and opportunities.\nNIO is growing a lot faster than Ford and the high valuation may be justified.\n\npeterschreiber.media/iStock via Getty Images\nWith Ford (F) launching a major offensive in the market for electric vehicles, Chinese EV maker NIO (NIO) will face one more rival competing for sales in the future. Which vehicle maker offers the best deal based on market opportunity, scale, revenue model, growth prospects and valuation? I will compare Ford against NIO in each category and issue a final verdict at the end.\nFord vs. NIO: The battle for the global electric vehicle market is heating up\nAlthough there is a world of difference between Ford and NIO, both companies are set to go toe-to-toe in the rapidly growing global electric vehicle market. Ford’s fleet is not yet EV-focused but this is going to change: Feeling that the EV race is heating up, Ford said it is accelerating its electrification plan by investing $30B into its EV manufacturing capabilities until 2025. Ford’s previous capital plan called for a $22B investment in zero-emission vehicles. Ford also set an ambitious sales goal: 40% of its global sales will be electric within the next decade and 33% of pickup truck sales. Electric vehicle sales account for just 1% of Ford's sales today. As Ford is phasing out combustion engines, it is set to evolve into an all-electric vehicle maker by 2040.\nMarket opportunity\nIn 2020, 3.2m electric vehicles were sold in the world which represented a small market share of just 4.2%. China, however, was responsible for buying 41% of all electric vehicles in the world in 2020. Chinese buyers purchased 1.3m electric vehicles last year and sales are set to grow fast as Beijing seeks to boost EV adoption. The second largest market for electric vehicles was Europe which accounted for 42% of global EV sales. The US is only the third-largest market for plug-in electric vehicles in the world.\n(Source: Wikipedia)\nChina, by far, is the fastest growing EV market in the world, although Europe is catching up fast, in part due to a legislative efforts to increase adoption of zero-emission passenger vehicles and because of massive investments in a Europe-wide charging station network. NIO is on the cusp of entering the European market in a bid to grow market share in the world’s second-largest EV market before the competition is ready.\nBeijing is a driver behind the electrification of the Chinese auto industry: The government wants to see a twenty percent share of electric vehicles for new car sales by 2025 which will drive EV penetration in NIO’s home market.\n(Source:Schroders)\nTurning to growth projections.\nWith more favorable government policies for EV makers in places like China and Europe, these markets are poised to see the fastest sales growth and the highest EV adoption rates in the world. China is not only the largest market due to population size but is also expected to outperform all other markets in the world in EV sales until 2030.\n(Source:McKinsey)\nSince China has a larger total market size, a higher EV adoption rate, stronger expected sales growth and a more favorable regulatory framework, the winner here would be: NIO.\nScale and manufacturing competence\nFord has a century’s worth of manufacturing experience. But Ford, so far, has only one all-electric vehicle in its product line-up that compares to NIO: The Mustang Mach-E SUV. In 2022, Ford will begin to sell the all-electric F-150 Lightening which builds on the success of Ford’s best-selling pick-up truck. NIO already has a stronger product catalog including the 5-seater ES6 SUV, the 5-seater coupe SUV EC6 and the ES8, a 6-seater and 7-seater full-sized SUV.\nSince NIO is solely focused on producing EVs and occupies a very small and defined niche, the Chinese firm has an advantage as far as EV-manufacturing expertise goes. The question is how long this advantage can last. Ford has extensive experience in building cars and can leverage a global manufacturing base to ramp up EV production faster than any niche EV maker could ever hope to achieve. This makes Ford a very serious rival not only to Tesla (TSLA) in the US, but also to NIO abroad. Ford is accelerating its electrification plans and it has the resources and the ambition to become a leader in EVs within the next decade. Ford’s proposed $30B spending on the electrification of its fleet will accelerate its transformation and turn Ford into a long term threat to other EV makers.\nWinner here: Ford.\nDifferentiation and BaaS revenue model\nBoth Ford and NIO know about the importance of differentiation in a market that will only get more competitive over time, which is why both companies are investing heavily in a related field that can break or solidify dominance in the EV market: Battery technology.\nFord is forming a joint venture with South Korean battery technology company SK Innovation to secure supply of traction battery cells and array modules. The joint venture is meant to accelerate battery deliveries and will produce approximately 60 GWh annually, enough to cover 25% of Ford’s estimated annual energy demand by 2030. NIO is also investing in battery technology and has formed its own joint venture to secure battery supply.\nThe difference to Ford is that NIO’s battery investment strategy revolves around a battery subscription model, also called “battery-as-a-service”, which creates a strong, long term revenue opportunity for the Chinese vehicle maker. Under this “BaaS” model, users who buy a NIO electric vehicle get a 70,000 RMB initial discount, equivalent to $10,800, and can sign up for a monthly subscription to rent a rechargeable 70 kWh battery. Batteries can then be exchanged at one of NIO’s battery-swapping stations which can be found in most big Chinese cities. A battery subscription costs 980 RMB monthly which is the equivalent of $150.\nThe BaaS model has a couple of benefits for both the vehicle maker and the user: Purchasing an electric vehicle from NIO gets a lot more affordable due to the up-front discount and the subscription model ensures that users benefit from advancement in battery technology and better performance over time. Decoupling battery costs from vehicle prices creates an entirely new revenue stream on a subscription basis for NIO. Revenues from “BaaS” subscriptions could be used to increase the density of NIO’s network of charging/replacement stations. The battery subscription model also binds customers to NIO, potentially increasing customer lifetime value.\nFord and NIO are primed to benefit from falling battery costs for electric vehicles as they ramp up capital allocations. As more investments flow into developing more efficient batteries, performance will go up and costs will go down which should drive EV adoption and benefit all EV makers. This is because lower battery prices make EVs more competitive to passenger vehicles with combustion engines. But since NIO is structuring a part of its business model explicitly around battery subscriptions, NIO could benefit more than Ford.\nBattery costs for EVs have decreased 70% since 2014, based on information provided by investment firm Schroders, and are set to decrease more this decade.\n(Source: Schroders)\nThe “BaaS” model is genius and could develop into a $500M a year revenue opportunity for NIO long term. Although Ford is ramping up its investments in battery technology, the winner in this category is: NIO.\nSales growth and valuation\nFord’s sales in May grew 4.1% Y/Y but electrified vehicle sales (including hybrids) surged 184% Y/Y as Ford sold a record 10,364 EVs/hybrids in May. Escape electrified sales and Explorer Hybrid grew sales at 125% and 132% Y/Y showing strong customer uptake. NIO delivered 6,711 vehicles last month including 3,017 ES6s, 1,412 ES8s and 2,282 EC6s. Total Y/Y delivery growth for May was 95.3%.\nFord's sales are fifty-four times larger than NIO's which creates more sales growth and revaluation potential for NIO.\nData by YCharts\nThe difference in valuation between Ford and NIO is like the difference between night and day. This is because Ford is still seen as a mature vehicle maker with expected enterprise sales growth in the low-to-mid digits, despite explosive growth in the EV category. Ford is expected to grow revenues by 33% until FY 2025 (base year: FY 2020) and NIO by 808%!\nDue to these differences in sales growth, NIO is the complete opposite of Ford, at least as far as valuation goes. The Chinese EV-maker is expected to see sales and delivery growth close to 100% this year and since NIO is only dealing in EVs, NIO gets a much higher market-cap-to-sales ratio than Ford.\n(Source: Author)\nNIO has larger risks...\nNIO is the more risky venture, but also the one that offers the most promise. Government policy favors EV-makers like NIO. The potential for total global sales growth is larger for NIO as it operates from a smaller revenue base compared to Ford. But there are also a few things that work against NIO. For example, recalls due to production defects would be a much bigger challenge for NIO to overcome than for Ford which can rely on a global service and distribution network. NIO’s valuation is also not without risk as an unexpected slowing of sales growth due to production setbacks would leave a much larger dent in the financials.\nFinal verdict\nNIO is definitely the more “sexy” vehicle maker. Strong adoption and sales growth in China and Europe support NIO. Its super smart BaaS model which decouples vehicle purchase prices from battery costs is genius. You pay a high price for this growth but the market opportunity for NIO is immense.\nFord’s EV sales are booming and the percentage of EV sales will increase as the vehicle maker electrifies its fleet. Ford has a lot of potential in the EV market but since EV sales are still a relatively low percentage of total sales, it will take a long time for Ford to complete its transformation.\nIf you believe in the potential of the global EV market, buy NIO. If you believe in the potential of the global EV market and don’t like much risk, buy Ford.","news_type":1},"isVote":1,"tweetType":1,"viewCount":750,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":166506460,"gmtCreate":1624015473050,"gmtModify":1703826600801,"author":{"id":"3579349908917292","authorId":"3579349908917292","name":"Winteriness","avatar":"https://static.tigerbbs.com/7b003b4d6e783d6a9f76a3e5eae3db0e","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3579349908917292","authorIdStr":"3579349908917292"},"themes":[],"htmlText":"Like and comment","listText":"Like and comment","text":"Like and comment","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":7,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/166506460","repostId":"2144773750","repostType":4,"repost":{"id":"2144773750","kind":"highlight","pubTimestamp":1624014000,"share":"https://ttm.financial/m/news/2144773750?lang=&edition=fundamental","pubTime":"2021-06-18 19:00","market":"us","language":"en","title":"This Under-the-Radar Payments Company Could Be a Great Investment","url":"https://stock-news.laohu8.com/highlight/detail?id=2144773750","media":"Motley Fool","summary":"While many investors chase new, highflying entrants to the financial services sector, this 46-year-old SaaS payments company might represent excellent value.","content":"<p>The financial sector is constantly evolving -- especially the payments industry, which is home to countless new companies that are trying to change the way consumers trade with merchants. But some of the most important innovations haven't come from young, exciting companies.</p>\n<p>Founded in 1975, <b>ACI Worldwide</b> (NASDAQ:ACIW) is responsible for processing over $14 trillion worth of daily transactions and does business with 19 of the world's 20 largest banks. Aside from becoming the target of an activist investor in 2020, this company is rarely a hot topic in investment circles. It hosts a modest valuation compared to some of the smaller disruptors in the sector yet has delivered solid growth recently, and is projected to continue doing so. It's definitely worth considering for your portfolio.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7a2cdff04063f294d2a2063a870dbd1b\" tg-width=\"700\" tg-height=\"466\"><span>Image Source: Getty Images</span></p>\n<h2>A variety of solutions</h2>\n<p>ACI Worldwide is ambitious. It strives to be a software-driven, <a href=\"https://laohu8.com/S/AONE\">one</a>-stop payments provider for businesses of all kinds. It doesn't just process transactions; it also offers billing solutions to assist businesses with customer interactions -- and even a digital debt-collections service!</p>\n<p>It reports revenue and EBITDA in three different parts to offer clarity on the best-performing areas of its business:</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Segment</p></th>\n   <th><p>Q1 2021 Revenue (millions)</p></th>\n   <th><p>Q1 2021 EBITDA (millions)</p></th>\n   <th><p>Q1 2021 EBITDA Margin</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Banks</p></td>\n   <td><p>$95.9</p></td>\n   <td><p>$37.2</p></td>\n   <td><p>38.7%</p></td>\n  </tr>\n  <tr>\n   <td><p>Merchants</p></td>\n   <td><p>$38.7</p></td>\n   <td><p>$14.7</p></td>\n   <td><p>37.9%</p></td>\n  </tr>\n  <tr>\n   <td><p>Billers</p></td>\n   <td><p>$150.6</p></td>\n   <td><p>$34.0</p></td>\n   <td><p>22.5%</p></td>\n  </tr>\n </tbody>\n</table>\n<p>DATA SOURCE: COMPANY FILINGS</p>\n<p>The billers segment makes up more than half of the company's revenue, but is the least profitable with the smallest EBITDA margin. Billers are typically companies that draw regular payments from customers, like a phone or utilities provider. The biggest margins come from banks, who use ACI's white-label software to run online portals and internet banking for customers. This is particularly distinctive, because most other payments companies are focused on <i>changing</i> banking and finance, not necessarily <i>serving</i> traditional banks.</p>\n<p>The company also provides merchant services, helping physical businesses build their presence online, and offers in-store payment solutions.</p>\n<p>Ultimately, ACI is helping to digitize merchants, providing them with the opportunity to harness omnichannel strategies. From in-store payments to online payments, businesses rely on ACI's software solutions, and with features like integrated machine learning-based fraud protection, they can operate with confidence.</p>\n<p>ACI runs under a software as a service (SaaS) business model, which means most of its revenue is recurring (subscription-based). The majority of its services are delivered in the cloud, making them truly mobile, which is essential when facilitating global transactions.</p>\n<p>As recently as the first-quarter 2021 earnings release, ACI flagged its search for potential acquisitions in an attempt to further supplement its current product offerings and also expand them. Acquisitions aren't new for this company. In 2019, it purchased Speedpay from <b>Western Union</b>, which it has integrated into its existing billing platform. It also added Walletron in the same year, allowing for integrations with Apple Wallet and Google Pay, to give consumers more mobile payment options.</p>\n<h2>The rule of 40</h2>\n<p>Despite growing revenues, earnings per share (EPS) have been stagnant for the last few years. However, analysts expect full-year 2021 growth of 85% driven by the company's projected ''rule of 40'' milestone. ACI has chosen to measure its performance by this metric, as it is widely recognized by investors in the SaaS space.</p>\n<p>A company passes the rule of 40 test when its revenue growth rate and profit margin add up to 40% or more. It can be achieved in different ways: A revenue growth of 20% and a 20% earnings before interest, taxes, depreciation, and amortization (EBITDA) margin is the benchmark; but 40% revenue growth and a 0% EBITDA margin would also qualify.</p>\n<p>SaaS companies that maintain the rule of 40 typically attract higher earnings multiples in the market, indicating that investors favor them over their peers, which are growing the key metrics at a slower rate.</p>\n<table>\n <thead>\n  <tr>\n   <th><p>Metric</p></th>\n   <th><p>2019</p></th>\n   <th><p>2020</p></th>\n   <th><p>Q1 2021</p></th>\n   <th><p>2021 Full-Year Estimate</p></th>\n   <th><p>2022 Full-Year Estimate</p></th>\n  </tr>\n </thead>\n <tbody>\n  <tr>\n   <td><p>Revenue (millions)</p></td>\n   <td><p>$1,258</p></td>\n   <td><p>$1,294</p></td>\n   <td><p>$285</p></td>\n   <td><p>$1,330</p></td>\n   <td><p>$1,400</p></td>\n  </tr>\n  <tr>\n   <td><p>Earnings Per Share</p></td>\n   <td><p>$0.57</p></td>\n   <td><p>$0.62</p></td>\n   <td><p>$0.15</p></td>\n   <td><p>$1.15</p></td>\n   <td><p>$1.28</p></td>\n  </tr>\n </tbody>\n</table>\n<p>DATA SOURCE: COMPANY FILINGS, YAHOO! FINANCE</p>\n<p>For the full-year 2020, ACI achieved a net adjusted EBITDA margin of 37% and revenue growth of 2.8%, so it was mere basis points away from achieving the rule of 40 milestone. It has projected it will reach it for the full year 2021; however, Q1 was a little sluggish, attributable to persistent COVID-related headwinds. It delivered an EBITDA margin of just 23%, and a revenue <i>contraction</i> of 2%. However, it's still early in the year, and ACI has guided for revenue to grow (sequentially) in Q2.</p>\n<p>Growth this year could be driven by the merchants segment. Although it's the smallest for the company, with businesses reopening after COVID lockdowns, there is an opportunity for ACI to capture new customers. As it's really profitable (almost as profitable as the banking segment), it could also be a big contributor to blended EBITDA margins.</p>\n<h2>A modest valuation</h2>\n<p>Financial services companies are typically given smaller valuations compared to companies in other sectors, like technology. With a $4.6 billion market cap, ACI Worldwide trades at just 3.5 times trailing 12-month revenue. But given its digital and technological focus, there is an opportunity for the company to prove itself to growth investors, and potentially attract a higher valuation by generating stronger operating performance..</p>\n<p>By comparison, payments giant <b><a href=\"https://laohu8.com/S/PYPL\">PayPal</a> Holdings</b> trades at 14.3 times trailing 12-month revenue,&nbsp;although it is growing much more quickly. PayPal does operate an entirely different business model, but it has similar goals, which involve facilitating instant transacting worldwide.</p>\n<p>The rule of 40 could be the key to unlocking consistent earnings growth in the coming years as analysts are predicting. Revenue growth has been the main hurdle for ACI, and it will need to innovate to generate better results, whether organically or by acquisition. At Thursday's close, the stock was trading at pennies higher than where it opened the year, but that could change with improved results in the coming quarters.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>This Under-the-Radar Payments Company Could Be a Great Investment</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThis Under-the-Radar Payments Company Could Be a Great Investment\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-06-18 19:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/06/18/under-the-radar-payments-company-could-be-a-buy/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The financial sector is constantly evolving -- especially the payments industry, which is home to countless new companies that are trying to change the way consumers trade with merchants. But some of ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/06/18/under-the-radar-payments-company-could-be-a-buy/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"ACIW":"ACI环球"},"source_url":"https://www.fool.com/investing/2021/06/18/under-the-radar-payments-company-could-be-a-buy/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2144773750","content_text":"The financial sector is constantly evolving -- especially the payments industry, which is home to countless new companies that are trying to change the way consumers trade with merchants. But some of the most important innovations haven't come from young, exciting companies.\nFounded in 1975, ACI Worldwide (NASDAQ:ACIW) is responsible for processing over $14 trillion worth of daily transactions and does business with 19 of the world's 20 largest banks. Aside from becoming the target of an activist investor in 2020, this company is rarely a hot topic in investment circles. It hosts a modest valuation compared to some of the smaller disruptors in the sector yet has delivered solid growth recently, and is projected to continue doing so. It's definitely worth considering for your portfolio.\nImage Source: Getty Images\nA variety of solutions\nACI Worldwide is ambitious. It strives to be a software-driven, one-stop payments provider for businesses of all kinds. It doesn't just process transactions; it also offers billing solutions to assist businesses with customer interactions -- and even a digital debt-collections service!\nIt reports revenue and EBITDA in three different parts to offer clarity on the best-performing areas of its business:\n\n\n\nSegment\nQ1 2021 Revenue (millions)\nQ1 2021 EBITDA (millions)\nQ1 2021 EBITDA Margin\n\n\n\n\nBanks\n$95.9\n$37.2\n38.7%\n\n\nMerchants\n$38.7\n$14.7\n37.9%\n\n\nBillers\n$150.6\n$34.0\n22.5%\n\n\n\nDATA SOURCE: COMPANY FILINGS\nThe billers segment makes up more than half of the company's revenue, but is the least profitable with the smallest EBITDA margin. Billers are typically companies that draw regular payments from customers, like a phone or utilities provider. The biggest margins come from banks, who use ACI's white-label software to run online portals and internet banking for customers. This is particularly distinctive, because most other payments companies are focused on changing banking and finance, not necessarily serving traditional banks.\nThe company also provides merchant services, helping physical businesses build their presence online, and offers in-store payment solutions.\nUltimately, ACI is helping to digitize merchants, providing them with the opportunity to harness omnichannel strategies. From in-store payments to online payments, businesses rely on ACI's software solutions, and with features like integrated machine learning-based fraud protection, they can operate with confidence.\nACI runs under a software as a service (SaaS) business model, which means most of its revenue is recurring (subscription-based). The majority of its services are delivered in the cloud, making them truly mobile, which is essential when facilitating global transactions.\nAs recently as the first-quarter 2021 earnings release, ACI flagged its search for potential acquisitions in an attempt to further supplement its current product offerings and also expand them. Acquisitions aren't new for this company. In 2019, it purchased Speedpay from Western Union, which it has integrated into its existing billing platform. It also added Walletron in the same year, allowing for integrations with Apple Wallet and Google Pay, to give consumers more mobile payment options.\nThe rule of 40\nDespite growing revenues, earnings per share (EPS) have been stagnant for the last few years. However, analysts expect full-year 2021 growth of 85% driven by the company's projected ''rule of 40'' milestone. ACI has chosen to measure its performance by this metric, as it is widely recognized by investors in the SaaS space.\nA company passes the rule of 40 test when its revenue growth rate and profit margin add up to 40% or more. It can be achieved in different ways: A revenue growth of 20% and a 20% earnings before interest, taxes, depreciation, and amortization (EBITDA) margin is the benchmark; but 40% revenue growth and a 0% EBITDA margin would also qualify.\nSaaS companies that maintain the rule of 40 typically attract higher earnings multiples in the market, indicating that investors favor them over their peers, which are growing the key metrics at a slower rate.\n\n\n\nMetric\n2019\n2020\nQ1 2021\n2021 Full-Year Estimate\n2022 Full-Year Estimate\n\n\n\n\nRevenue (millions)\n$1,258\n$1,294\n$285\n$1,330\n$1,400\n\n\nEarnings Per Share\n$0.57\n$0.62\n$0.15\n$1.15\n$1.28\n\n\n\nDATA SOURCE: COMPANY FILINGS, YAHOO! FINANCE\nFor the full-year 2020, ACI achieved a net adjusted EBITDA margin of 37% and revenue growth of 2.8%, so it was mere basis points away from achieving the rule of 40 milestone. It has projected it will reach it for the full year 2021; however, Q1 was a little sluggish, attributable to persistent COVID-related headwinds. It delivered an EBITDA margin of just 23%, and a revenue contraction of 2%. However, it's still early in the year, and ACI has guided for revenue to grow (sequentially) in Q2.\nGrowth this year could be driven by the merchants segment. Although it's the smallest for the company, with businesses reopening after COVID lockdowns, there is an opportunity for ACI to capture new customers. As it's really profitable (almost as profitable as the banking segment), it could also be a big contributor to blended EBITDA margins.\nA modest valuation\nFinancial services companies are typically given smaller valuations compared to companies in other sectors, like technology. With a $4.6 billion market cap, ACI Worldwide trades at just 3.5 times trailing 12-month revenue. But given its digital and technological focus, there is an opportunity for the company to prove itself to growth investors, and potentially attract a higher valuation by generating stronger operating performance..\nBy comparison, payments giant PayPal Holdings trades at 14.3 times trailing 12-month revenue, although it is growing much more quickly. PayPal does operate an entirely different business model, but it has similar goals, which involve facilitating instant transacting worldwide.\nThe rule of 40 could be the key to unlocking consistent earnings growth in the coming years as analysts are predicting. Revenue growth has been the main hurdle for ACI, and it will need to innovate to generate better results, whether organically or by acquisition. At Thursday's close, the stock was trading at pennies higher than where it opened the year, but that could change with improved results in the coming quarters.","news_type":1},"isVote":1,"tweetType":1,"viewCount":767,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":136773412,"gmtCreate":1622041977436,"gmtModify":1704178433471,"author":{"id":"3579349908917292","authorId":"3579349908917292","name":"Winteriness","avatar":"https://static.tigerbbs.com/7b003b4d6e783d6a9f76a3e5eae3db0e","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3579349908917292","authorIdStr":"3579349908917292"},"themes":[],"htmlText":"Comment and like pls!","listText":"Comment and like pls!","text":"Comment and like pls!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":3,"repostSize":0,"link":"https://ttm.financial/post/136773412","repostId":"1111418097","repostType":4,"repost":{"id":"1111418097","kind":"news","pubTimestamp":1622041378,"share":"https://ttm.financial/m/news/1111418097?lang=&edition=fundamental","pubTime":"2021-05-26 23:02","market":"us","language":"en","title":"Apple Is Looking for Crypto Experience in ‘Alternative Payments’ Job Post","url":"https://stock-news.laohu8.com/highlight/detail?id=1111418097","media":"coindesk","summary":"Apple is looking to hire a business development manager with experience in the cryptocurrency indust","content":"<p>Apple is looking to hire a business development manager with experience in the cryptocurrency industry to lead its “alternative payments” partnership program.</p><p>In a Wednesday&nbsp;job posting, Apple said candidates should have five years or more “working in or with alternative payment providers, such as digital wallets, BNPL [buy now pay later], Fast Payments, cryptocurrency and etc.”</p><p>The Cupertino tech giant said the manager would be Apple’s chief negotiator for the alternative payments space.</p><p>“The Apple Wallets, Payments, and Commerce (WPC) team is seeking an experienced Business Development Manager to lead Alternative Payments Partnerships,” the company wrote.</p><p>Apple has long maintained an ironclad grip over payments, especially in its App Store, which has never accepted customers’ crypto and forces all catalog apps to use Apple’s commerce rails and play by Apple’s rules.</p><p>That tightly-controlled ecosystem is the focus of a blockbuster court fight launched by Fortnite developer Epic Games. Epic alleges Apple’s rules violate antitrust laws and stifle payments innovation. App developers could accept “bitcoin or other cryptocurrencies” if not for Apple’s restrictions, Epicclaimedin the suit.</p><p>Apple has made no public statements about its plans for the crypto space. The company did not immediately return CoinDesk’s calls.</p><p>Even so, pockets of the crypto space seem to be preparing for Apple. Coinbase included Apple Pay graphics in a recent app update, according toMacRumors.</p>","source":"lsy1572937250936","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Apple Is Looking for Crypto Experience in ‘Alternative Payments’ Job Post</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nApple Is Looking for Crypto Experience in ‘Alternative Payments’ Job Post\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-05-26 23:02 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.coindesk.com/apple-is-looking-for-crypto-experience-in-alternative-payments-job-post><strong>coindesk</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Apple is looking to hire a business development manager with experience in the cryptocurrency industry to lead its “alternative payments” partnership program.In a Wednesday job posting, Apple said ...</p>\n\n<a href=\"https://www.coindesk.com/apple-is-looking-for-crypto-experience-in-alternative-payments-job-post\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AAPL":"苹果"},"source_url":"https://www.coindesk.com/apple-is-looking-for-crypto-experience-in-alternative-payments-job-post","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1111418097","content_text":"Apple is looking to hire a business development manager with experience in the cryptocurrency industry to lead its “alternative payments” partnership program.In a Wednesday job posting, Apple said candidates should have five years or more “working in or with alternative payment providers, such as digital wallets, BNPL [buy now pay later], Fast Payments, cryptocurrency and etc.”The Cupertino tech giant said the manager would be Apple’s chief negotiator for the alternative payments space.“The Apple Wallets, Payments, and Commerce (WPC) team is seeking an experienced Business Development Manager to lead Alternative Payments Partnerships,” the company wrote.Apple has long maintained an ironclad grip over payments, especially in its App Store, which has never accepted customers’ crypto and forces all catalog apps to use Apple’s commerce rails and play by Apple’s rules.That tightly-controlled ecosystem is the focus of a blockbuster court fight launched by Fortnite developer Epic Games. Epic alleges Apple’s rules violate antitrust laws and stifle payments innovation. App developers could accept “bitcoin or other cryptocurrencies” if not for Apple’s restrictions, Epicclaimedin the suit.Apple has made no public statements about its plans for the crypto space. The company did not immediately return CoinDesk’s calls.Even so, pockets of the crypto space seem to be preparing for Apple. Coinbase included Apple Pay graphics in a recent app update, according toMacRumors.","news_type":1},"isVote":1,"tweetType":1,"viewCount":787,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"defaultTab":"followers","isTTM":true}