＃260：數字錢包首次在銷售點（POS）上超過了現金，等等
請欣賞由我們的主題分析師策劃的ARK每週時事通訊，旨在保持您的參與度具有破壞性的創新。Max-Friedrich-241在
全球範圍內數字錢包首次超過銷售點（Max-Friedrich-241）@mfriedrichARK 分析師
根據Worldpay的最新研究，去年，數字錢包首次超過現金，成為全球所有銷售點（POS）的第一付款方式。僅在電子商務方面，至少自2018年以來，數字錢包就一直主導著結賬，那是Worldpay發布第一份《全球支付報告》的那一年。
通過提供廉價，快速的金融和其他商業服務（例如電子商務）訪問，手機上的數字錢包可能成為全球個人理財和購物的主導應用程序。引領這一趨勢的是亞洲，自2018年以來（如果不是更早的話），數字錢包就主導了電子商務支付；自2019年以來，它一直在POS交易中佔據主導地位。由於在COVID-19大流行期間改變了行為模式，其他地方的消費者似乎都在追隨亞洲，因為現在有了數字錢包是北美第二受歡迎的電子商務支付方式。
實時音頻是一項功能，而非產品Nick-Grous @GrousARK 分析師
在2021年之前，“實時音頻”引用了傳統廣播，更具體地說是談話廣播。無聊吧？
今天，借助基於音頻的社交媒體平台Clubhouse，“直播廣播”有了新的含義。Clubhouse成立於2020年4月，允許虛擬房間中的用戶收聽和參與對話。不到一年後，由於用戶增長迅猛，該公司的市值達到10億美元。
儘管它最近增長並且估值很高，但我們想知道Clubhouse是否具有持久力。像許多新應用一樣，Clubhouse也有其缺陷，但更重要的是，作為娛樂媒體的直播電台可能會成為許多社交網絡的功能，而不是獨立的產品。
在明年，看到Twitter，Facebook和其他應用程序推出了實時音頻功能，我們不會感到驚訝。Clubhouse必須證明其服務比Twitter Spaces提供更多的價值。
如果我們相信直播音頻是功能而不是產品，那麼Clubhouse可能會很難脫穎而出。現場音頻市場將更有可能分裂，每種服務都將扮演利基市場的角色。
網絡研討會REPLAY
研討會：二月市場更新
週二，2021年2月9日
WATCH
可能來自人類微生物衍生療法在治療癌症的成功？
阿里烏爾曼（Ali-Urman）作者：阿里烏爾曼（Ali Urman）| @aurmanARK 分析師
人腸道中的微生物群包括10-100萬億個微生物，主要是細菌，而微生物組是指細菌及其基因。這些微生物對於酶的消化，吸收和合成很重要。
癌症是導致死亡的主要原因之一，在2020年期間，癌症在美國造成了近200萬例新診斷，600,000例死亡，但可能是微生物組治療的主要候選對象。最近，Sheba醫療中心的研究人員評估了將兩名對PD1檢查點療法有反應的轉移性黑素瘤（MM）患者的糞便微生物群（FMT）移植到十名沒有反應且幾乎沒有治療選擇的患者中的比例：30％（3/10） ）對FMT有反應的患者。通常，所有MM患者中只有40％對PD1治療有反應，平均預期壽命僅為16-22個月。儘管來自這一小部分患者的結果令人鼓舞，但重要的是要了解有關FMT主要驅動因素和活動機制的數據。
由於FMT難以製造和規模化，並且出於安全方面的考慮，科學家已經開發出一種新型療法，該療法可以吸收來自健康供體的細菌，並創建一種口服療法以恢復腸道微生物組的健康。最近，早期但有說服力的證據表明，口服微生物組療法可以治療復發性艱難梭菌患者：該研究表明，與安慰劑相比，艱難梭菌的複發率降低了30％，具有統計學意義。為了說明這項研究工作的重要性，Invitae（NVTA）收購了One Codex，該公司正在最大程度地提高質量，並最大程度地減少腸道微生物組的測序和測試成本。
相對於FMT，口服微生物組療法在增強對癌症的免疫反應方面可能更安全，更具擴展性。它們還可以應用於自身免疫性疾病，並提供抗藥性的解決方案。
AeroVironment的收購提高了其AI能力
Tasha-Keeney作者：Tasha Keeney | @TashaARK 分析師
本週，AeroVironment收購了Progeny Systems Corporation的智能係統集團（ISG），該集團提供機器學習，計算機視覺和感知自主解決方案。AeroVironment計劃將Progeny的ISG集成到其無人地面和空中車輛的產品組合中。機器視覺和自主性很可能成為地面和空中所有車輛的重要組成部分。
與AeroVironment一樣，Progeny Systems向美國政府，特別是國防部（DoD）提供解決方案。基於這種暴露，ARK懷疑無法保存和共享安全的政府數據是否會阻礙AeroVironment的機隊學習。相比之下，商用無人機運營商可以利用從許多客戶處獲得的數據來完善飛行算法。軍用無人機供應商專注於製造滿足政府高標準的堅固耐用的機器，而商用無人機供應商可能會擁有機器學習軟件的優勢。也就是說，ISG可以在較小的商業解決方案部門中使AeroVironment的自主策略受益。
本週真相
去年，數字錢包成為全球所有銷售點（POS）的第一付款方式，首次超過現金。
資料來源：Worldpay
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IT'S YOUR WEEKLY INNOVATION NEWSLETTER
It's Monday, March 1, 2021. Please enjoy ARK's weekly newsletter curated by our thematic analysts and designed to keep you engaged with disruptive innovation.
For the First Time at Point of Sale (POS), Digital Wallets Have Surpassed Cash Globally
Max-Friedrich-241 By Maximilian Friedrich | @mfriedrichARK
Analyst
According to a recent study by Worldpay, last year digital wallets surpassed cash for the first time as the number one payment method at all points of sale (POS) globally. In e-commerce alone, digital wallets have dominated checkouts since at least 2018, the year that Worldpay published its first Global Payments Report.
By offering inexpensive and rapid access to financial and other commercial services like e-commerce, digital wallets on mobile phones could become the dominant app for both personal finances and shopping around the world. Leading this trend is Asia where digital wallets have dominated ecommerce payments since 2018, if not earlier, and POS transactions since 2019. Motivated to change behavior patterns during the COVID-19 pandemic, consumers elsewhere seem to be following Asia’s lead, as digital wallets now are the second most popular e-commerce payment method in North America.
Live Audio Is A Feature, Not A Product
Nick-Grous By Nicholas Grous | @GrousARK
Analyst
Prior to 2021, 'live audio' referenced traditional radio, more specifically talk radio. Boring, right?
Today thanks to Clubhouse, an audio-based social media platform, ‘live radio’ has taken on new meaning. Founded in April 2020, Clubhouse allows users in virtual rooms to listen to and participate in conversations. Less than a year later, the company is valued at $1 billion now that user growth is skyrocketing.
Despite its recent growth and lofty valuation, we are wondering whether or not Clubhouse has staying power. Like many new apps, Clubhouse has its flaws but, more important, as an entertainment medium live radio could become more of a feature on many social networks, not a standalone product.
During the next year, we would not be surprised to see Twitter, Facebook, and other apps roll out live audio capabilities. Clubhouse will have to demonstrate that its service provides more value than, say, Twitter Spaces.
If, as we believe, live audio is a feature, not a product, then Clubhouse probably will find it difficult to come out on top. More likely, the live audio market will fragment, with each service playing a niche role.
WEBINAR REPLAY
Webinar: February mARKet Update
Tuesday, February 9, 2021
WATCH
Could A Therapy Derived from the Human Microbiome Be Successful in Treating Cancer?
Ali-Urman By Ali Urman | @aurmanARK
Analyst
The microbiota in the human gut include 10-100 trillion microorganisms, mainly bacteria, whereas the microbiome refers to the bacteria and its genes. These microorganisms are important for the digestion, absorption and the synthesis of enzymes.
One of the leading causes of death, cancer accounted for almost 2 million new diagnoses and 600,000 deaths in the US during 2020 but could be a prime candidate for microbiome therapeutics. Recently, researchers at Sheba Medical Center evaluated the transplantation of fecal microbiota (FMT) from two metastatic melanoma (MM) patients who responded to PD1 checkpoint therapy into ten patients who had not responded and had few therapy options left: 30% (3/10) of those patients responded to FMT. Typically, only 40% of all MM patients respond to PD1 therapy and have an average life expectancy of only 16-22 months. While the results from this small patient population are encouraging, important to understand will be data on FMT’s main drivers and mechanisms of activity.
Because FMTs are difficult to manufacture and scale, with safety concerns paramount, scientists have developed a novel therapeutic, one which takes bacteria from healthy donors and creates an oral therapeutic to restore gut microbiome health. Recently, early but convincing evidence suggests that an oral microbiome therapeutic could treat patients with recurrent C. difficile: the study demonstrated a statistically significant 30% reduction in the recurrence of C. difficile compared to placebo. Signaling the importance of this research effort, Invitae (NVTA) acquired One Codex, a company that is maximizing the quality and minimizing the costs of sequencing and testing gut microbiomes.
Relative to FMTs, oral microbiome therapeutics could be safer and more scalable in boosting immune responses to cancer. They also could apply to autoimmune diseases and provide solutions to medication resistance.
AeroVironment’s Acquisition Boosts its AI Capabilities
Tasha-Keeney By Tasha Keeney | @TashaARK
Analyst
This week AeroVironment acquired Progeny Systems Corporation’s Intelligent Systems Group (ISG), which provides machine learning, computer vision, and perceptive autonomy solutions. AeroVironment plans to integrate Progeny’s ISG into its product portfolio of unmanned ground and aerial vehicles. Machine vision and autonomy are likely to become important components in all vehicles on the ground and in the air.
Like AeroVironment, Progeny Systems supplies its solutions to the US Government, specifically the Department of Defense (DoD). Based on that exposure, ARK wonders if AeroVironment’s fleet learning could be hindered by an inability to save and share secure government data. In contrast, commercial drone operator can perfect flight algorithms with data scraped from many customers. While military drone suppliers have focused on building robust and rugged machines that meet the government’s high standards, commercial drone suppliers could have a machine learning software advantage. That said, ISG could benefit AeroVironment’s autonomous strategy in its smaller commercial solutions division.
FACT OF THE WEEK
Last year digital wallets surpassed cash for the first time as the number one payment method at all points of sale (POS) globally.
Source: Worldpay
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