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2023-01-24T00:37:13Z

补救22个来源，并将0个来源标记为失效。) #IABot (v2.0.9.3

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{{Infobox company
| name = Vipps
| logo = Vipps rgb orange pos.svg
| type =
| industry = 金融服務
| founded = 
| founder = 
| area_served = 挪威
| key_people =
| products =
| num_employees =
| num_employees_year = 
| parent = DNB ASA, SpareBank 1, Eika Alliansen, Sparebanken Møre 及15家獨立銀行<ref>{{Cite web |url=http://snl.no/Vipps |title=Vipps |last=Gram |first=Trond |date=2019-08-12 |language=no |access-date=2019-10-27 |archive-date=2022-07-07 |archive-url=https://web.archive.org/web/20220707201855/https://snl.no/Vipps |dead-url=no }}</ref>
| website = {{url|www.vipps.no}}
}}

'''Vipps'''<ref>{{Cite web |url=https://www.vipps.no/ |title=存档副本 |access-date=2022-06-09 |archive-date=2023-01-02 |archive-url=https://web.archive.org/web/20230102203052/https://vipps.no/ |dead-url=no }}</ref>是[[挪威]]的[[行動支付]]系統，由挪威銀行DNBASA在2015年5月30日推出。<ref>{{Cite web |url=https://vipps.io/about-us/story-vipps/ |title=存档副本 |access-date=2022-06-11 |archive-date=2022-09-25 |archive-url=https://web.archive.org/web/20220925082055/https://vipps.io/about-us/story-vipps/ |dead-url=no }}</ref>在推出半年內就達到一百萬使用者，現已是挪威最多人使用的付款app，有超過78%的挪威人口使用。<ref>{{cite web |url=https://www.statista.com/statistics/1098533/share-of-users-of-mobile-payment-apps-in-norway/ |title=Share of the population using mobile payment apps in Norway as of September 2019 |author= |date= |website=statista.com |publisher= |access-date=2022-06-14 |quote= |archive-date=2022-09-27 |archive-url=https://web.archive.org/web/20220927145221/https://www.statista.com/statistics/1098533/share-of-users-of-mobile-payment-apps-in-norway/ |dead-url=no }}</ref><ref>{{cite web |url=https://www.independent.ie/business/world/norwegians-stop-using-cash-as-vipps-payment-app-thrives-38161720.html |title=Norwegians stop using cash as Vipps payment app thrives |author= |date=2019-05-30 |website=Independent.ie |publisher= |access-date=2022-09-21 |quote= |archive-date=2022-09-22 |archive-url=https://web.archive.org/web/20220922121541/https://www.independent.ie/business/world/norwegians-stop-using-cash-as-vipps-payment-app-thrives-38161720.html |dead-url=no }}</ref>使用者只要有挪威任何一家銀行的帳戶就能使用，除了能夠用手機號碼進行即時轉帳，還能在部分商家付款。Vipps也是歐洲行動支付系統組織（European Mobile Payment Systems Association）的成員。<ref>{{cite web|url=https://empsa.org/|title=European Mobile Payment Systems Association|author=|date=|website=|publisher=|access-date=2022-07-22|quote=|archive-date=2023-01-21|archive-url=https://web.archive.org/web/20230121202737/https://empsa.org/|dead-url=no}}</ref> 

== 服務 ==
[[File:Vipps headquarter.jpg|thumb|[[奧斯陸]]的Vipps總部，2019]]
Vipps可以讓使用者輸入手機號碼轉帳，而不需要再輸入較麻煩的銀行賬戶資訊。<ref>{{cite web|url=https://www.youtube.com/watch?v=_SVX52mtPwo|title=Vipps film|author=Torgny Hasås|date=2019-11-16|website=|publisher=|access-date=2022-06-14|quote=|archive-date=2022-07-07|archive-url=https://web.archive.org/web/20220707022029/https://www.youtube.com/watch?v=_SVX52mtPwo|dead-url=no}}</ref>如果收款者的銀行帳戶是Vipps持有者其中一家銀行，錢會在幾秒內確認並轉入收款者帳戶。其他銀行的收款者要在Vipps註冊信用卡，款項會在隔一個銀行日到帳。如果收款者沒有Vipps帳戶，他們會收到手機簡訊指示他們下載Vipps。如果他們未下載，交易會被取消。此外也可以傳送收款連結給另一個帳號付款。<ref>{{cite web |url=https://www.youtube.com/watch?v=_Mx5lsfs2d0 |title=Sånn kommer du i gang med Vipps |author= |date=2015-07-24 |website= |publisher=DNB |access-date=2022-09-21 |quote= |archive-date=2022-09-22 |archive-url=https://web.archive.org/web/20220922082703/https://www.youtube.com/watch?v=_Mx5lsfs2d0 |dead-url=no }}</ref>

在下載Vipps之後會有一系列指示讓使用者新增銀行卡（Visa/MasterCard）及帳戶資訊。完成註冊後使用者的Vipps帳號會與手機號碼連結。註冊要有手機號碼、銀行帳戶、信用卡或debit card及身份證號碼，全部都必須是挪威的。<ref>{{cite web |url=https://vipps.no/vilkar/vipps-terms-and-conditions/ |title=Vipps Terms and conditions |author= |date=2022-05-24 |website= |publisher=Vipps.no |access-date=2022-09-21 |quote= |archive-date=2022-11-30 |archive-url=https://web.archive.org/web/20221130035815/https://www.vipps.no/vilkar/vipps-terms-and-conditions/ |dead-url=no }}</ref><ref>{{cite web |url=https://www.lifeinnorway.net/what-is-vipps/ |title=Vipps: Norway’s Mobile Payments App |author=David Nikel |date=2019-11-04 |website= |publisher=lifeinnorway.net |access-date=2022-06-14 |quote= |archive-date=2023-01-19 |archive-url=https://web.archive.org/web/20230119164054/https://www.lifeinnorway.net/what-is-vipps/ |dead-url=no }}</ref><ref>{{cite web |url=https://www.bundl.com/articles/examples-dnbs-vipps-norways-leading-smart-payments-app |title=DNB’s Vipps: Norway’s leading smart payments app. |author=Ritza Suazo |date= |website= |publisher=bundl.com |access-date=2022-07-22 |quote= |archive-date=2022-07-22 |archive-url=https://web.archive.org/web/20220722125934/https://www.bundl.com/articles/examples-dnbs-vipps-norways-leading-smart-payments-app |dead-url=no }}</ref>

Vipps除了提供個人對個人之間的轉帳交易，也提供商家和個人間的交易服務，在部分挪威商店消費者可以使用Vipps付款。<ref>{{cite web |url=https://www.youtube.com/watch?v=h-ITBsWm0jA |title=Vi prøver Vipps Go på Munchies |author= |date=2017-05-04 |website= |publisher=Dinside |access-date=2022-09-21 |quote= |archive-date=2022-09-22 |archive-url=https://web.archive.org/web/20220922100439/https://www.youtube.com/watch?v=h-ITBsWm0jA |dead-url=no }}</ref>

== 安全 ==
Vipps受使用者設定的四位數字識別碼保護。超過2000[[挪威克朗]]（NOK）的交易金額需要使用挪威BankID<ref>{{Cite web |url=https://www.bankid.no/ |title=存档副本 |access-date=2022-06-09 |archive-date=2016-04-02 |archive-url=https://web.archive.org/web/20160402042021/https://www.bankid.no/ |dead-url=no }}</ref><ref>{{cite web |url=https://www.youtube.com/watch?v=JgX6Q5s3eC4 |title=Hva er egentlig BankID? Og hvordan bruker jeg det? |author= |date=2019-02-18 |website= |publisher=Sparebank 1 |access-date=2022-09-21 |quote= |archive-date=2022-09-22 |archive-url=https://web.archive.org/web/20220922101726/https://www.youtube.com/watch?v=JgX6Q5s3eC4 |dead-url=no }}</ref>進行電子驗證。在註冊與支付時也有其他的安全性檢查。輸入的電話沒有檢查碼，但如果收款者是Vipps使用者，收款者的姓名會在付款確認前顯示。如果收款者沒有Vipps帳號，付款者須自行確認輸入的電話號碼是否正確。

== 社交 ==
使用者可以在個人頁面加入個人照片，可見於其他使用者，除了付款功能，另外也有使用這之間的聊天功能。<ref>{{cite web |url=https://youtube.com/shorts/UzaOgJVOfQs?feature=share |title=Vi har pusset opp - Vipps 2.0 |author= |date=2018-08-01 |website= |publisher= |access-date=2022-06-14 |quote= |archive-date=2022-07-07 |archive-url=https://web.archive.org/web/20220707022249/https://www.youtube.com/shorts/UzaOgJVOfQs?feature=share |dead-url=no }}</ref>

== 歷史 ==
* 2021年6月30日：Vipps和丹麥MobilePay、芬蘭Pivo宣布加入一個共同的公司，但保留原本的品牌識別。新的支付服務整合超過1100萬使用者。<ref>{{cite web |url=https://mobilepay.dk/nyheder/2021/06/30/mobilepay-to-merge-with-norwegian-vipps-and-finnish-pivo |title=MobilePay to merge with Norwegian Vipps and Finnish Pivo, creating one of Europe's largest bank-owned mobile payment providers |author= |date=2021-06-30 |website=mobilepay.dk |publisher= |access-date=2021-08-10 |quote= |archive-date=2022-09-28 |archive-url=https://web.archive.org/web/20220928194939/https://www.mobilepay.dk/nyheder/2021/06/30/mobilepay-to-merge-with-norwegian-vipps-and-finnish-pivo |dead-url=no }}</ref><ref>{{cite web|url=https://www.dn.no/marked/vipps/rune-garborg/mobilepay/vipps-slar-seg-sammen-med-mobilepay-og-finske-pivo/2-1-1032768|title=Vipps slår seg sammen med Mobilepay og finske Pivo|date=2021-06-30|author=Live Tronstad, Emilie Solberg, and Erik Bucher Johannessen|access-date=2022-07-22|quote=|archive-date=2022-07-12|archive-url=https://web.archive.org/web/20220712104443/https://www.dn.no/marked/vipps/rune-garborg/mobilepay/vipps-slar-seg-sammen-med-mobilepay-og-finske-pivo/2-1-1032768|dead-url=no}}</ref><ref>{{cite web |url=https://vipps.no/om-oss/nyheter/samler-11-millioner-brukere-i-en-mobil-lommebok/ |title=Samler 11 millioner brukere i én mobil lommebok |author= |date=2021-06-30 |website=Vipps.no |publisher=Vipps |access-date=2022-07-22 |quote= |archive-date=2021-11-28 |archive-url=https://web.archive.org/web/20211128062904/https://vipps.no/om-oss/nyheter/samler-11-millioner-brukere-i-en-mobil-lommebok/ |dead-url=no }}</ref>
* 2017年10月：DanskeBank和Nordea取得Vipps部分所有權，他們也持有競爭對手MobilePay（丹麥最大行動支付系統，在挪威已關閉）<ref>{{cite web |url=https://thepaypers.com/online-mobile-banking/nordea-norway-switches-to-dnbs-vipps-from-danske-mobilepay--770391 |title=Nordea Norway switches to DNBs Vipps from Danske Mobilepay |author= |date=2017-10-12 |publisher=ThePaypers |access-date=2022-06-11 |quote= |archive-date=2022-07-14 |archive-url=https://web.archive.org/web/20220714070329/https://thepaypers.com/online-mobile-banking/nordea-norway-switches-to-dnbs-vipps-from-danske-mobilepay--770391 |dead-url=no }}</ref>
* 2017年2月：Vipps從DNB持有轉換到另一間獨立的公司，由數家銀行共同持有，但DNB仍是最大股東。<ref>{{cite web |url=https://nordic9.com/news/vipps-the-norwegian-payment-service-owned-by-dnb-gets-spunoff-owned-by-106-banks-news8904750487/ |title=Vipps, the Norwegian payment service owned by DNB, gets spunoff, owned by 106 banks |author= |date=2017-02-13 |website=Nordic9.com |publisher= |access-date=2022-10-09 |quote= |archive-date=2022-10-12 |archive-url=https://web.archive.org/web/20221012185451/https://nordic9.com/news/vipps-the-norwegian-payment-service-owned-by-dnb-gets-spunoff-owned-by-106-banks-news8904750487/ |dead-url=no }}</ref>
* 2015年12月14日：版本V1.2可以在[[Apple Watch|AppleWatch]]上使用，但後來這項功能又被拿掉。<ref>{{cite web |url=https://www.dnb.no/dnbnyheter/no/din-okonomi/na-kan-du-vippse-med-apple-watch |title=Oppdatert: Vipps med Apple Watch er ikke mulig lenger |author= |date=2021-10-22 |website=dnb.no |publisher= |access-date=2022-10-09 |quote= |archive-date=2022-10-09 |archive-url=https://web.archive.org/web/20221009105139/https://www.dnb.no/dnbnyheter/no/din-okonomi/na-kan-du-vippse-med-apple-watch |dead-url=no }}</ref>
* 2015年11月：Vipps使用人數達到100萬，成為最多人使用的支付app（當時挪威總人口約519萬）
* 2015年10月5日：版本V1.1新增[[Touch ID|TouchID]]、多張卡及請求款項功能。<ref>{{cite web|url=https://www.youtube.com/watch?v=FjlVqGOP_dc|title=Nå kan du be om penger med Vipps|author=|date=2015-10-05|publisher=DNB|access-date=2022-09-21|quote=|archive-date=2022-09-22|archive-url=https://web.archive.org/web/20220922105321/https://www.youtube.com/watch?v=FjlVqGOP_dc|dead-url=no}}</ref>
* 2015年5月30日：Vipps推出，可以在Appstore、GooglePlay及WindowsStore上下載。

== 參見 ==
* [[Swish (行動支付)|Swish]]：瑞典的行動支付
* MobilePay：丹麥的行動支付
* 台灣Pay
==參考資料==
{{reflist|2}}

Vipps - 版本历史

imported>InternetArchiveBot：​补救22个来源，并将0个来源标记为失效。) #IABot (v2.0.9.3

imported>InternetArchiveBot：补救22个来源，并将0个来源标记为失效。) #IABot (v2.0.9.3