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NAB 收購金融科技 Banked：即時銀行直付時代加速

澳洲國民銀行（NAB）在2026年5月收購倫敦金融科技 Banked，強化即時「Pay by Bank」帳戶對帳戶支付能力，交易金額未公開。 [4] Banked 的技術讓消費者在結帳時直接用銀行帳戶付款，繞過信用卡網絡，商戶可更快收到資金並降低交易費用。

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Illustration of digital pay‑by‑bank payments moving directly between bank accounts — What happened in National Australia Bank’s acquisition of London fintech Banked, including what Banked does in account-to-account “Pay by BaAccount‑to‑account “Pay by Bank” payments allow consumers to pay merchants directly from their bank accounts without using card networks.
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Create a landscape editorial hero image for this Studio Global article: What happened in National Australia Bank’s acquisition of London fintech Banked, including what Banked does in account-to-account “Pay by Ba. Article summary: NAB bought London-founded Pay by Bank fintech Banked in an undisclosed deal to deepen its real-time, account-to-account payments capability for Australian business customers. The deal looks like a strategic consolidation. Topic tags: general, general web. Reference image context from search candidates: Reference image 1: visual subject "National Australia Bank (NAB) acquired FinTech company Banked to help more businesses receive payments faster and at a lower cost. Banked’s global technology platform uses a digita" source context "NAB Buys Banked to Speed Up Merchant Payments - PYMNTS.com" Reference image 2: visual subject "National Australia Bank (NAB) — Austr
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2026年5月，**澳洲國民銀行（National Australia Bank，簡稱 NAB）**宣布收購在倫敦成立的金融科技公司 Banked，取得其全部股權。交易金額沒有公開，但這筆交易其實是雙方多年合作關係的延伸——NAB 早已透過旗下創投部門 NAB Ventures 投資並使用 Banked 的技術服務企業客戶。

整體來看，這次收購反映支付產業的一個重要趨勢：銀行與商戶正愈來愈重視 「Pay by Bank」（銀行直付）模式，讓資金直接在銀行帳戶之間轉移，而不是經過傳統信用卡網絡。

Banked 是做甚麼的？

Banked 的核心產品是 帳戶對帳戶（Account‑to‑Account，A2A）支付基建。這種技術讓消費者在網上結帳時，直接從自己的銀行帳戶向商戶付款。

流程通常是這樣：

消費者在付款頁面選擇「Pay by Bank」
系統連接到其銀行應用程式或網上銀行
用戶授權付款
資金即時或接近即時轉到商戶帳戶

與輸入信用卡資料相比，這種方式把資金 直接由銀行帳戶轉到銀行帳戶。

對商戶而言，這種模式有幾個明顯好處：

交易成本更低：不需要支付信用卡網絡的 interchange 費。
結算更快：在即時支付系統下可以接近即時入帳。

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