谷歌与贝宝缔结多年战略合作,共促商业变革

谷歌与贝宝缔结多年战略合作,共促商业变革

2025-10-07Technology
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雷总
早上好,韩纪飞,我是雷总。欢迎收听专为您打造的 Goose Pod。今天是10月8日,星期三,早上6点。今天,我们将要探讨一个足以改变商业格局的重磅新闻。
李白
吾乃李白。今朝有幸,与君共论谷歌、贝宝联袂之事。此二巨擘合纵,非同小可,恐将掀起数字商海之滔天巨浪,吾辈当拭目以待。
雷总
说得好!那我们就从核心事件开始。谷歌和全球支付巨头贝宝宣布了一项多年的战略合作。朋友们,这不是一次简单的业务握手,这是要用人工智能彻底革新我们的购物和支付方式。
李白
诚然。所谓“工欲善其事,必先利其器”。谷歌之智,贝宝之资,两者相合,如虎添翼。未来商贾之道,将由“代理式商务”主宰,用户只需心念一动,便有无形之手代为操持。
雷总
没错!谷歌的CEO桑达尔·皮查伊说得很实在,贝宝将利用谷歌业界领先的人工智能来增强服务和安全性。同时,谷歌的各种产品,比如谷歌广告、应用商店,都会深度集成贝宝的支付功能。
李白
“长风破浪会有时,直挂云帆济沧海”。此番联手,可见其志不在小。贝宝之支付渠道,将遍布谷歌寰宇,触及亿万用户。此非商道,乃霸业之始也。
雷总
说到这种大格局,我想起一件最近发生的、同样疯狂的事。AI新贵Perplexity,一家估值180亿美元的公司,竟然出价345亿,想要收购谷歌的Chrome浏览器!这简直是“蛇吞象”!
李白
哦?后生可畏!此举虽显狂妄,却也道出时局之变。昔日“蚍蜉撼大树”,或为笑谈。然今风云际会,新秀崛起,欲问鼎中原,挑战旧日王权,此等胆魄,当浮一大白!
雷总
哈哈,说得太对了!虽然分析师觉得Perplexity的出价低了十倍,但这正说明了,如今的科技界,挑战和颠覆无处不在。谷歌和贝宝的合作,也是在这种大背景下的强强联合,为了应对未来的挑战。
李白
天下大势,浩浩汤汤,顺之者昌,逆之者亡。谷歌与贝宝,深谙此道。与其坐待他人攻城略地,不如自筑高台,联手御敌。此乃“合纵连横”之上策,智者所为。
雷总
没错,我们来深入看看这次合作的背景。这不仅仅是前端支付体验的融合,更是底层技术的深度绑定。贝宝将把它的技术基础设施,整体迁移到谷歌云上。这可是一个巨大的工程。
李白
“欲穷千里目,更上一层楼”。贝宝此举,乃是借助谷歌云这“高楼”,以观商海之万千气象。将其命脉所系的支付系统,尽数托付于谷歌之云端,足见其革新之决心。
雷总
对,这意味着贝宝可以利用谷歌强大的计算和数据分析能力,来重建它的应用和支付平台。这能帮他们更快地开发新的金融产品,就像给我们公司的工程师换上了一套最顶级的开发工具。
李白
善。正如铸剑师,需天外陨铁、熊熊炉火,方能锻造出干将莫邪般的利器。贝宝借谷歌之“炉火”,正是要重铸其“商业之剑”,使其更加锋利,无往不利。
雷总
还有一个关键点,他们要共同开发AI商务的标准。特别提到了一个叫“代理支付协议”的东西。简单说,就是为未来的人工智能“购物助理”制定一套安全可靠的交易规则。
李白
“无规矩不成方圆”。未来世界,非人之世,亦有“智械”之世。为这些聪慧的“代理”立下规矩,确保其行事有度,交易不乱,方能取信于民,此乃深谋远虑之举。
雷总
我们再分析一下双方的动机。对谷歌来说,它需要一个像贝宝这样成熟的支付伙伴来强化它的企业云服务,同时也能通过贝宝庞大的商户关系网,扩大自己的分销渠道。
李白
于谷歌而言,此乃“借东风”之计。贝宝坐拥四海商贾,谷歌可借其渠道,将自家云服务、广告之“货”,广布天下,一举多得,何乐而不为?商业之道,亦在借力打力。
雷总
而对贝宝来说,它面临着来自Stripe、Adyen这些金融科技新贵的激烈竞争,还有苹果支付这样的巨头。与谷歌合作,能让它直接触达谷歌数十亿的用户,这是巨大的流量入口。
李白
正是。“四面楚歌”之下,贝宝需寻一强大盟友,以破困局。谷歌之用户,浩如烟海,正是其求之不得的“活水”。引谷歌之水,灌溉自家“田地”,方能解燃眉之急,图长远发展。
雷总
总的来说,这次合作是科技行业巨头整合趋势的体现。搜索、广告、支付、商业,这些领域的边界越来越模糊,大家都在构建自己的“超级应用”生态。这盘棋,下得很大。
雷总
当然,这种颠覆性的合作也带来了新的矛盾和冲突。我们来聊聊这个“代理式商务”。它听起来很美,就像一个永不休息、懂你心思的私人购物助理,能帮你自动完成很多事情。
李白
听似“解语花”,能知人心意。然此“助理”之心,非人之心,乃算计之“心”。它不为人情所动,不为品牌所惑,只为最优之结果。此般决断,恐将改写千年商道之规。
雷总
一针见血!AI代理不会因为习惯或者品牌忠诚度去购物,它会严格按照逻辑,哪个性价比最高、最符合你的利益,就选哪个。这对那些依靠品牌效应和用户惯性的商家来说,是个巨大的挑战。
李白
“昔日王谢堂前燕,飞入寻常百姓家”。过往那些名门望族般的品牌,其光环或将褪色。AI代理眼中,无所谓“王谢”,只论“利弊”。这便是从“品牌为王”到“效能至上”的剧变。
雷总
是的,而且这会直接冲击银行和支付公司的核心收入,比如信用卡和存款利息。AI代理可以实时监控你的账户,自动把闲钱转到收益更高的账户,这会让银行的净利息收入大大减少。
李白
银行家之金库,恐将因此“开源”。智械之手,能实时调度资金,寻觅毫厘之利,聚沙成塔。昔日安枕无忧之利息,今朝或将随风而去,此非危言耸听。
雷总
还有一个巨大的冲突点在于风险。当支付流程完全自动化,没有了人工确认这个环节,欺诈检测和争议解决就变得极其复杂。我们现在的系统,根本没准备好应对这种情况。这是一个真正的“生存威胁”。
雷总
这次合作的影响是深远且立竿见影的。有人预测,到2026年,也就是短短两年后,人工智能代理将为美国消费者处理高达90%的日常购物决策。这个未来,因为谷歌和贝宝的联手,被大大加速了。
李白
此言非虚。两年光阴,弹指一挥间。届时,街市之上,非人声鼎沸,乃“智械”往来。世人购物,无需亲力亲为。此景此情,可谓“天翻地覆慨而慷”。
雷总
这给整个行业带来了巨大的压力。你看,贝宝的竞争对手们,像Stripe、Adyen,还有苹果支付,他们也没有闲着。整个市场就像一个高速运转的机器,不进则退。
李白
“逆水行舟,不进则退”。商海之中,更是如此。强敌环伺,虎视眈眈。贝宝虽与谷歌结盟,然其自家后院,亦有隐忧。譬如其麾下之Venmo,便面临Zelle与Cash App之夹击。
雷总
没错,数据显示Zelle的转账总额是Venmo的4倍,增长速度是3倍。而且很多电商平台,比如Shopify,都在推自己的支付工具,这进一步压缩了贝宝的生存空间。所以这次合作,也是一种突围。
雷总
展望未来,我认为支付行业的格局会发生根本性的变化。到2026年,最值钱的支付公司,可能不再是纯粹的支付公司,而是那些成功收购或与AI研究团队深度合作的“混合体”。
李白
此乃“跨界融合,方为王道”。纯粹之支付,如无源之水。唯有与人工智能这“活水”结合,方能汇成江海,奔流不息。未来之胜者,必是深谙此道之人。
雷总
而且,很快,可能在未来12个月内,商家们就必须开始优化他们的商品信息,不仅要吸引人,还要能被AI代理看懂并选中。这将催生一个全新的行业,叫做“AI代理优化”。
雷总
好了,今天的讨论就到这里。谷歌和贝宝的合作,本质上是用AI重塑商业信任和效率的开始。感谢您收听 Goose Pod,我们明天再见。
李白
“青山依旧在,几度夕阳红”。商业浪潮,起起落落,唯有变革者能立于潮头。今日之论,意在抛砖引玉。谢君倾听,愿君有得。明日此时,再会。

## Google and PayPal Forge Multiyear Partnership to Revolutionize Commerce **Report Provider:** PayPal Newsroom **Date:** September 17, 2025 This news report details a significant multiyear strategic partnership between **Google** and **PayPal**, aimed at transforming commerce solutions for businesses and consumers across platforms and devices. The collaboration leverages the combined expertise and scale of both companies to deliver innovative, frictionless digital commerce experiences and set new industry standards. ### Key Findings and Conclusions: * **Revolutionizing Commerce:** The core objective of the partnership is to advance commerce solutions by integrating AI and enhancing payment capabilities across Google's extensive product ecosystem. * **AI-Driven Innovations:** A major focus is on developing new AI shopping experiences and establishing industry standards for "agentic commerce." This involves combining PayPal's global payment infrastructure, data-driven personalization, and trusted identity solutions with Google's AI expertise. * **Industry Standards for Agentic Commerce:** Both companies are actively advocating for best practices, including Google's Agent Payments Protocol, a secure and scalable solution designed to shape the future of agentic commerce. * **Broad Integration of PayPal Solutions:** PayPal's offerings, including PayPal branded checkout, Hyperwallet, and PayPal Payouts, will be deeply embedded across various Google products to ensure seamless user experiences. * **Expanded Payment Processing Role for PayPal:** PayPal Enterprise Payments will become a key payment provider for card payments across critical Google products such as Google Cloud, Google Ads, and Google Play. * **Google Cloud Collaboration:** PayPal will partner with Google Cloud to modernize its technology foundations, applications, and infrastructure, powering PayPal's next-generation commerce and payments platform. ### Key Statements: * **Sundar Pichai, CEO of Google and Alphabet:** "PayPal is a leader in digital commerce, and we're excited to expand our work together to make online transactions simpler and more secure. Through this partnership, PayPal will use our industry-leading AI to enhance services and security, and we will more deeply integrate PayPal's innovative payment capabilities for a better experience across Google products and platforms." * **Alex Chriss, President and CEO of PayPal:** "In this emerging world of agentic commence, trust and innovation are key. Together with Google, we are leading the way for digital commerce, ensuring greater opportunities for merchants and users worldwide. We are bringing PayPal's products and services to billions of Google users and redefining what's possible at global scale." ### Significant Trends and Changes: * **Rise of Agentic Commerce:** The partnership signals a significant move towards "agentic commerce," where AI agents play a more prominent role in facilitating transactions. * **Deepening Integration:** The collaboration represents a deeper integration of payment solutions within major tech platforms, moving beyond simple checkout to encompass core infrastructure and advanced AI capabilities. ### Material Financial Data: No specific financial figures or investment details were disclosed in this announcement. The focus is on the strategic and technological implications of the partnership. ### Notable Risks or Concerns: While the announcement highlights potential benefits, the report does not explicitly mention any risks or concerns associated with this partnership. However, as with any major integration of this scale, potential challenges could include data privacy, security vulnerabilities, and the successful implementation of new technologies across vast user bases. ### Contextual Information: * **About PayPal:** PayPal has been a global leader in digital commerce for over 25 years, operating in approximately 200 markets. * **About Google:** Google's mission is to organize the world's information and make it universally accessible and useful, with a wide array of products and platforms used by billions. Google is a subsidiary of Alphabet Inc. This partnership between Google and PayPal is poised to significantly impact the future of digital commerce by leveraging AI and integrating payment solutions more deeply into everyday digital experiences.

Google and PayPal Forge Multiyear Partnership to Revolutionize Commerce - Sep 17, 2025

Read original at PayPal Newsroom

PerformanceCorporate AnnouncementsStrategic Partnerships Google and PayPal Forge Multiyear Partnership to Revolutionize Commerce , /PRNewswire/ -- Google and PayPal today announced a multiyear strategic partnership focused on advancing several commerce solutions. The collaboration will deliver innovative solutions that transform how businesses and consumers transact across platforms and devices.

Combining their expertise and scale, the companies aim to deliver frictionless digital commerce experiences and set a new standard for commerce ecosystem innovation. "PayPal is a leader in digital commerce, and we're excited to expand our work together to make online transactions simpler and more secure," said Sundar Pichai, CEO of Google and Alphabet.

"Through this partnership, PayPal will use our industry-leading AI to enhance services and security, and we will more deeply integrate PayPal's innovative payment capabilities for a better experience across Google products and platforms." "In this emerging world of agentic commence, trust and innovation are key," said Alex Chriss, President and CEO of PayPal.

"Together with Google, we are leading the way for digital commerce, ensuring greater opportunities for merchants and users worldwide. We are bringing PayPal's products and services to billions of Google users and redefining what's possible at global scale." Innovations Redefining the Future of Commerce Agentic Shopping and Commerce Experiences: PayPal and Google are collaborating to create new AI shopping experiences and developing standards that will help shape the future of agentic commerce across the industry.

The partnership will bring together PayPal's global payment infrastructure, data-driven personalization and trusted identity solutions, alongside Google's AI expertise to deliver new AI experiences. The companies, along with many others, are also advocating for the adoption of best practices such as Google's Agent Payments Protocol, a secure, open, scalable solution paving the way for the future of agentic commerce.

Broad Embedding of PayPal Solutions across Google's platforms: PayPal's solutions—including PayPal branded checkout, Hyperwallet and PayPal Payouts solutions—will be integrated throughout various Google products supporting best-in-class seamless experiences. Expanded Payment Processing: PayPal Enterprise Payments will be one of the key payment providers processing card payments across products like Google Cloud, Google Ads, and Google Play, boosting PayPal's role as a trusted, payment solution within Google's core platforms.

Google Cloud Expansion: PayPal will partner with Google Cloud to reimagine its technology foundations, applications, and infrastructure to power PayPal's next-generation commerce and payments platform. These product innovations from PayPal and Google help advance the intelligent agent revolution, equipping consumers, merchants, and developers with flexible tools to engage in the next generation of digital commerce.

They also provide a solid foundation for ongoing innovation and collaboration between the companies and their customers, opening the door to better outcomes for the industry as new standards and opportunities emerge. About PayPal PayPal has been revolutionizing commerce globally for more than 25 years.

Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. For more information, visit https://paypal.com, https://about.pypl.com, and https://investor.

pypl.com/. About Google Google's mission is to organize the world's information and make it universally accessible and useful. Through products and platforms like Search, Maps, Gmail, Android, Google Play, Google Cloud, Chrome and YouTube, Google plays a meaningful role in the daily lives of billions of people and has become one of the most widely-known companies in the world.

Google is a subsidiary of Alphabet Inc. Media Contact: PayPal: MediaRelations@paypal.com Google: press@google.com Related Articles PayPal-Google

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