A big Chinese group and a US not-for-profit have triumphed in the second annual Financial Times fintech awards, with Ant Financial taking the “impact” prize and QCash winning for “innovation”.

中国一家大型集团和美国一家非营利机构赢得了第二届英国《金融时报》年度金融科技奖，蚂蚁金服(Ant financial)拿下了“影响力”奖，而QCash赢得了“创新”奖。

Ant Financial is the 800-pound gorilla¹ of the fintech world. With a dominant² share of more than half of China’s fast-growing $5.5tn mobile payments market, this spin-off from the Alibaba ecommerce group has raised more funding than any rival and is valued at over $70bn — more than most banks.

蚂蚁金服是金融科技界的巨无霸。凭借着在中国快速增长的总值5.5万亿美元的移动支付市场上占据着一半以上的主导性份额，这家从电商集团阿里巴巴(Alibaba)分拆出来的公司筹集的资金超过所有竞争对手，目前估值逾700亿美元——超过多数银行。

Launched in 2004 as a PayPal-type service to facilitate payment on Alibaba’s ecommerce platforms, Ant Financial had 450m annual active users at the end of April 2016 — 10 times more than even the biggest lenders — and it has continued to double its user base in the past year.

蚂蚁金服于2004年作为阿里巴巴电商平台上与PayPal类似的支付服务创办，到2016年4月它拥有4.5亿年活跃用户——甚至比大型银行的客户还多10倍——而过去一年蚂蚁金服的用户基数又增长了一倍。

As well as providing consumers with a smooth way to pay for all kinds of goods and services through its Alipay service, Ant Financial operates Yu’E Bao, the world’s largest money-market fund, and Sesame Credit, the consumer credit scoring system.

除了通过其支付宝(Alipay)服务为消费者提供购买各种商品和服务的快捷支付方式外，蚂蚁金服还经营着世界上最大的货币市场基金“余额宝”，以及消费者信用评分系统“芝麻信用”(Sesame Credit)。

Ant has sewn up deals across Asia, including India, Thailand and South Korea. Further afield it has signed agreements with dozens of banks and payments companies to give its customers the ability to pay for goods in many US and European stores using its app.

蚂蚁金服在亚洲各国敲定交易，其中包括印度、泰国和韩国。在其他地区，蚂蚁金服与数十家银行和支付公司签订了协议，让其顾客可以使用其App在美国和欧洲很多商店购买商品。

Its sheer size and rapid growth causes western bank bosses to worry whether it will soon seek to compete for US and European clients. “Alipay is the biggest payments company in China but they are going to move out of there and we have to be ready for that,” John McFarlane, chairman of Barclays, said this week.

蚂蚁金服的庞大规模及其迅速增长，引发西方银行的老板们担心它是否会很快试图争取美国和欧洲客户。“支付宝是中国最大的支付公司，但他们将走出中国，我们必须做好准备，”巴克莱银行(Barclays)董事长约翰?麦克法伦(John McFarlane)本周表示。

However, Ant’s international expansion has hit one hurdle³ after its sweetened bid for MoneyGram came under attack from US lawmakers and rival bidder⁴ Euronet even after it was backed by most shareholders⁵ in the US remittances⁶ group.

然而，在蚂蚁金服加价收购速汇金(MoneyGram)的举动遭到美国议员和竞购对手Euronet的攻击后——尽管它已经得到了这家美国汇款集团大多数股东的支持——其海外扩张的步伐遇到了障碍。

The awards were announced at the FT Banking⁷ Summit at London’s Guildhall on Thursday afternoon. There were more than 200 entries, which were whittled⁸ down to a shortlist of 10 by a panel of judges.

周四下午，在伦敦金融城市政厅(Guildhall)举行的英国《金融时报》银行业峰会宣布了奖项。参选企业超过200家，评委小组从中筛选出包含10家企业的入围名单。