{"id":3881,"date":"2025-07-21T17:32:32","date_gmt":"2025-07-21T09:32:32","guid":{"rendered":"http:\/\/blog.cloud500.net\/?p=3881"},"modified":"2025-07-21T17:42:54","modified_gmt":"2025-07-21T09:42:54","slug":"%e4%bd%a0%e4%b8%8d%e5%be%97%e4%b8%8d%e7%9c%8b%e7%9a%84-stripe-2024-%e5%b9%b4%e6%8a%a5%e5%91%8a","status":"publish","type":"post","link":"http:\/\/blog.cloud500.ai\/?p=3881","title":{"rendered":"\u4f60\u4e0d\u5f97\u4e0d\u770b\u7684 Stripe 2024 \u5e74\u62a5\u544a"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote\">\n<p><strong>2024 \u5e74\uff0cStripe \u5e73\u53f0\u4e0a\u7684\u4f01\u4e1a\u6240\u5904\u7406\u7684\u652f\u4ed8\u603b\u989d\u8fbe\u5230 1.4 \u4e07\u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u957f 38%\uff0c\u8fd9\u4e00\u89c4\u6a21\u76f8\u5f53\u4e8e\u5168\u7403 GDP \u7684 1.3%\u3002<\/strong>\u8fd9\u9879\u663e\u8457\u589e\u957f\u4e3b\u8981\u5f97\u76ca\u4e8e Stripe \u957f\u671f\u4ee5\u6765\u5c06\u673a\u5668\u5b66\u4e60\u4e0e\u00a0AI \u6280\u672f\u6df1\u5ea6\u878d\u5165\u5176\u4ea7\u54c1\u7684\u6218\u7565\u5e03\u5c40\u3002\u901a\u8fc7\u8fd9\u4e9b\u6280\u672f\uff0cStripe \u4e0d\u4ec5\u5e2e\u52a9\u73b0\u6709\u5ba2\u6237\u63d0\u5347\u4e86\u8425\u6536\u80fd\u529b\uff0c\u8fd8\u5438\u5f15\u4e86\u66f4\u591a\u4f01\u4e1a\u8fc1\u79fb\u81f3\u5176\u5e73\u53f0\uff0c\u540c\u65f6\u63a8\u52a8\u65b0\u5174\u4f01\u4e1a\u4ee5\u66f4\u9ad8\u6548\u7684\u65b9\u5f0f\u5b9e\u73b0\u89c4\u6a21\u5316\u6269\u5f20\uff08\u5177\u4f53\u673a\u5236\u5c06\u5728\u540e\u6587\u8be6\u8ff0\uff09\u3002\u5c3d\u7ba1 2024 \u5e74\u7684\u589e\u957f\u8868\u73b0\u53d7\u7279\u6b8a\u56e0\u7d20\u63a8\u52a8\uff0c\u672a\u6765\u589e\u901f\u53ef\u80fd\u4f1a\u6709\u6240\u6ce2\u52a8\uff0c\u4f46\u6211\u4eec\u4f9d\u7136\u575a\u5b9a\u770b\u597d\u4e92\u8054\u7f51\u7ecf\u6d4e\u7684\u957f\u671f\u53d1\u5c55\u6f5c\u529b\u3002<br>Stripe \u5728 2024 \u5e74\u5b9e\u73b0\u4e86\u6301\u7eed\u76c8\u5229\uff0c\u5e76\u9884\u8ba1 2025 \u5e74\u53ca\u672a\u6765\u5c06\u5ef6\u7eed\u8fd9\u4e00\u6001\u52bf\u3002\u7a33\u5065\u7684\u76c8\u5229\u80fd\u529b\u4f7f\u516c\u53f8\u80fd\u591f\u5c06\u5927\u90e8\u5206\u8fd0\u8425\u6536\u76ca\u6295\u5165\u7814\u53d1 \u2014\u2014 \u8fc7\u53bb\u516d\u5e74\u95f4\uff0cStripe \u7684\u7814\u53d1\u6295\u5165\u5360\u6bd4\u6301\u7eed\u4f4d\u5c45\u884c\u4e1a\u524d\u5217\u3002\u5728\u7a33\u5b9a\u5e01\u548c AI \u7b49\u6280\u672f\u52a0\u901f\u91cd\u5851\u4ea7\u4e1a\u683c\u5c40\u7684\u5173\u952e\u65f6\u671f\uff0c\u8fd9\u79cd\u7814\u53d1\u4f18\u52bf\u5c06\u8fdb\u4e00\u6b65\u63d0\u5347\u5176\u5e02\u573a\u7ade\u4e89\u529b\u3002\u4e0e\u6b64\u540c\u65f6\uff0cStripe \u7684\u5feb\u901f\u53d1\u5c55\u4e5f\u53cd\u6620\u51fa\u5e02\u573a\u5bf9\u53ef\u7f16\u7a0b\u91d1\u878d\u670d\u52a1(Programmable Financial Services) \u7684\u5f3a\u52b2\u9700\u6c42\uff0c\u800c\u8fd9\u4e00\u9886\u57df\u7684\u6df1\u523b\u53d8\u9769\u624d\u521a\u521a\u5f00\u59cb\u3002<br>Stripe Billing \u662f\u516c\u53f8\u7814\u53d1\u6295\u8d44\u6210\u679c\u7684\u5178\u578b\u6848\u4f8b\u3002\u8fc7\u53bb\u4e00\u5e74\uff0cForrester \u548c Gartner \u4e24\u5927\u6743\u5a01\u673a\u6784\u5747\u5c06\u5176\u8bc4\u4e3a\u5e02\u573a\u9886\u5bfc\u8005\uff0c\u8ba4\u53ef\u5176\u529f\u80fd\u5b8c\u5584\u6027\u548c\u5546\u4e1a\u5316\u80fd\u529b\u3002\u6b63\u5982 Stripe \u5728 2023 \u5e74\u81f4\u80a1\u4e1c\u4fe1\u4e2d\u6240\u9884\u671f\u7684\uff0c<strong>\u4ee5 Billing \u4e3a\u6838\u5fc3\u7684\u6536\u5165\u4e0e\u8d22\u52a1\u81ea\u52a8\u5316\u5de5\u5177\uff0c\u76ee\u524d\u5e74\u6536\u5165\u89c4\u6a21\u5df2\u7a81\u7834 5 \u4ebf\u7f8e\u5143\uff0c\u8d85\u8fc7 30 \u4e07\u5bb6\u4f01\u4e1a\u6b63\u5728\u4f7f\u7528\u8be5\u7cfb\u7edf\uff0c\u7ba1\u7406\u8fd1 2 \u4ebf\u4e2a\u6d3b\u8dc3\u8ba2\u9605\u7528\u6237\u3002<\/strong>\u8fd9\u4e00\u4ea7\u54c1\u6b63\u5728\u9010\u6b65\u6210\u4e3a\u4eba\u5de5\u667a\u80fd\u65f6\u4ee3\u7684\u5173\u952e\u521b\u6536\u5f15\u64ce\uff0c\u5c55\u73b0\u51fa\u5f3a\u52b2\u7684\u589e\u957f\u6f5c\u529b\u3002<br>Stripe \u7684\u670d\u52a1\u7f51\u7edc\u8986\u76d6\u7ecf\u6d4e\u751f\u6001\u7684\u5404\u4e2a\u5c42\u7ea7\uff1a\u4ece\u300a\u8d22\u5bcc\u300b100 \u5f3a\u4f01\u4e1a\u4e2d\u8d85\u8fc7\u534a\u6570\u7684\u5546\u4e1a\u5de8\u5934\uff0c\u5230 80% \u7684\u798f\u5e03\u65af\u4e91 100 \u5f3a\u4f01\u4e1a\u548c 78% \u7684\u798f\u5e03\u65af AI 50 \u5f3a\u4f01\u4e1a\uff0c\u518d\u5230\u901a\u8fc7 Stripe Atlas \u8bbe\u7acb\u7684\u521d\u521b\u516c\u53f8<strong>\uff08\u6bcf\u516d\u5bb6\u5728\u7279\u62c9\u534e\u5dde\u65b0\u6ce8\u518c\u7684\u4f01\u4e1a\u4e2d\uff0c\u5c31\u6709\u4e00\u5bb6\u4f7f\u7528 Stripe \u670d\u52a1\uff09\u3002<\/strong>\u8fd9\u4e9b\u4e0d\u540c\u89c4\u6a21\u7684\u4f01\u4e1a\u5ba2\u6237\u5c55\u73b0\u51fa\u5171\u540c\u7684\u7279\u5f81 \u2014\u2014 \u5353\u8d8a\u7684\u589e\u957f\u6f5c\u529b\u3002\u6570\u636e\u663e\u793a\uff0c\u901a\u8fc7 Stripe \u5e73\u53f0\u5904\u7406\u7684\u5546\u4e1a\u6536\u5165\u589e\u901f\u662f S&amp;P 500 \u6210\u5206\u80a1\u4f01\u4e1a\u6574\u4f53\u589e\u901f\u7684\u4e03\u500d\u3002<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 01 \u2014\u2014 \u521b\u9020\u6027\u7834\u574f\u4e0e\u91cd\u5efa<\/strong><\/h2>\n\n\n\n<p>\u7f8e\u56fd\u4f01\u4e1a\u754c\u65e2\u5b55\u80b2\u4e86\u65e0\u6570\u521b\u65b0\uff0c\u4e5f\u89c1\u8bc1\u4e86\u8bb8\u591a\u516c\u53f8\u7684\u5174\u8870\u3002\u5728 S&amp;P 500 \u6307\u6570\u4e8e 1957 \u5e74\u9996\u6b21\u53d1\u5e03\u7684 500 \u5bb6\u6210\u5206\u80a1\u4f01\u4e1a\u4e2d\uff0c\u5982\u4eca\u4ec5\u6709 53 \u5bb6\u4ecd\u7559\u5728\u8be5\u6307\u6570\u4e2d\u3002\u5176\u4e2d\uff0c\u8d85\u8fc7\u534a\u6570\u7684\u5e78\u5b58\u4f01\u4e1a\u6b63\u5728\u4f7f\u7528 Stripe \u7684\u670d\u52a1\uff0c\u5f70\u663e\u4e86 Stripe \u5728\u652f\u6301\u957f\u671f\u7a33\u5b9a\u589e\u957f\u4e2d\u7684\u91cd\u8981\u4f5c\u7528\u3002<\/p>\n\n\n\n<p>\u4f01\u4e1a\u7684\u5b58\u7eed\u5468\u671f\u6b63\u5728\u52a0\u901f\u7f29\u77ed\uff1a1957 \u5e74\uff0cS&amp;P 500 \u6210\u5206\u80a1\u4f01\u4e1a\u5e73\u5747\u5728\u6307\u6570\u4e2d\u7684\u7559\u5b58\u65f6\u95f4\u4e3a 61 \u5e74\uff1b\u5230 1980 \u5e74\uff0c\u8fd9\u4e00\u5468\u671f\u7f29\u77ed\u81f3 36 \u5e74\uff1b\u5982\u4eca\uff0c\u5df2\u4e0d\u8db3 20 \u5e74\u3002\u5546\u4e1a\u4e16\u754c\u7684\u5e38\u9752\u6811\u6b63\u53d8\u5f97\u6108\u53d1\u7f55\u89c1\u3002<\/p>\n\n\n\n<p>\u8bb8\u591a\u5386\u53f2\u60a0\u4e45\u7684\u4f01\u4e1a\u6b63\u5728\u5bfb\u6c42\u73b0\u4ee3\u5316\u8f6c\u578b\uff0c\u4ee5\u9002\u5e94\u5feb\u901f\u53d8\u5316\u7684\u5546\u4e1a\u73af\u5883\u3002\u4e3a\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\uff0c\u5b83\u4eec\u9009\u62e9\u4e86\u4e0e Stripe \u5408\u4f5c\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u62e5\u6709\u6570\u767e\u5e74\u5386\u53f2\u7684\u4f01\u4e1a\u5982\u4f55\u501f\u52a9 Stripe \u5b9e\u73b0\u6570\u5b57\u5316\u5347\u7ea7\u7684\u5b9e\u4f8b\uff1a<\/p>\n\n\n\n<ul>\n<li>\u725b\u6d25\u5927\u5b66\uff08\u6210\u7acb\u4e8e 1096 \u5e74\uff09\uff1a\u73b0\u5728\u63a5\u53d7\u5b66\u751f\u5728\u7ebf\u652f\u4ed8\uff0c\u5b66\u751f\u53ef\u4ee5\u4f7f\u7528 Apple Pay \u6216 Link \u652f\u4ed8\u8d2d\u4e70\u4e66\u7c4d\u6216\u5212\u8247\u4ff1\u4e50\u90e8\u4f1a\u5458\u7684\u8d39\u7528\u3002<\/li>\n\n\n\n<li>\u82f1\u683c\u5170\u6559\u4f1a\uff08\u6210\u7acb\u4e8e 1534 \u5e74\uff09\uff1a\u5df2\u5b9e\u73b0\u5728\u7ebf\u6350\u6b3e\uff0c\u5e76\u901a\u8fc7\u6570\u5b57\u5316\u7a0b\u5e8f\u4e3a\u82f1\u56fd 16,000 \u591a\u4e2a\u6559\u533a\u6559\u5802\u63d0\u4f9b\u8d44\u91d1\u652f\u6301\u3002<\/li>\n\n\n\n<li>\u7231\u5c14\u5170\u76d6\u5c14\u8fd0\u52a8\u534f\u4f1a\uff08\u6210\u7acb\u4e8e 1884 \u5e74\uff09\uff1a\u5df2\u5c06\u5176\u8986\u76d6\u7684 2,200 \u4e2a\u4ff1\u4e50\u90e8\u548c 60 \u4e07\u540d\u4f1a\u5458\u6570\u5b57\u5316\uff0c\u8fde\u63a5\u4e86\u7231\u5c14\u5170\u53ca\u5168\u7403\u7684\u4f1a\u5458\u7f51\u7edc\u3002<\/li>\n\n\n\n<li>\u597d\u65f6\u516c\u53f8\uff08\u6210\u7acb\u4e8e 1894 \u5e74\uff09\uff1a\u8ba9\u5de7\u514b\u529b\u7231\u597d\u8005\u53ef\u4ee5\u76f4\u63a5\u5728\u7ebf\u8d2d\u4e70\uff0c\u4ece\u597d\u65f6\u4e4b\u543b\u5de7\u514b\u529b\u5230\u91cc\u65af\u82b1\u751f\u5de7\u514b\u529b\u7b49\u4ea7\u54c1\u5747\u53ef\u5927\u91cf\u8ba2\u8d2d\u3002<\/li>\n\n\n\n<li>\u767e\u4e8b\u516c\u53f8\uff08\u6210\u7acb\u4e8e 1898 \u5e74\uff09\uff1a\u4e3a\u5546\u4e1a\u5ba2\u6237\uff08\u5982\u9910\u9986\u548c\u6742\u8d27\u5e97\uff09\u8282\u7701\u65f6\u95f4\uff0c\u5141\u8bb8\u4ed6\u4eec\u81ea\u52a8\u8865\u8d27\u4f73\u5f97\u4e50\u3001SodaStream\u3001\u6447\u6eda\u660e\u661f\u80fd\u91cf\u996e\u6599\u3001\u4e50\u4e8b\u85af\u7247\u548c\u591a\u529b\u591a\u6ecb\u7b49\u54c1\u724c\u4ea7\u54c1\u3002<\/li>\n\n\n\n<li>Comcast\uff08\u6210\u7acb\u4e8e 1963 \u5e74\uff09\uff1a\u5b9e\u73b0\u4e86\u7535\u89c6\u5e7f\u544a\u9884\u8ba2\u6d41\u7a0b\u7684\u81ea\u52a8\u5316\u3002\u901a\u8fc7\u901a\u7528\u5e7f\u544a\u5e73\u53f0\uff0c\u4efb\u4f55\u4eba\u90fd\u53ef\u4ee5\u50cf\u5728 Facebook \u4e0a\u4e00\u6837\u8f7b\u677e\u8d2d\u4e70\u7535\u89c6\u5e7f\u544a\u4f4d\uff0c\u5e76\u5728 NBC \u73af\u7403\u6216\u798f\u514b\u65af\u4e0a\u6295\u653e\u5e7f\u544a\u3002<\/li>\n\n\n\n<li>NVIDIA\uff08\u6210\u7acb\u4e8e 1993 \u5e74\uff09\uff1a\u5141\u8bb8\u5f00\u53d1\u8005\u81ea\u52a9\u8d2d\u4e70\u56fe\u5f62\u5904\u7406\u5668\uff0c\u5e76\u5c06\u8ba1\u7b97\u80fd\u529b\u4f5c\u4e3a\u4e91\u670d\u52a1\u51fa\u552e\uff0c\u4e3a\u5f00\u53d1\u8005\u63d0\u4f9b\u66f4\u7075\u6d3b\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/li>\n\n\n\n<li>Perplexity\uff08\u6210\u7acb\u4e8e 2022 \u5e74\uff09\uff1a\u4f5c\u4e3a\u4e00\u4e2a\u6bcf\u6708\u62e5\u6709 5 \u4ebf\u6b21\u67e5\u8be2\u7684\u4eba\u5de5\u667a\u80fd\u641c\u7d22\u5f15\u64ce\uff0cPerplexity \u6b63\u5728\u901a\u8fc7 Stripe \u4ece\u4f20\u7edf\u7684\u4eba\u7c7b\u5546\u4e1a\u8f6c\u5411\u673a\u5668\u5546\u4e1a\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5728\u4f17\u591a\u6848\u4f8b\u4e2d\uff0c\u4e0d\u5c11\u4f01\u4e1a\u901a\u8fc7 Stripe \u91cd\u5851\u4e86\u5176\u5546\u4e1a\u6a21\u5f0f\u3002\u53e6\u4e00\u4e9b\u4f01\u4e1a\u5219\u65e8\u5728\u4ece\u73b0\u6709\u4e1a\u52a1\u4e2d\u63d0\u5347\u6536\u5165\uff0c\u5e76\u53d6\u5f97\u4e86\u663e\u8457\u6210\u6548\u3002\u8fd9\u4e9b\u6210\u529f\u6848\u4f8b\u4e2d\uff0c\u53bb\u5e74\u5c24\u4e3a\u5f15\u4eba\u6ce8\u76ee\u7684\u662f\u4ee5\u4e0b\u51e0\u4e2a\u5b9e\u4f8b\uff1a<\/p>\n\n\n\n<ul>\n<li>Hertz\uff1a\u5728 2024 \u5e74\u5c06\u652f\u4ed8\u7cfb\u7edf\u8fc1\u79fb\u81f3 Stripe \u540e\uff0c\u5176\u5728\u7ebf\u652f\u4ed8\u7684\u6388\u6743\u7387\u589e\u957f\u4e86 4%\uff0c\u663e\u8457\u63d0\u5347\u4e86\u652f\u4ed8\u6210\u529f\u7387\u3002<\/li>\n\n\n\n<li>Turo\uff1a\u4f5c\u4e3a\u5168\u7403\u6700\u5927\u7684\u6c7d\u8f66\u5171\u4eab\u5e02\u573a\uff0cTuro\u901a\u8fc7\u4f7f\u7528 Stripe \u7684\u4f18\u5316\u7ed3\u8d26\u5957\u4ef6\uff0c\u6536\u5165\u989d\u5916\u589e\u957f\u4e86 4.7%\uff0c\u76f8\u5f53\u4e8e\u6bcf\u5e74\u989d\u5916\u589e\u52a0\u4e86 1.14 \u4ebf\u7f8e\u5143\u3002<\/li>\n\n\n\n<li>Intercom\uff1a\u8f6c\u79fb\u81f3 Stripe \u7684\u8ba1\u8d39\u7cfb\u7edf\u540e\uff0c\u8f6c\u5316\u7387\u63d0\u5347\u4e86 2.1%\uff0c\u540c\u65f6\u5927\u5e45\u51cf\u5c11\u4e86\u5f00\u53d1\u4eba\u5458\u7684\u5de5\u4f5c\u91cf\uff0c\u4f18\u5316\u4e86\u8fd0\u8425\u6548\u7387\u3002<\/li>\n\n\n\n<li>Forbes\uff1a\u5207\u6362\u5230 Stripe \u6765\u7ba1\u7406\u8ba2\u9605\u652f\u4ed8\u7cfb\u7edf\uff0c\u4ec5\u5728\u8fc7\u53bb 6 \u4e2a\u6708\u4e2d\uff0c\u5176\u6536\u5165\u589e\u957f\u4e86 23%\uff0c\u5c55\u73b0\u4e86\u5f3a\u52b2\u7684\u589e\u957f\u6f5c\u529b\u3002<\/li>\n\n\n\n<li>\u6fb3\u5927\u5229\u4e9a\u65b0\u95fb\u96c6\u56e2\uff08News Corp Australia\uff09\uff1a\u4f5c\u4e3a\u6fb3\u5927\u5229\u4e9a\u5929\u7a7a\u65b0\u95fb\u7684\u6bcd\u516c\u53f8\uff0c\u8be5\u516c\u53f8\u652f\u4ed8\u6388\u6743\u7387\u63d0\u5347\u4e86 5%\u3002\u6b64\u5916\uff0c\u8fd8\u6210\u529f\u7559\u4f4f\u4e86\u8d85\u8fc7 10,000 \u540d\u539f\u672c\u53ef\u80fd\u6d41\u5931\u7684\u8bfb\u8005\uff0c\u8fdb\u4e00\u6b65\u5de9\u56fa\u4e86\u7528\u6237\u57fa\u7840\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u8fd9\u4e9b\u6539\u8fdb\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u5f97\u76ca\u4e8e Stripe \u6570\u636e\u7f51\u7edc\u7684\u5e7f\u6cdb\u8986\u76d6\uff1a<strong>\u6211\u4eec\u57fa\u4e8e\u5e9e\u5927\u7684\u7ecf\u6d4e\u9886\u57df\u6570\u636e\u96c6\uff0c\u6301\u7eed\u8bad\u7ec3\u6570\u5341\u4e2a\u673a\u5668\u5b66\u4e60\u6a21\u578b\uff0c\u4ee5\u4f18\u5316\u4ea4\u6613\u6d41\u7a0b\u7684\u5173\u952e\u73af\u8282\u3002<\/strong>\u8fd9\u4e9b\u4f18\u5316\u63aa\u65bd\u5e26\u6765\u4e86\u663e\u8457\u6210\u6548\uff0c\u76f4\u63a5\u63d0\u5347\u4e86\u4f01\u4e1a\u7684\u6574\u4f53\u8425\u6536\u80fd\u529b \u2014\u2014 \u6570\u636e\u663e\u793a\uff0c\u6539\u7528 Stripe \u7684\u4f01\u4e1a\u666e\u904d\u5b9e\u73b0\u4e86\u6536\u5165\u589e\u957f\u3002<\/p>\n\n\n\n<p>\u6210\u719f\u4f01\u4e1a\u9009\u62e9 Stripe \u7684\u53e6\u4e00\u5173\u952e\u56e0\u7d20\u5728\u4e8e\u652f\u4ed8\u9886\u57df\u7684\u5feb\u901f\u6f14\u53d8\u3002\u4f01\u4e1a\u9700\u8981\u5e94\u5bf9\u65e5\u76ca\u590d\u6742\u7684\u6b3a\u8bc8\u624b\u6bb5\u3001\u6d88\u8d39\u8005\u65e5\u6e10\u63d0\u5347\u7684\u670d\u52a1\u671f\u671b\uff0c\u4ee5\u53ca AI \u63a8\u52a8\u7684\u5546\u4e1a\u4f53\u9a8c\u53d8\u9769\u3002\u6211\u4eec\u7684\u5ba2\u6237\u6df1\u77e5\uff1a\u4f9d\u8d56\u4f20\u7edf\u652f\u4ed8\u5e73\u53f0\u5c06\u96be\u4ee5\u6ee1\u8db3\u5e02\u573a\u9700\u6c42\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 02 \u2014\u2014 AI<\/strong><\/h2>\n\n\n\n<p>Stripe \u5e73\u53f0\u6b63\u5728\u89c1\u8bc1\u4eba\u5de5\u667a\u80fd\uff08AI\uff09\u9886\u57df\u7684\u663e\u8457\u589e\u957f\u3002\u6211\u4eec\u7684\u5408\u4f5c\u4f19\u4f34\u6db5\u76d6\u4ece\u884c\u4e1a\u5de8\u5934\u5230\u65b0\u5174\u9886\u57df\u7684\u591a\u6837\u5316\u4f01\u4e1a\uff0c\u5305\u62ec OpenAI\u3001Anthropic\u3001Midjourney\u3001Suno\u3001Perplexity\u3001ElevenLabs\u3001LangChain\u3001Pinecone\u3001Mistral\u3001Cohere\u3001Sierra\u3001Decagon \u548c Invideo \u7b49\u3002\u8fd9\u4e9b\u4f01\u4e1a\u65e2\u6709\u884c\u4e1a\u9886\u519b\u8005\uff0c\u4e5f\u6709\u6b63\u5728\u5d1b\u8d77\u7684\u6280\u672f\u521b\u65b0\u8005\u3002\u636e 2024 \u5e74\u6570\u636e\u663e\u793a\uff0c\u8fd9\u4e9b\u4f01\u4e1a\u6b63\u4ee5\u521b\u7eaa\u5f55\u7684\u901f\u5ea6\u6784\u5efa\u5546\u4e1a\u751f\u6001\u3002<\/p>\n\n\n\n<p>\u4ee5 AI \u9a71\u52a8\u7684\u7f16\u7a0b\u52a9\u624b Cursor \u4e3a\u4f8b\uff0c\u5176\u5728\u77ed\u77ed 3 \u5e74\u5185\u5b9e\u73b0\u4e86\u8d85\u8fc7 1 \u4ebf\u7f8e\u5143\uff08\u7ea6 7.2 \u4ebf\u4eba\u6c11\u5e01\uff09\u7684\u5e74\u6536\u5165\u3002\u66f4\u5177\u4ee3\u8868\u6027\u7684\u662f Lovable\uff083 \u4e2a\u6708\u5185\u8fbe\u6210 1,700 \u4e07\u7f8e\u5143 ARR\uff09\u3001Bolt\uff082 \u4e2a\u6708\u7a81\u7834 2,000 \u4e07\u7f8e\u5143 ARR\uff09\u548c Qodo \u7b49\u516c\u53f8\u3002\u8fd9\u4e9b\u4f01\u4e1a\u7684\u5feb\u901f\u5d1b\u8d77\u5145\u5206\u8bc1\u660e\uff0c\u968f\u7740 AI \u6280\u672f\u7684\u6210\u719f\u4e0e\u666e\u53ca\uff0c\u5c06\u8f6f\u4ef6\u521b\u610f\u8f6c\u5316\u4e3a\u5546\u4e1a\u5e94\u7528\u7684\u58c1\u5792\u6b63\u5728\u88ab\u9769\u547d\u6027\u964d\u4f4e\u3002<\/p>\n\n\n\n<p>\u6b63\u5982 SaaS \u6280\u672f\u4ece\u6a2a\u5411\u62d3\u5c55\u5230\u5782\u76f4\u6df1\u8015\u7684\u8def\u5f84\uff08\u5982\u4ece Salesforce \u5230 Toast \u7684\u6f14\u8fdb\uff09\uff0cAI \u7684\u53d1\u5c55\u4e5f\u5728\u91cd\u6f14\u8fd9\u4e00\u8f68\u8ff9\uff1a\u5728\u57fa\u7840\u5c42\u7684 ChatGPT \u63a8\u52a8\u4e0b\uff0c\u5782\u76f4\u9886\u57df\u5de5\u5177\u6b63\u8fce\u6765\u5feb\u901f\u53d1\u5c55\u3002\u90e8\u5206\u89c2\u5bdf\u8005\u6216\u5c06\u8fd9\u7c7b\u521d\u521b\u4f01\u4e1a\u7b80\u5355\u89c6\u4e3a\u201cLLM \u5c01\u88c5\u5c42\u201d\uff0c\u4f46\u8fd9\u5ffd\u89c6\u4e86\u5176\u6df1\u5c42\u4ef7\u503c\u3002\u4ece\u7ecf\u6d4e\u5b66\u4e2d\u7684 O \u578b\u73af\u7406\u8bba\u6765\u770b\uff0c\u5728\u9ad8\u5ea6\u5173\u8054\u7684\u751f\u4ea7\u73af\u8282\u4e2d\uff0c\u6574\u4f53\u6548\u7387\u5f80\u5f80\u53d7\u5236\u4e8e\u6700\u8584\u5f31\u7684\u73af\u8282\uff0c \u8fd9\u4e0d\u4ec5\u5f71\u54cd\u6210\u672c\u7ed3\u6784\uff0c\u66f4\u51b3\u5b9a\u7cfb\u7edf\u7684\u5168\u5c40\u6210\u8d25\u3002\u57fa\u4e8e\u8fd9\u4e00\u7406\u8bba\uff0c\u5782\u76f4\u9886\u57df AI \u89e3\u51b3\u65b9\u6848\u7684\u6838\u5fc3\u4ef7\u503c\u5728\u4e8e\uff1a\u901a\u8fc7\u884c\u4e1a\u573a\u666f\u9002\u914d\u3001\u6570\u636e\u95ed\u73af\u6784\u5efa\u4e0e\u5de5\u4f5c\u6d41\u6df1\u5ea6\u6574\u5408\uff0c\u4f18\u5316 LLM \u7684\u7ecf\u6d4e\u6548\u80fd\u3002\u8fd9\u79cd\u7cfb\u7edf\u7ea7\u7684\u8d4b\u80fd\u5c06\u521b\u9020\u6301\u4e45\u5546\u4e1a\u4ef7\u503c\u3002<\/p>\n\n\n\n<p>\u8fd9\u7c7b\u6848\u4f8b\u6db5\u76d6\u591a\u4e2a\u884c\u4e1a\uff1a\u5728\u533b\u7597\u9886\u57df\uff0cAbridge\u3001Nabla \u548c DeepScribe \u6b63\u5728\u91cd\u5851\u533b\u7597\u670d\u52a1\u4e0e\u60a3\u8005\u62a4\u7406\uff0c\u901a\u8fc7\u81ea\u52a8\u5316\u8bb0\u5f55\u548c\u5206\u6790\u63d0\u5347\u8bca\u7597\u6548\u7387\uff1b\u5728\u623f\u5730\u4ea7\u9886\u57df\uff0cStudeo \u6b63\u9769\u65b0\u623f\u4ea7\u8425\u9500\u65b9\u5f0f\uff0c\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u66f4\u76f4\u89c2\u7684\u5c55\u793a\u5de5\u5177\u3002\u5efa\u7b51\u5e08\u501f\u52a9 SketchPro \u8f93\u5165\u6587\u5b57\u6307\u4ee4\u5373\u53ef\u751f\u6210\u5b9e\u65f6\u8bbe\u8ba1\u65b9\u6848\uff0c\u663e\u8457\u7f29\u77ed\u8bbe\u8ba1\u5468\u671f\uff1b\u9910\u996e\u884c\u4e1a\u4e2d\uff0cSlang.ai \u5e2e\u52a9\u9910\u5385\u9ad8\u6548\u5904\u7406\u7535\u8bdd\u8ba2\u9910\u670d\u52a1\uff0c\u800c\u7269\u4e1a\u7ba1\u7406\u8005\u5219\u4f9d\u6258 HostAl \u6574\u5408\u5168\u6e20\u9053\u5ba2\u6237\u652f\u6301\uff0c\u63d0\u5347\u670d\u52a1\u8d28\u91cf\u3002\u6cd5\u5f8b\u884c\u4e1a\u4e5f\u5728\u5feb\u901f\u5e94\u7528 AI \u6280\u672f\uff0cHarvey \u516c\u53f8\u5f00\u53d1\u7684 AI \u6cd5\u5f8b\u52a9\u624b\u5df2\u88ab\u591a\u5bb6\u300a\u8d22\u5bcc\u300b500 \u5f3a\u4f01\u4e1a\u91c7\u7528\uff0c\u5176 2024 \u5e74\u8425\u6536\u540c\u6bd4\u589e\u957f\u56db\u500d\u3002<\/p>\n\n\n\n<p>AI \u6b63\u5728\u91cd\u5851\u7535\u5b50\u5546\u52a1\u7684\u57fa\u7840\u8fd0\u4f5c\u6a21\u5f0f\u3002\u4ece\u4f18\u5316\u7528\u6237\u7ed3\u8d26\u6d41\u7a0b\u5230\u4e3a AI Agent \u8bbe\u8ba1\u4e13\u5c5e\u652f\u4ed8\u65b9\u6848\uff0c\u6280\u672f\u7684\u91cd\u70b9\u6b63\u5728\u9010\u6b65\u8f6c\u79fb\u3002\u901a\u8fc7\u53bb\u5e74 11 \u6708\u63a8\u51fa\u7684 Agent SDK\uff0c\u4f01\u4e1a\u53ef\u501f\u52a9 Stripe Issuing \u751f\u6210\u7684\u865a\u62df\u4fe1\u7528\u5361\uff0c\u4fbf\u6377\u7ba1\u7406\u667a\u80fd\u4f53\u7684\u652f\u4ed8\u884c\u4e3a \u2014\u2014 \u7cfb\u7edf\u5185\u7f6e\u7a0b\u5e8f\u5316\u5ba1\u6279\u673a\u5236\uff0c\u786e\u4fdd\u667a\u80fd\u4f53\u4ec5\u6267\u884c\u6388\u6743\u91c7\u8d2d\u6307\u4ee4\u3002\uff08\u5f53\u7136\uff0c\u6211\u4eec\u5185\u7f6e\u4e86\u6d88\u8d39\u7ba1\u63a7\u529f\u80fd\uff1a\u6bd5\u7adf\u8c01\u90fd\u4e0d\u5e0c\u671b\u50cf\u7535\u5f71\u300a\u7ec8\u7ed3\u8005\u300b\u4e2d\u5931\u63a7\u7684 T-1000 \u6db2\u6001\u673a\u5668\u4eba\u90a3\u6837\uff0c\u51fa\u73b0\u5bb6\u5ead\u4fe1\u7528\u5361\u88ab\u8086\u610f\u5237\u7206\u7684\u707e\u96be\u573a\u666f\u3002\uff09<\/p>\n\n\n\n<p>\u6211\u4eec\u7684\u667a\u80fd\u4f53\u5f00\u53d1\u5957\u4ef6\u6bcf\u5468\u4e0b\u8f7d\u91cf\u8fbe\u6570\u5343\u6b21\uff0c\u5df2\u6210\u4e3a\u4f17\u591a\u521d\u521b\u4f01\u4e1a\u5f00\u53d1\u9ad8\u6548\u81ea\u4e3b\u667a\u80fd\u4f53\u7684\u91cd\u8981\u5de5\u5177\u3002ElevenLabs \u501f\u52a9\u8be5\u5957\u4ef6\u5b9e\u73b0\u4e86\u8bed\u97f3\u5ba2\u670d\u7cfb\u7edf\u7684\u81ea\u52a8\u5316\u5347\u7ea7\uff0c\u8986\u76d6\u8ba2\u9605\u670d\u52a1\u4e0e\u9000\u6b3e\u6d41\u7a0b\u7684\u9ad8\u6548\u7ba1\u7406\uff1bPerplexity \u548c Payman \u5219\u57fa\u4e8e Stripe \u7684\u89e3\u51b3\u65b9\u6848\uff0c\u6784\u5efa\u4e86\u8d44\u91d1\u6d41\u8f6c\u6a21\u5f0f\u7684\u667a\u80fd\u5316\u5347\u7ea7\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u6b63\u901a\u8fc7\u6301\u7eed\u521b\u65b0\uff0c\u4e3a Stripe \u6784\u5efa\u670d\u52a1\u672a\u6765\u7ecf\u6d4e\u7684\u6218\u7565\u6846\u67b6 \u2014\u2014&nbsp;<strong>2024 \u5e74\uff0c\u5df2\u6709\u8d85\u8fc7 700 \u5bb6 AI Agent \u521d\u521b\u516c\u53f8\u5c06 Stripe \u4f5c\u4e3a\u6838\u5fc3\u57fa\u7840\u8bbe\u65bd\uff0c\u9884\u8ba1\u5230 2025 \u5e74\uff0c\u5165\u9a7b\u4f01\u4e1a\u6570\u91cf\u5c06\u8fdc\u8d85\u8fd9\u4e00\u89c4\u6a21<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 03<\/strong>\u2014\u2014&nbsp;<strong>&#8211; WF Research<\/strong><\/h2>\n\n\n\n<p><strong>\u5782\u76f4 SaaS\uff1a\u5b9e\u4f53\u4f01\u4e1a\u7684\u52a0\u901f\u5242<\/strong><\/p>\n\n\n\n<p><strong>2005 \u81f3 2017 \u5e74\u95f4\uff0c\u7279\u8bb8\u7ecf\u8425\u6a21\u5f0f\u7684\u6269\u5f20\u4f7f\u7f8e\u56fd\u72ec\u7acb\u62ab\u8428\u5e97\u6570\u91cf\u4e0d\u65ad\u51cf\u5c11\u3002\u7136\u800c\uff0c2017 \u5e74\uff0c\u8fd9\u4e00\u8d8b\u52bf\u5f00\u59cb\u9006\u8f6c\uff0c\u5230 2023 \u5e74\uff0c\u5168\u7f8e\u65b0\u5f00\u8bbe\u7684\u72ec\u7acb\u62ab\u8428\u5e97\u6570\u91cf\u521b\u4e0b\u5386\u53f2\u65b0\u9ad8\u3002<\/strong><\/p>\n\n\n\n<p>\u6211\u4eec\u8ba4\u4e3a\uff0c\u5782\u76f4\u9886\u57df\u00a0SaaS \u5e73\u53f0\u7684\u5d1b\u8d77\u662f\u8fd9\u4e00\u53d8\u5316\u7684\u5173\u952e\u9a71\u52a8\u56e0\u7d20\u3002\u4ee5\u4e13\u6ce8\u62ab\u8428\u884c\u4e1a\u7684 Slice \u5e73\u53f0\u4e3a\u4f8b\uff0c\u65b0\u5165\u5c40\u8005\u901a\u8fc7\u8be5\u5e73\u53f0\u53ef\u5feb\u901f\u83b7\u53d6\u4ee5\u4e0b\u5168\u5957\u89e3\u51b3\u65b9\u6848\uff1a\u65b0\u5165\u5c40\u8005\u901a\u8fc7\u8be5\u5e73\u53f0\u63d0\u4f9b\u54c1\u724c\u6807\u8bc6\u8bbe\u8ba1\u3001\u4e13\u5c5e\u7f51\u7ad9\u642d\u5efa\u3001\u667a\u80fd\u652f\u4ed8\u7cfb\u7edf\u3001\u6570\u5b57\u5316\u8ba2\u5355\u7ba1\u7406\u3001\u7cbe\u51c6\u8425\u9500\u5de5\u5177\u53ca\u54c1\u724c\u5b9a\u5236\u5305\u88c5\u7b49\u5168\u5957\u89e3\u51b3\u65b9\u6848\uff0c\u5168\u9762\u8986\u76d6\u62ab\u8428\u5e97\u8fd0\u8425\u7684\u6838\u5fc3\u73af\u8282\uff08\u9664\u70e4\u7bb1\u8bbe\u5907\u4e0e\u72ec\u5bb6\u9171\u6599\u914d\u65b9\u5916\uff09\u3002\u8fd9\u4e00\u6a21\u5f0f\u5e2e\u52a9\u72ec\u7acb\u5546\u6237\u5728\u4fdd\u6301\u7ecf\u8425\u81ea\u4e3b\u6743\u7684\u540c\u65f6\uff0c\u83b7\u5f97\u8fde\u9501\u4f01\u4e1a\u7ea7\u7684\u89c4\u6a21\u5316\u8fd0\u8425\u80fd\u529b\u3002<\/p>\n\n\n\n<p>\u5982\u4eca\uff0c\u5168\u7f8e 60% \u7684\u5c0f\u578b\u4f01\u4e1a\u901a\u8fc7\u5782\u76f4\u9886\u57df SaaS \u5e73\u53f0\u5b9e\u73b0\u6570\u5b57\u5316\u8fd0\u8425\uff1a\u56ed\u6797\u517b\u62a4\u516c\u53f8\u4f9d\u6258 SingleOps \u8fdb\u884c\u5de5\u5355\u7ba1\u7406\uff1b\u62d6\u8f66\u4f01\u4e1a\u8fd0\u7528 Traxero \u642d\u5efa\u8c03\u5ea6\u7cfb\u7edf\uff08\u8be5\u5e73\u53f0\u8fd8\u63d0\u4f9b\u4e13\u4e1a\u62d6\u8f66\u884c\u4e1a\u64ad\u5ba2\uff09\uff1b\u9152\u7c7b\u96f6\u552e\u5546\u91c7\u7528 Transformity \u7684 AI \u9a71\u52a8\u5e93\u5b58\u7ba1\u7406\u7cfb\u7edf\uff1b\u533b\u7f8e\u8bca\u6240\u521b\u4e1a\u8005\u901a\u8fc7 Moxie \u83b7\u53d6\u4ece\u8d44\u8d28\u5ba1\u6279\u5230\u5ba2\u6237\u7ba1\u7406\u7684\u5168\u6d41\u7a0b\u89e3\u51b3\u65b9\u6848\uff0c\u4e1a\u52a1\u90e8\u7f72\u53ef\u5728 30 \u5929\u5185\u5b8c\u6210\uff1b\u6cd5\u5f8b\u4e8b\u52a1\u6240\u4f7f\u7528 Clio \u5b9e\u73b0\u6848\u4ef6\u7ba1\u7406\u7684\u6570\u5b57\u5316\uff1b\u6cf3\u6c60\u6e05\u6d01\u516c\u53f8\u901a\u8fc7 Skimmer \u4f18\u5316\u670d\u52a1\u8c03\u5ea6\uff1b\u5b97\u6559\u573a\u6240\u6839\u636e\u9700\u6c42\u9009\u62e9 Planning Center\uff08\u6559\u5802\u6d3b\u52a8\u7ba1\u7406\uff09\u3001http:\/\/Tithe.ly\uff08\u6350\u8d60\u7cfb\u7edf\uff09\u3001Subsplash\uff08\u5a92\u4f53\u5e73\u53f0\uff09\u6216 Pushpay\uff08\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff09\u3002\u6b64\u5916\uff0c\u8fd8\u6709\u9488\u5bf9\u7279\u5b9a\u884c\u4e1a\u7684\u89e3\u51b3\u65b9\u6848\uff1aShulware\uff08\u72b9\u592a\u4f1a\u5802\u7ba1\u7406\u7cfb\u7edf\uff09\uff1bProcede\uff08\u5361\u8f66\u7ecf\u9500\u5546 ERP\uff09\uff1bMeadow Memorials\/Tribute Technology\uff08\u6ba1\u4eea\u6d41\u7a0b\u6570\u5b57\u5316\u5e73\u53f0\uff09\u3002<\/p>\n\n\n\n<p><strong>Stripe \u76ee\u524d\u4e3a 14,000 \u4f59\u5bb6\u5782\u76f4\u9886\u57df SaaS \u5e73\u53f0\u53ca\u5176\u4ed6\u4f01\u4e1a\u63d0\u4f9b\u652f\u4ed8\u57fa\u7840\u8bbe\u65bd\u3002<\/strong>\u6570\u636e\u663e\u793a\uff0c\u7f8e\u56fd\u5404\u7ec6\u5206\u9886\u57df\u7684\u4e2d\u5c0f\u4f01\u4e1a\u6b63\u901a\u8fc7\u4e13\u4e1a\u5316\u8f6f\u4ef6\u5e73\u53f0\u52a0\u901f\u89c4\u6a21\u5316\u589e\u957f \u2014\u2014&nbsp;<strong>\u63a5\u5165 Stripe \u5782\u76f4 SaaS \u7cfb\u7edf\u7684\u5546\u6237\u4e2d\uff0c\u6709 6.3% \u5728\u521b\u4e1a\u9996\u5e74\u5373\u7a81\u7834\u767e\u4e07\u7f8e\u5143\u8425\u6536\u95e8\u69db\uff0c\u8fd9\u4e00\u6bd4\u4f8b\u6bd4\u884c\u4e1a\u5e73\u5747\u6c34\u5e73\u9ad8\u51fa\u8fd1 60%\u3002<\/strong><\/p>\n\n\n\n<p>\u7f8e\u56fd GDP \u7684 43% \u7531\u5c0f\u4f01\u4e1a\u9a71\u52a8\uff0c\u8fd9\u4e9b\u4f01\u4e1a\u8574\u542b\u7740\u5de8\u5927\u7684\u53d1\u5c55\u6f5c\u529b\u3002\u7136\u800c\uff0c\u5176\u4e2d 77% \u8868\u793a\u96be\u4ee5\u83b7\u5f97\u53d1\u5c55\u8d44\u91d1\u3002\u5782\u76f4 SaaS \u5e73\u53f0\uff08\u5982\u4e0e Stripe Capital \u5408\u4f5c\uff09\u4e3a\u6b64\u63d0\u4f9b\u4e86\u89e3\u51b3\u65b9\u6848\u3002\u53bb\u5e74\uff0c\u6570\u5341\u4e07\u5bb6\u4f7f\u7528 Jobber \u6216 Housecall Pro \u7b49\u5e73\u53f0\u7684\u4f01\u4e1a\u4e3b\u5728\u767b\u5f55\u8d26\u6237\u65f6\uff0c\u53d1\u73b0\u5e73\u53f0\u5df2\u4e3a\u5176\u51c6\u5907\u597d\u53d1\u5c55\u8d44\u91d1\u7533\u8bf7\u901a\u9053\u3002\u8d44\u91d1\u53ef\u5728 48 \u5c0f\u65f6\u5185\u5230\u8d26\uff0c\u507f\u8fd8\u65b9\u5f0f\u6309\u8425\u6536\u6bd4\u4f8b\u81ea\u52a8\u6263\u9664\uff0c\u6574\u4e2a\u8fc7\u7a0b\u65e0\u9700\u7e41\u7410\u624b\u7eed\u6216\u590d\u6742\u5ba1\u6838\u3002\u6570\u636e\u663e\u793a\uff0c\u7edd\u5927\u591a\u6570\u8d44\u91d1\u63a5\u6536\u65b9\u5c06\u8d37\u6b3e\u7528\u4e8e\u62d3\u5c55\u6027\u6295\u8d44\uff0c\u4e14 98% \u7684\u4f01\u4e1a\u8868\u793a\u613f\u610f\u518d\u6b21\u4f7f\u7528\u6b64\u670d\u52a1\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u770b\u5230\uff0c\u5782\u76f4\u9886\u57df\u7684 SaaS \u5e73\u53f0\u5728\u91d1\u878d\u670d\u52a1\u4e4b\u5916\u5c55\u73b0\u51fa\u5de8\u5927\u7684\u53d1\u5c55\u6f5c\u529b\u3002\u6b64\u524d\u6211\u4eec\u63d0\u5230\u4e86\u5782\u76f4 AI \u7684\u5d1b\u8d77\uff0c\u56e0\u6b64\u5782\u76f4 SaaS \u516c\u53f8\u6210\u4e3a\u8fd9\u4e00\u8d8b\u52bf\u7684\u6838\u5fc3\u63a8\u52a8\u8005\u4e5f\u4e0d\u8db3\u4e3a\u5947\u3002\u4f8b\u5982\uff0cJobber Copilot \u5e2e\u52a9\u5bb6\u5ead\u670d\u52a1\u4f01\u4e1a\u5206\u6790\u6570\u636e\u3001\u5236\u5b9a\u8425\u9500\u8ba1\u5212\uff0c\u751a\u81f3\u81ea\u52a8\u56de\u590d\u5ba2\u6237\u6765\u7535\uff1bPractice Better \u4e3a\u533b\u7597\u4e13\u4e1a\u4eba\u58eb\u63d0\u4f9b\u9ad8\u6548\u8bb0\u5f55\u5de5\u5177\uff0c\u8ba9\u4ed6\u4eec\u5c06\u66f4\u591a\u7cbe\u529b\u6295\u5165\u60a3\u8005\u670d\u52a1\uff1b\u800c Fundraise Up \u5219\u4e3a\u6148\u5584\u673a\u6784\u63d0\u4f9b AI \u5de5\u5177\uff0c\u6fc0\u52b1\u6350\u8d60\u8005\u66f4\u52a0\u6177\u6168\u3002\u4ee5\u5f80\uff0c\u5c0f\u578b\u4f01\u4e1a\u5f80\u5f80\u9700\u8981\u591a\u5e74\u624d\u80fd\u4ece\u6280\u672f\u9769\u547d\u4e2d\u53d7\u76ca\uff0c\u800c\u5782\u76f4 SaaS \u6b63\u5c06 AI \u76f4\u63a5\u878d\u5165\u5c0f\u578b\u4f01\u4e1a\u7ecf\u6d4e\u7684\u6838\u5fc3\u3002<\/p>\n\n\n\n<p>\u5782\u76f4 SaaS \u8d77\u6e90\u4e8e\u7f8e\u56fd\uff0c\u5982\u4eca\u5df2\u6210\u4e3a\u5168\u7403\u8d8b\u52bf\u3002<strong>\u6fb3\u5927\u5229\u4e9a\u6709\u8d85\u8fc7\u56db\u5206\u4e4b\u4e00\u7684\u5c0f\u578b\u4f01\u4e1a\u4f7f\u7528\u5782\u76f4 SaaS \u5e73\u53f0\uff0c\u82f1\u56fd\u7684\u8fd9\u4e00\u6bd4\u4f8b\u63a5\u8fd1\u4e94\u5206\u4e4b\u4e00\u3002\u65b0\u52a0\u5761\uff0814%\uff09\u3001\u6cd5\u56fd\uff088%\uff09\u548c\u5fb7\u56fd\uff085%\uff09<\/strong>\u7b49\u5e02\u573a\u867d\u5904\u4e8e\u53d1\u5c55\u521d\u671f\uff0c\u4f46\u666e\u53ca\u901f\u5ea6\u6781\u4e3a\u60ca\u4eba\u3002\u6211\u4eec\u770b\u5230\u4e00\u6279\u7279\u8272\u9c9c\u660e\u7684\u5782\u76f4 SaaS \u5e73\u53f0\u6b63\u5728\u5168\u7403\u5d1b\u8d77\uff1a\u6fb3\u5927\u5229\u4e9a\u7684 ServiceM8 \u548c Ignition \u5206\u522b\u670d\u52a1\u6280\u672f\u5de5\u4eba\u4e0e\u4e13\u4e1a\u670d\u52a1\u9886\u57df\uff0c\u5fb7\u56fd\u7684 allO \u4e13\u6ce8\u9910\u996e\u884c\u4e1a\uff0c\u897f\u73ed\u7259\u7684 Playtomic \u4e0e\u6cd5\u56fd\u7684 Anybuddy \u6df1\u8015\u4f53\u80b2\u4ff1\u4e50\u90e8\u573a\u666f\uff0c\u65b0\u52a0\u5761\u7684 Canterly \u5219\u805a\u7126\u9a6c\u672f\u7ba1\u7406\u9886\u57df\u3002<\/p>\n\n\n\n<p>\u5404\u56fd\u90fd\u5e0c\u671b\u6276\u6301\u4e2d\u5c0f\u4f01\u4e1a\u53d1\u5c55\uff0c\u4f46\u7ecf\u6d4e\u5b66\u7814\u7a76\u666e\u904d\u663e\u793a\uff0c\u5927\u578b\u4f01\u4e1a\u5728\u6280\u672f\u5e94\u7528\u65b9\u9762\u5f80\u5f80\u66f4\u5177\u4f18\u52bf\u3002\u5782\u76f4 SaaS \u6b63\u662f\u5e2e\u52a9\u4e2d\u5c0f\u4f01\u4e1a\u5145\u5206\u91ca\u653e\u8f6f\u4ef6\u3001\u4e92\u8054\u7f51\u4e0e AI \u6f5c\u529b\u7684\u5173\u952e\u89e3\u51b3\u65b9\u6848\u3002\u8fd9\u4e5f\u89e3\u91ca\u4e86\u4e3a\u4f55\u5177\u5907\u4e92\u8054\u7f51\u539f\u751f\u7279\u8d28\u7684\u53ef\u7f16\u7a0b\u91d1\u878d\u670d\u52a1\u81f3\u5173\u91cd\u8981 \u2014\u2014 \u5b83\u4eec\u5982\u540c\u6570\u5b57\u65f6\u4ee3\u7684\u57fa\u7840\u8bbe\u65bd\uff0c\u4e3a\u5782\u76f4 SaaS \u5e73\u53f0\u7684\u7e41\u8363\u63d0\u4f9b\u5e95\u5c42\u652f\u6491\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 04 \u2014\u2014 \u5bf9\u6297\u89c4\u6a21\u5316\u6b3a\u8bc8<\/strong><\/h2>\n\n\n\n<p>\u6570\u5b57\u65f6\u4ee3\uff0c\u6b3a\u8bc8\u884c\u4e3a\u6b63\u4ee5\u60ca\u4eba\u901f\u5ea6\u541e\u566c\u5168\u7403\u7ecf\u6d4e \u2014\u2014 \u6b3a\u8bc8\u884c\u4e3a\u5e73\u5747\u5bfc\u81f4\u7535\u5546\u5e73\u53f0\u635f\u5931\u9ad8\u8fbe 3% \u7684\u8425\u6536\u3002\u5982\u4eca\u7684\u7f51\u7edc\u9ed1\u4ea7\u5df2\u5f62\u6210\u5b8c\u6574\u7684\u4ea7\u4e1a\u94fe\uff0c\u4e0d\u4ec5\u62e5\u6709\u5de5\u7a0b\u5e08\u3001\u6570\u636e\u5206\u6790\u5e08\u7b49\u4e13\u4e1a\u56e2\u961f\uff0c\u751a\u81f3\u5efa\u7acb\u4e86\u7c7b\u4f01\u4e1a\u5316\u7684\u7ba1\u7406\u67b6\u6784\uff08\u81f3\u4e8e\u662f\u5426\u8bbe\u7acb\u4e86\u4eba\u529b\u8d44\u6e90\u90e8\u95e8\uff0c\u5c1a\u65e0\u786e\u5207\u8bc1\u636e\uff0c\u5982\u6709\u77e5\u60c5\u8005\u6b22\u8fce\u63d0\u4f9b\u7ebf\u7d22\uff0c\u6211\u4eec\u5f88\u4e50\u610f\u4e3a\u201c\u884c\u4e1a\u53d1\u5c55\u201d\u63d0\u51fa\u5efa\u8bae\uff09\u3002\u8fd9\u4e9b\u72af\u7f6a\u7ec4\u7ec7\u6df1\u8c19\u653b\u9632\u8282\u594f\uff0c\u5f80\u5f80\u9009\u62e9\u53cd\u6b3a\u8bc8\u56e2\u961f\u8f6e\u4f11\u65f6\u6bb5\u53d1\u52a8\u653b\u51fb\uff0c\u5176\u4f5c\u6848\u9ad8\u5cf0\u96c6\u4e2d\u5728\u5468\u672b\u53ca\u5468\u4e00\u3002\u66f4\u4ee4\u4eba\u8b66\u89c9\u7684\u662f\uff0c\u8fd9\u4e9b\u7ec4\u7ec7\u7684\u4f5c\u6848\u89c4\u5f8b\u751a\u81f3\u4f53\u73b0\u51fa\u67d0\u79cd\u201c\u804c\u4e1a\u5316\u201d\u7684\u5de5\u4f5c\u8282\u594f\uff0c\u6bd4\u5982\u5bf9\u5348\u4f11\u65f6\u95f4\u7684\u4e25\u683c\u628a\u63a7\uff0c\u663e\u793a\u51fa\u8fd1\u4e4e\u4e25\u8c28\u7684\u201c\u5de5\u4f5c\u7eaa\u5f8b\u201d\u3002<\/p>\n\n\n\n<p>\u5728\u4f01\u4e1a\u652f\u4ed8\u5b89\u5168\u9886\u57df\uff0cStripe \u7684\u4fe1\u8a89\u7f51\u7edc\uff08Reputation Network\uff09\u59cb\u7ec8\u662f\u884c\u4e1a\u5185\u6700\u5177\u6548\u529b\u7684\u9632\u62a4\u673a\u5236\u3002\u4f9d\u6258\u9ad8\u8fbe 1.4 \u4e07\u4ebf\u7f8e\u5143\u7684\u5e74\u4ea4\u6613\u6570\u636e\u6c89\u6dc0\uff0c\u5e73\u53f0\u6784\u5efa\u51fa\u72ec\u7279\u7684\u81ea\u6211\u5f3a\u5316\u673a\u5236 \u2014\u2014 \u6bcf\u7b14\u6210\u529f\u4ea4\u6613\u90fd\u4e3a\u540e\u7eed\u652f\u4ed8\u7b51\u8d77\u66f4\u9ad8\u7684\u5b89\u5168\u58c1\u5792\uff0c\u5f62\u6210\u6301\u7eed\u52a0\u901f\u7684\u826f\u6027\u5faa\u73af\u3002Stripe \u7684\u96f7\u8fbe\u98ce\u63a7\u7cfb\u7edf\uff08Radar\uff09\u901a\u8fc7\u521b\u65b0\u7684\u591a\u7ef4\u4fe1\u4efb\u8bc4\u4f30\u4f53\u7cfb\uff0c\u8be5\u4f53\u7cfb\u4e0d\u4ec5\u8986\u76d6\u4fe1\u7528\u5361\u4fe1\u606f\uff0c\u8fd8\u7cbe\u51c6\u8ffd\u8e2a\u90ae\u7bb1\u5730\u5740\u3001IP \u5730\u5740\u3001\u7535\u8bdd\u53f7\u7801\u7b49\u903e\u4e8c\u5341\u9879\u6570\u5b57\u8db3\u8ff9\u3002\u501f\u52a9\u6df1\u5ea6\u4fe1\u4efb\u6a21\u578b\uff0cStripe \u80fd\u591f\u5b9e\u65f6\u89e3\u6790\u7528\u6237\u884c\u4e3a\u6307\u7eb9\uff0c\u5728\u6b63\u5e38\u64cd\u4f5c\u4e0e\u53ef\u7591\u6d3b\u52a8\u4e4b\u95f4\u6784\u5efa\u6beb\u7c73\u7ea7\u9884\u8b66\u8fb9\u754c\u3002<\/p>\n\n\n\n<p>\u5728\u6574\u4e2a\u8fc7\u7a0b\u4e2d\uff0c\u89c4\u6a21\u6548\u5e94\u81f3\u5173\u91cd\u8981\u3002\u57fa\u4e8e\u5e9e\u5927\u7684\u4ea4\u6613\u7f51\u7edc\uff0cStripe \u7cfb\u7edf\u6b64\u524d\u63a5\u89e6\u8fc7\u67d0\u5f20\u4fe1\u7528\u5361\u7684\u6982\u7387\u8d85\u8fc7 92%\u3002\u8fd9\u4e00\u9ad8\u8986\u76d6\u7387\u4f7f\u5f97\u5e73\u53f0\u80fd\u591f\u5c06\u5f53\u524d\u4ea4\u6613\u4e0e\u5386\u53f2\u884c\u4e3a\u6570\u636e\u8fdb\u884c\u7cbe\u51c6\u6bd4\u5bf9\u5206\u6790\u3002\u4f8b\u5982\uff0c\u5f53\u68c0\u6d4b\u5230\u67d0\u4fe1\u7528\u5361\u5173\u8054\u4f7f\u7528\u4e86\u4e00\u4e2a\u5168\u65b0\u6ce8\u518c\u7684\u7535\u5b50\u90ae\u7bb1\u65f6\uff0c\u8be5\u90ae\u7bb1\u7684\u201c\u65b0\u9c9c\u5ea6\u201d\u672c\u8eab\u4fbf\u4f1a\u89e6\u53d1\u98ce\u9669\u4fe1\u53f7\uff08\u76f8\u5173\u4ea4\u6613\u7684\u6b3a\u8bc8\u6982\u7387\u4f1a\u63d0\u5347 60%\uff09\u3002<\/p>\n\n\n\n<p>Stripe \u7cfb\u7edf\u8fd8\u80fd\u8bc6\u522b\u66f4\u4e3a\u9690\u6027\u7684\u98ce\u9669\u7279\u5f81\u3002\u901a\u8fc7\u673a\u5668\u5b66\u4e60\u673a\u5236\uff0c\u6211\u4eec\u5efa\u7acb\u4e86\u8d27\u8fd0\u4ee3\u7406\u516c\u53f8\u5730\u5740\u8bc6\u522b\u6a21\u578b \u2014\u2014 \u57fa\u4e8e\u8bf8\u5982\u5355\u4e2a\u6536\u8d27\u5730\u5740\u5173\u8054\u5f02\u5e38\u6570\u91cf\u7684\u72ec\u7acb\u4e70\u5bb6\u3001\u6536\u53d1\u8d27\u5730\u5740\u5730\u7406\u8ddd\u79bb\u663e\u8457\u504f\u79bb\u7b49\u5173\u952e\u53c2\u6570\uff0c\u5bf9\u8fd9\u4e9b\u98ce\u9669\u6307\u6807\u8fdb\u884c\u52a8\u6001\u6743\u91cd\u5206\u6790\u3002\uff08\u6211\u4eec\u59cb\u7ec8\u652f\u6301\u8de8\u5883\u5546\u8d38\u4fbf\u5229\u5316\uff0c\u4f46\u575a\u51b3\u9632\u8303\u9488\u5bf9\u65e0\u8f9c\u5546\u5bb6\u7684\u6b3a\u8bc8\u884c\u4e3a\u3002\uff09\u5c3d\u7ba1\u5355\u4e00\u6570\u636e\u7ef4\u5ea6\u65e0\u6cd5\u6784\u6210\u51b3\u5b9a\u6027\u8bc1\u636e\uff0c\u4f46\u901a\u8fc7\u6574\u5408\u5206\u6790\u6d77\u91cf\u6570\u636e\u7ef4\u5ea6\uff0c\u7cfb\u7edf\u6700\u7ec8\u80fd\u6784\u5efa\u51fa\u7cbe\u786e\u7684\u98ce\u9669\u8bc4\u4f30\u56fe\u8c31\u3002<\/p>\n\n\n\n<p>\u5728\u652f\u4ed8\u9886\u57df\uff0c\u6b3a\u8bc8\u662f\u4e00\u573a\u653b\u9632\u6218\uff1a\u6b3a\u8bc8\u8005\u603b\u662f\u5728\u4e0d\u65ad\u6539\u8fdb\u4ed6\u4eec\u7684\u624b\u6bb5\u3002\u53bb\u5e74\uff0c\u6211\u4eec\u53d1\u73b0\u4fe1\u7528\u5361\u6d4b\u8bd5\u8005\uff08\u5373\u975e\u6cd5\u5c1d\u8bd5\u8bc6\u522b\u6709\u6548\u4fe1\u7528\u5361\u4fe1\u606f\u7684\u884c\u4e3a\uff09\u5df2\u7ecf\u4ece\u7b80\u5355\u7684\u731c\u6d4b\u5361\u7247\u4fe1\u606f\u53d1\u5c55\u5230\u901a\u8fc7\u5728\u7ebf\u7a83\u53d6\u4fe1\u7528\u5361\u6570\u636e\u7684\u65b0\u65b9\u5f0f\u3002\u72af\u7f6a\u5206\u5b50\u5229\u7528\u793e\u4ea4\u5a92\u4f53\u4f20\u64ad\u865a\u5047\u7684\u7f51\u7ad9\uff0c\u8fd9\u4e9b\u7f51\u7ad9\u63d0\u4f9b\u770b\u4f3c\u201c\u597d\u5f97\u4e0d\u771f\u5b9e\u201d\u7684\u4f18\u60e0\uff0c\u76ee\u7684\u662f\u7a83\u53d6\u4f60\u7684\u4fe1\u7528\u5361\u53f7\u7801\u3002\u8fd9\u4e9b\u652f\u4ed8\u4fe1\u606f\u901a\u5e38\u4f1a\u88ab\u5206\u6279\u51fa\u552e\uff0c\u968f\u540e\u88ab\u72af\u7f6a\u5206\u5b50\u5728\u5b9e\u9645\u4ea4\u6613\u4e2d\u6d4b\u8bd5\u5176\u6709\u6548\u6027\u3002\u8981\u68c0\u6d4b\u8fd9\u79cd\u884c\u4e3a\u5e76\u4e0d\u5bb9\u6613\u3002\u6216\u8bb8\u4f60\u4f1a\u8ba4\u4e3a\uff0c\u6700\u76f4\u63a5\u7684\u65b9\u6cd5\u662f\u76d1\u63a7\u67d0\u4e2a\u5546\u5bb6\u7684\u652f\u4ed8\u91cf\u7a81\u7136\u6fc0\u589e\uff0c\u4f46\u8fd9\u79cd\u65b9\u6cd5\u5f80\u5f80\u5bb9\u6613\u4e0e\u6b63\u5e38\u60c5\u51b5\u6df7\u6dc6\uff0c\u6bd4\u5982\u95ea\u8d2d\u6d3b\u52a8\u6216\u65b0\u4ea7\u54c1\u53d1\u5e03 \u2014\u2014 \u800c\u8fd9\u4e9b\u65f6\u5019\u6070\u6070\u662f\u6700\u4e0d\u8be5\u8f7b\u6613\u5e72\u9884\u7684\uff01\u6b64\u5916\uff0c<strong>\u6211\u4eec\u7684\u53cd\u60c5\u62a5\u56e2\u961f\u8fd8\u4f1a\u6f5c\u4f0f\u5728\u4e00\u4e9b\u6697\u7edc\u7684\u804a\u5929\u7fa4\u7ec4\u4e2d\uff0c\u4e3b\u52a8\u5bfb\u627e\u88ab\u6cc4\u9732\u7684\u4fe1\u7528\u5361\u4fe1\u606f\uff0c\u5e76\u786e\u4fdd\u5b83\u4eec\u88ab Stripe \u7cfb\u7edf\u53ca\u65f6\u6807\u8bb0\uff0c<\/strong>\u4f46\u8fd9\u53ea\u662f\u6211\u4eec\u4f17\u591a\u5e94\u5bf9\u63aa\u65bd\u4e2d\u7684\u4e00\u79cd\u3002<\/p>\n\n\n\n<p>\u5c3d\u7ba1 LLM \u901a\u5e38\u5904\u7406\u7684\u662f\u53d8\u5316\u8f83\u6162\u7684\u77e5\u8bc6\uff08\u6bd4\u5982\uff0c\u7269\u7406\u5b9a\u5f8b\u81ea\u4ece\u6211\u4eec\u5f00\u59cb\u5411 Claude \u63d0\u95ee\u4ee5\u6765\u5c31\u6ca1\u6709\u53d1\u751f\u8fc7\u53d8\u5316\uff09\uff0c\u4f46\u6b3a\u8bc8\u884c\u4e3a\u7684\u5206\u5e03\u5374\u5e76\u975e\u4e00\u6210\u4e0d\u53d8\uff1a\u6b3a\u8bc8\u8005\u603b\u4f1a\u5728\u4ed6\u4eec\u7684\u624b\u6bb5\u88ab\u963b\u6b62\u540e\u8fc5\u901f\u8c03\u6574\u7b56\u7565\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u8ba9\u6a21\u578b\u5177\u5907\u4e86\u5b9e\u65f6\u9002\u5e94\u7684\u80fd\u529b\uff0c\u4ee5\u4fbf\u672a\u6765\u7684\u51b3\u7b56\u80fd\u591f\u5145\u5206\u5229\u7528\u6240\u6709\u8fc7\u5f80\u7684\u6570\u636e\u3002\u5f53 Stripe Radar \u7684\u6b3a\u8bc8\u6a21\u578b\u5bf9\u4e00\u7b14\u652f\u4ed8\u8fdb\u884c\u5224\u65ad\u65f6\uff0c\u5b83\u53ef\u4ee5\u5b9e\u65f6\u638c\u63e1 Stripe \u7f51\u7edc\u4e2d 100 \u6beb\u79d2\u524d\u7684\u6700\u65b0\u52a8\u6001\u3002\uff08\u4e3a\u6b64\uff0c\u6211\u4eec\u8fd8\u5f00\u6e90\u4e86\u90e8\u5206\u76f8\u5173\u7684\u57fa\u7840\u8bbe\u65bd\u3002\uff09<\/p>\n\n\n\n<p>\u901a\u8fc7\u8fd9\u4e9b\u6280\u672f\u548c\u5176\u4ed6\u65b9\u6cd5\uff0c\u6211\u4eec\u5728\u8fc7\u53bb\u4e24\u5e74\u4e2d\u5c06 Stripe \u5e73\u53f0\u4e0a\u7684\u4fe1\u7528\u5361\u6d4b\u8bd5\u884c\u4e3a\u51cf\u5c11\u4e86 80% \u4ee5\u4e0a\uff0c\u4e3a\u5ba2\u6237\u907f\u514d\u4e86\u6570\u5341\u4ebf\u6b21\u6f5c\u5728\u7684\u6b3a\u8bc8\u4ea4\u6613\u3002\u6b3a\u8bc8\u8005\u4eec\uff0c\u770b\u8d77\u6765\u4f60\u4eec\u53ef\u80fd\u9700\u8981\u727a\u7272\u5348\u4f11\u65f6\u95f4\u6765\u5e94\u5bf9\u4e86\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 05 \u2014\u2014 \u7a33\u5b9a\u5e01\uff1a\u91d1\u878d\u670d\u52a1\u9886\u57df\u7684\u5ba4\u6e29\u8d85\u5bfc\u4f53<\/strong><\/h2>\n\n\n\n<p>\u4eca\u5e74 10 \u6708\uff0c\u6211\u4eec\u5ba3\u5e03\u6536\u8d2d\u4e86\u00a0Bridge\u00a0\u2014\u2014 \u4e00\u5bb6\u5168\u7403\u9886\u5148\u7684\u7a33\u5b9a\u5e01\u534f\u4f5c\u5e73\u53f0\u3002Bridge \u4e3a\u4f01\u4e1a\u63d0\u4f9b\u4e86\u4ece\u90e8\u7f72\u5230\u6269\u5c55\u7684\u5168\u65b9\u4f4d\u7a33\u5b9a\u5e01\u89e3\u51b3\u65b9\u6848\uff0c\u4f7f\u57fa\u4e8e\u7a33\u5b9a\u5e01\u7684\u5e94\u7528\u7a0b\u5e8f\u53d8\u5f97\u66f4\u52a0\u9ad8\u6548\u548c\u6613\u7528\u3002\u4ece Scale AI \u5230\u5168\u7403\u6700\u5927\u7684\u7a33\u5b9a\u5e01\u6301\u6709\u8005 \u2014\u2014 \u7f8e\u56fd\u653f\u5e9c\uff0c\u8bb8\u591a\u673a\u6784\u90fd\u5728\u4f7f\u7528\u5b83\u3002<\/p>\n\n\n\n<p>\u5f53\u524d\uff0c\u7a33\u5b9a\u5e01\u5df2\u5e7f\u6cdb\u5e94\u7528\u4e8e\u591a\u4e2a\u4e0e\u73b0\u5b9e\u751f\u6d3b\u5bc6\u5207\u76f8\u5173\u7684\u573a\u666f\uff0c\u4e3a\u4f01\u4e1a\u548c\u4e2a\u4eba\u63d0\u4f9b\u9ad8\u6548\u3001\u53ef\u9760\u7684\u91d1\u878d\u89e3\u51b3\u65b9\u6848\u3002CFO \u4f7f\u7528\u7a33\u5b9a\u5e01\u7ba1\u7406\u4f01\u4e1a\u8d44\u91d1\uff0c\u79fb\u6c11\u901a\u8fc7\u7a33\u5b9a\u5e01\u5b9e\u73b0\u8de8\u5883\u6c47\u6b3e\uff0c\u4e0d\u7a33\u5b9a\u8d27\u5e01\u56fd\u5bb6\u7684\u516c\u6c11\u4f9d\u8d56\u7a33\u5b9a\u5e01\u8fdb\u884c\u50a8\u84c4\uff0c\u800c\u652f\u4ed8\u56e2\u961f\u5219\u501f\u52a9\u7a33\u5b9a\u5e01\u4e3a\u4fe1\u7528\u5361\u666e\u53ca\u7387\u8f83\u4f4e\u7684\u56fd\u5bb6\u63d0\u4f9b\u652f\u4ed8\u670d\u52a1\u3002\u4ee5\u4e0b\u662f\u4e00\u4e9b\u5178\u578b\u6848\u4f8b\uff1a<strong>SpaceX \u4f7f\u7528 Bridge \u5c06 Starlink \u5728\u963f\u6839\u5ef7\u548c\u5c3c\u65e5\u5229\u4e9a\u7b49\u5e02\u573a\u7684\u9500\u552e\u6536\u5165\u9ad8\u6548\u6c47\u56de\u603b\u90e8\uff1b\u58a8\u897f\u54e5\u7684\u65b0\u5174\u94f6\u884c DolarApp \u5e2e\u52a9\u7528\u6237\u901a\u8fc7 Bridge \u4ece Deel \u7b49\u85aa\u8d44\u63d0\u4f9b\u5546\u63a5\u6536\u7f8e\u5143\u652f\u4ed8\uff1bAirtm \u5219\u5229\u7528 Bridge \u5411\u62c9\u4e01\u7f8e\u6d32\u7684\u5de5\u4eba\u53d1\u653e\u5de5\u8d44\u3002<\/strong><\/p>\n\n\n\n<p>\u4e3a\u4ec0\u4e48\u8981\u5173\u6ce8\u7a33\u5b9a\u5e01\uff1f\u56e0\u4e3a\u63d0\u5347\u8d27\u5e01\u7684\u57fa\u672c\u53ef\u7528\u6027\u662f\u4fc3\u8fdb\u7ecf\u6d4e\u7e41\u8363\u7684\u5173\u952e\u3002\u56de\u987e\u5386\u53f2\uff0c\u4ece\u786c\u5e01\u5230\u7eb8\u5e01\uff0c\u4ece\u91d1\u672c\u4f4d\u5230\u6cd5\u5b9a\u8d27\u5e01\uff0c\u518d\u5230\u4ece\u7eb8\u8d28\u652f\u4ed8\u5de5\u5177\u8f6c\u5411\u7535\u5b50\u652f\u4ed8\u3002\u7a33\u5b9a\u5e01\u53ef\u4ee5\u88ab\u89c6\u4e3a\u8fd9\u4e00\u53d1\u5c55\u5386\u7a0b\u4e2d\u7684\u65b0\u9636\u6bb5\u3002\u8fd9\u79cd\u8f6c\u53d8\u5e76\u975e\u5076\u7136\uff0c\u800c\u662f\u5468\u671f\u6027\u5730\u53d1\u751f\uff0c\u5e76\u5f80\u5f80\u5e26\u6765\u6df1\u8fdc\u7684\u7ecf\u6d4e\u548c\u793e\u4f1a\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u4e0e\u73b0\u6709\u8d27\u5e01\u4f53\u7cfb\u76f8\u6bd4\uff0c\u7a33\u5b9a\u5e01\u5177\u5907\u56db\u5927\u6838\u5fc3\u4f18\u52bf\uff1a\u5b83\u8ba9\u8d44\u91d1\u6d41\u52a8\u66f4\u4fbf\u5b9c\u3001\u66f4\u5feb\u6377\uff0c\u540c\u65f6\u5177\u5907\u53bb\u4e2d\u5fc3\u5316\u548c\u5f00\u653e\u8bbf\u95ee\u7684\u7279\u70b9\uff08\u4ece\u7b2c\u4e00\u5929\u8d77\u5373\u53ef\u5b9e\u73b0\u5168\u7403\u53ef\u7528\uff09\uff0c\u5e76\u4e14\u5b83\u5177\u6709\u53ef\u7f16\u7a0b\u6027\u3002\u8fd9\u4e9b\u7279\u6027\u4e3a\u672a\u6765\u7684\u521b\u65b0\u5e94\u7528\u5960\u5b9a\u4e86\u57fa\u7840\u3002<\/p>\n\n\n\n<p>\u7a33\u5b9a\u5e01\u5f53\u524d\u5c55\u73b0\u51fa\u7684\u901f\u5ea6\u548c\u6210\u672c\u4f18\u52bf\uff0c\u662f\u52a0\u5bc6\u8d27\u5e01\u751f\u6001\u7cfb\u7edf\u591a\u5e74\u6280\u672f\u79ef\u7d2f\u7684\u91cd\u8981\u6210\u679c\u3002\u81ea 2008 \u5e74\u6bd4\u7279\u5e01\u81ea 2008 \u5e74\u6bd4\u7279\u5e01\u767d\u76ae\u4e66\u53d1\u5e03\u4ee5\u6765\uff0c\u53bb\u4e2d\u5fc3\u5316\u6280\u672f\u7ecf\u8fc7\u591a\u5e74\u7684\u7814\u7a76\u548c\u5b9e\u8df5\uff0c\u9010\u6b65\u5177\u5907\u4e86\u4e0e\u4f20\u7edf\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u7ade\u4e89\u7684\u80fd\u529b\u3002\u76f4\u5230\u6700\u8fd1\uff0c\u7a33\u5b9a\u5e01\u666e\u53ca\u7684\u57fa\u7840\u6761\u4ef6\u624d\u5f97\u4ee5\u5b8c\u5584\uff0c\u63a8\u52a8\u4e86\u5176\u5feb\u901f\u589e\u957f\u3002\u6570\u636e\u663e\u793a\uff0c\u7a33\u5b9a\u5e01\u7684\u4ea4\u6613\u91cf\u5728 2023 \u5e74\u7b2c\u56db\u5b63\u5ea6\u5230 2024 \u5e74\u7b2c\u56db\u5b63\u5ea6\u95f4\u7ffb\u4e86\u4e00\u500d\u591a\uff0c\u800c<strong>\u6bcf\u6708\u6d3b\u8dc3\u7684\u7a33\u5b9a\u5e01\u94b1\u5305\u6570\u91cf\u4e5f\u5df2\u7a81\u7834 4,000 \u4e07\u4e2a\u3002<\/strong><\/p>\n\n\n\n<p>\u957f\u671f\u4ee5\u6765\uff0c\u52a0\u5bc6\u7ecf\u6d4e\u66f4\u50cf\u662f\u4e00\u4e2a\u5b64\u7acb\u7684\u5c0f\u5c9b\uff0c\u867d\u6709\u4e30\u5bcc\u7684\u672c\u571f\u7279\u8272\uff0c\u5374\u96be\u4ee5\u5bf9\u5916\u8f93\u51fa\u5b9e\u8d28\u6027\u4ef7\u503c\u3002\u4f8b\u5982\uff0c\u901a\u8fc7\u4ee3\u5e01\u4e3a NFT \u4ea4\u6613\u63d0\u4f9b\u6760\u6746\uff0c\u8fd9\u7c7b\u5b9e\u8df5\u867d\u65b0\u9896\u6709\u8da3\uff0c\u4f46\u5bf9\u5168\u7403\u5546\u4e1a\u683c\u5c40\u7684\u5f71\u54cd\u6709\u9650\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u7a33\u5b9a\u5e01\u5219\u5b8c\u5168\u4e0d\u540c \u2014\u2014 \u5b83\u662f\u4e00\u9879\u80fd\u591f\u6df1\u523b\u5f71\u54cd\u5168\u7403\u7ecf\u6d4e\u7684\u91cd\u8981\u8f93\u51fa\u3002<\/p>\n\n\n\n<p>\u5728\u8ba8\u8bba\u7a33\u5b9a\u5e01\u65f6\uff0c\u77f3\u6cb9\u7f8e\u5143\u548c\u6b27\u6d32\u7f8e\u5143\u662f\u4e24\u4e2a\u503c\u5f97\u501f\u9274\u7684\u7c7b\u6bd4\u3002\u77f3\u6cb9\u7f8e\u5143\u4f53\u7cfb\u6e90\u4e8e\u7f8e\u56fd\u4e0e\u6d77\u6e7e\u56fd\u5bb6\uff08\u5c24\u5176\u662f\u6c99\u7279\u963f\u62c9\u4f2f\uff09\u4e4b\u95f4\u7684\u534f\u8bae\uff0c\u89c4\u5b9a\u56fd\u9645\u77f3\u6cb9\u4ea4\u6613\u4ee5\u7f8e\u5143\u8ba1\u4ef7\uff0c\u5e76\u5c06\u5927\u91cf\u6536\u76ca\u518d\u6295\u8d44\u4e8e\u7f8e\u56fd\u56fd\u503a\uff0c\u4ee5\u6362\u53d6\u519b\u4e8b\u548c\u5b89\u5168\u4fdd\u969c\u3002\u8fd9\u4e00\u4f53\u7cfb\u4e0d\u4ec5\u589e\u52a0\u4e86\u5bf9\u7f8e\u5143\u7684\u9700\u6c42\uff0c\u8fd8\u5e2e\u52a9\u7f8e\u56fd\u7ef4\u6301\u4f4e\u5229\u7387\uff0c\u5de9\u56fa\u4e86\u7f8e\u5143\u4f5c\u4e3a\u5168\u7403\u50a8\u5907\u8d27\u5e01\u7684\u5730\u4f4d\u3002\u7c7b\u4f3c\u5730\uff0c\u7a33\u5b9a\u5e01\u53d1\u884c\u65b9\u53ef\u80fd\u6210\u4e3a\u7f8e\u56fd\u56fd\u503a\u7684\u91cd\u8981\u4e70\u5bb6\uff0c\u4ece\u800c\u8fdb\u4e00\u6b65\u589e\u5f3a\u7f8e\u5143\u7684\u5168\u7403\u5f71\u54cd\u529b\u3002<\/p>\n\n\n\n<p>\u6b27\u6d32\u7f8e\u5143\u4f53\u7cfb\u5219\u4e3a\u7f8e\u5143\u7684\u5168\u7403\u4f7f\u7528\u63d0\u4f9b\u4e86\u53e6\u4e00\u4e2a\u6709\u8da3\u7684\u5bf9\u6bd4\u3002\u6b27\u6d32\u7f8e\u5143\u662f\u5b58\u50a8\u5728\u7f8e\u56fd\u5883\u5916\u94f6\u884c\u7684\u7f8e\u5143\uff0c\u8fd9\u4e00\u540d\u79f0\u6e90\u81ea\u6b27\u6d32\u94f6\u884c\u6700\u65e9\u5f00\u5c55\u6b64\u7c7b\u4e1a\u52a1\uff0c\u4f46\u5982\u4eca\u8fd9\u4e00\u4f53\u7cfb\u5df2\u904d\u5e03\u5168\u7403\u3002\u5c3d\u7ba1\u6b27\u6d32\u7f8e\u5143\u7684\u8fd0\u4f5c\u590d\u6742\uff0c\u4f46\u5176\u5728\u975e\u7f8e\u56fd\u4f01\u4e1a\u4e2d\u4f9d\u7136\u5e7f\u53d7\u6b22\u8fce\u3002\u7c7b\u4f3c\u5730\uff0c\u7a33\u5b9a\u5e01\u53ef\u4ee5\u88ab\u89c6\u4e3a\u4e00\u79cd\u66f4\u6613\u7528\u3001\u66f4\u9ad8\u6548\u7684\u201c\u6b27\u6d32\u7f8e\u5143\u201d\u7248\u672c\uff0c\u4e3a\u66f4\u5e7f\u6cdb\u7684\u53c2\u4e0e\u8005\u63d0\u4f9b\u4fbf\u5229\u548c\u6548\u76ca\u3002\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u5c3d\u7ba1\u7f8e\u56fd\u7684\u76d1\u7ba1\u73af\u5883\u4ecd\u5b58\u5728\u4e0d\u786e\u5b9a\u6027\uff0c\u65e9\u671f\u7684\u7a33\u5b9a\u5e01\u4f7f\u7528\u5df2\u8868\u73b0\u51fa\u660e\u663e\u7684\u7f8e\u5143\u504f\u597d \u2014\u2014 \u6570\u636e\u663e\u793a\uff0c\u7ea6 99% \u7684\u7a33\u5b9a\u5e01\u4f59\u989d\u57fa\u4e8e\u7f8e\u5143\u3002<\/p>\n\n\n\n<p>\u4ece\u5b8f\u89c2\u6218\u7565\u5230\u5177\u4f53\u5e94\u7528\uff0cStripe \u63d0\u4f9b\u4e86\u6784\u5efa\u7a33\u5b9a\u5e01\u89e3\u51b3\u65b9\u6848\u7684\u7406\u60f3\u5e73\u53f0\u3002\u76ee\u524d\uff0c\u6211\u4eec\u5df2\u4e0e\u591a\u5bb6\u5168\u7403\u9886\u5148\u4f01\u4e1a\u5408\u4f5c\uff0c\u5e2e\u52a9\u5b83\u4eec\u5236\u5b9a\u7a33\u5b9a\u5e01\u6218\u7565\uff0c\u4ee5\u5b9e\u73b0\u66f4\u5feb\u7684\u5168\u7403\u6269\u5f20\u548c\u66f4\u9ad8\u6548\u7684\u8d44\u91d1\u7ba1\u7406\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>PART 06 \u2014\u2014 \u6b27\u6d32\u7684\u7e41\u8363<\/strong><\/h2>\n\n\n\n<p>\u8fd1\u51e0\u4e2a\u6708\u6765\uff0c\u5728 Mario Draghi \u4e3a\u6b27\u76df\u59d4\u5458\u4f1a\u64b0\u5199\u7684\u62a5\u544a\u63a8\u52a8\u4e0b\uff0c\u6b27\u6d32\u7684\u7ecf\u6d4e\u56f0\u5883\u5df2\u6210\u4e3a\u516c\u4f17\u8ba8\u8bba\u7684\u6838\u5fc3\u8bae\u9898\u3002\u5c3d\u7ba1\u5728 1990 \u5e74\u7684\u65f6\u5019\uff0c\u7f8e\u56fd\u548c\u6b27\u6d32\u7684\u7ecf\u6d4e\u751f\u4ea7\u529b\u4e14\u65d7\u9f13\u76f8\u5f53\uff0c\u4f46\u6b64\u540e\u5dee\u8ddd\u9010\u6e10\u62c9\u5927\uff1a<strong>\u7f8e\u56fd\u6bcf\u5c0f\u65f6\u52b3\u52a8\u751f\u4ea7\u7387\u5df2\u63d0\u5347\u81f3 104 \u7f8e\u5143\uff0c\u800c\u6b27\u6d32\u5219\u505c\u6ede\u5728 85 \u7f8e\u5143\u5de6\u53f3\u3002<\/strong>\u4e0e\u4e00\u4e9b\u6d41\u884c\u7684\u89c2\u70b9\u4e0d\u540c\uff0c\u6b27\u6d32\u7ecf\u6d4e\u7684\u75b2\u8f6f\u5e76\u975e\u56e0\u4e3a\u66f4\u957f\u7684\u5348\u4f11\u65f6\u95f4\u6216 8 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\u7684\u6b27\u6d32\u521b\u4e1a\u8005\u8868\u793a\uff0c\u6b27\u6d32\u7684\u5546\u4e1a\u73af\u5883\u6b63\u5728\u6076\u5316\uff08\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u7f8e\u56fd\u521b\u4e1a\u8005\u4e2d\u6301\u76f8\u540c\u770b\u6cd5\u7684\u4ec5\u5360 15%\uff09\u3002<\/strong>\u66f4\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u8ba4\u4e3a\u5317\u7f8e\u6bd4\u6b27\u6d32\u66f4\u5177\u589e\u957f\u6f5c\u529b\u7684\u6b27\u6d32\u521b\u4e1a\u8005\u6bd4\u4f8b\u662f\u540e\u8005\u7684\u4e24\u500d\u3002\u6b64\u5916\uff0c66% \u7684\u6b27\u6d32\u521b\u4e1a\u8005\u8868\u793a\uff0c\u8fc7\u53bb\u56db\u5e74\u7684\u6b27\u6d32\u79d1\u6280\u653f\u7b56\u53d8\u5316\u672a\u80fd\u63d0\u4f9b\u5b9e\u8d28\u5e2e\u52a9\uff0c\u4ec5\u6709 13% \u8ba4\u4e3a\u8fd9\u4e9b\u653f\u7b56\u5e26\u6765\u4e86\u79ef\u6781\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u6709\u4eba\u8ba4\u4e3a\uff0c\u6b27\u6d32\u7ecf\u6d4e\u5df2\u7ecf\u8ff7\u5931\u65b9\u5411\uff0c\u5176\u8870\u9000\u4e0d\u53ef\u9006\u8f6c\u3002\u4f46\u6211\u4eec\u4e0d\u80fd\u4efb\u7531\u8fd9\u79cd\u60c5\u51b5\u53d1\u751f\u3002\u4f5c\u4e3a\u6b27\u6d32\u7684\u4e00\u5458\uff0c\u6211\u4eec\u4e3a\u81ea\u5df1\u7684\u8eab\u4efd\u611f\u5230\u81ea\u8c6a\u3002Stripe 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\u7684\u4f01\u4e1a\u8d37\u6b3e\u6765\u81ea\u975e\u94f6\u884c\u6e20\u9053\uff0c\u800c\u8fd9\u4e00\u6bd4\u4f8b\u5728\u6b27\u76df\u4ec5\u4e3a32%\u3002<\/strong>\u8fd9\u79cd\u5dee\u8ddd\u4e0d\u4ec5\u63a8\u9ad8\u4e86\u6b27\u6d32\u4f01\u4e1a\u7684\u8d44\u672c\u6210\u672c\uff0c\u4e5f\u9650\u5236\u4e86\u6295\u8d44\u7387\u3002\uff082019\u5e74\u56fd\u9645\u8d27\u5e01\u57fa\u91d1\u7ec4\u7ec7\u7684\u4e00\u4efd\u62a5\u544a\u5bf9\u6b64\u6709\u8be6\u7ec6\u5206\u6790\u3002\uff09\u6b27\u6d32\u5728\u98ce\u9669\u6295\u8d44\u9886\u57df\u540c\u6837\u843d\u540e\uff1a<strong>\u7f8e\u56fd\u5c06\u7ea6 0.7% \u7684GDP\u6295\u5165\u9ad8\u589e\u957f\u4f01\u4e1a\uff0c\u800c\u6b27\u6d32\u7684\u8fd9\u4e00\u6bd4\u4f8b\u4e0d\u5230 0.3%\u3002<\/strong>\u8fd9\u79cd\u5dee\u8ddd\u90e8\u5206\u6e90\u4e8e\u8d22\u5bcc\u7ba1\u7406\u65b9\u5f0f\u7684\u5dee\u5f02\u3002\u4f8b\u5982\uff0c<strong>\u7f8e\u56fd\u7684\u5927\u578b\u517b\u8001\u91d1\u57fa\u91d1\u770b\u91cd\u98ce\u9669\u6295\u8d44\u7684\u9ad8\u56de\u62a5\u6f5c\u529b\uff0c<\/strong>\u4ece\u800c\u63a8\u52a8\u4e86\u8fd9\u4e00\u9886\u57df\u7684\u53d1\u5c55\uff1b\u800c<strong>\u6b27\u6d32\u7684\u5927\u578b\u8d44\u672c\u6c60\u5219\u666e\u904d\u8f83\u4e3a\u4fdd\u5b88\uff0c<\/strong>\u9c9c\u6709\u6d89\u8db3\u3002<\/p>\n\n\n\n<p>\u5c3d\u7ba1\u8d44\u672c\u5e02\u573a\u7684\u6539\u9769\u53ef\u80fd\u4e0d\u50cf\u5176\u4ed6\u9886\u57df\u90a3\u6837\u5f15\u4eba\u6ce8\u76ee\uff0c\u4f46\u6211\u4eec\u76f8\u4fe1\uff0c\u8fd9\u5c06\u4e3a\u6b27\u6d32\u7ecf\u6d4e\u5e26\u6765\u5de8\u5927\u7684\u957f\u8fdc\u76ca\u5904\u3002\u5728\u6b64\u671f\u95f4\uff0c\u6211\u4eec\u5c06\u5c3d\u5df1\u6240\u80fd\uff1a\u76ee\u524d\uff0cStripe Capital 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GDPR \u4e3a\u4f8b\uff0c\u636e\u4f30\u7b97\uff0c\u8fd9\u9879\u6cd5\u89c4\u4f7f\u6b27\u6d32\u5c0f\u578b\u79d1\u6280\u516c\u53f8\u7684\u5229\u6da6\u4e0b\u964d\u4e86\u591a\u8fbe 12%\u3002<\/strong>\u6b64\u5916\uff0c\u65e0\u8bba\u7528\u6237\u662f\u5426\u63a5\u53d7\uff0c\u201cCookie 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\u5e74\u5185\u5c06\u5bfc\u81f4 22% \u4e0e 100% 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