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      "body": "![IMG_0384.jpg](https://cdn.steemitimages.com/DQmam7HFx48o6fNKZ3iiHwPEyfWRfL24VtnHZ3BogxiWD7q/IMG_0384.jpg)\n\n第一次來到多倫多，住到CN Tower下的BnB，為的是出席一年一度，一連三天的Creative Commons Global Summit，向來自世界各地關心共享創意Creative Commons的出席者介紹進行中的區塊鏈項目LikeCoin。\n\n雖然LikeCoin的目的之一正是讓共享創意與代幣獲益並存，但平日講解項目時，幾乎都不會從這個角度出發。本地對共享創意的了解不多也不深，要如此解釋LikeCoin，代表除了解釋區塊鏈，還再要多解釋一個新概念，恐怕未入到正題已經被聽眾「叮走」。\n\n其實，共享創意已有17年歷史，來港初期也得到不少關注——也不排除公眾聞所未聞，只是筆者在同溫層自我感覺良好。但隨著日子過去，雖然以共享創意授權的內容越來越多，現在達14億，但從本地的公眾認知的角度看，我感受到的是不進反退。最近10年，Facebook、Instagram、微信等應用大行其道，而這些應用幾乎全部都沒有提供選項讓用戶以共享創意授權作品。智能手機的出現表面上讓訊息越來越流通，生態越來越開放，事實卻也讓越來越多人滿足於大型封閉花園裡的生活，跟在牆內的很多人異曲同工。與其說港人不認識、不認同共享創意，還不如說大家不在乎，更加貼近現實。\n\n簡單來說，共享創意是一套授權協議。一般人最熟悉，或者起碼見得最多的是全面保有版權（臺譯著作權），即「© All rights reserved」 ，就是說不論以任何方式在任何場景使用作品，都需要先向版權持有方取得授權，大部分電影、音樂、書本等都是以這種傳統方式授權。另一個極端公共領域（public domain）也很容易理解，比如唐詩宋詞、莎士比亞系列作品，由於作者已經死去多年（一般國家是考慮70年），屬於公共領域作品，可以隨便使用，沒有任何條件。\n\n問題來了，假如創作者的意願在以上兩者之間，不介意別人轉發，但又不至於接受讓他人對作品為所欲為，那當如何？當然，理論上作者可以選擇全面保有版權，逐一判斷使用者需求再決定是否授權，但實際上，這不管對使用者還是作者本人都太過麻煩，也十分窒礙創意及更基礎的訊息流通，尤其是在互聯網出現之後。\n\n為處理這個問題而出現的共享創意，定義出一套框架，讓創作者選擇在特定使用場景下自由授權，從而在兩個極端之間取得平衡。最常用也最基本的條件是CC-BY，Creative Commons Attribution 4.0 International License，即只要清楚註明出處，適當時附上連結，使用者可以隨意使用，不需額外取得作者同意。\n\n除了BY表示是否需要註明出處，其他可選的參數還有SA（ShareAlike）以同樣條件授權二創作品、ND（NoDerivatives）不可二創和NC（NonCommercial），讓創作者選擇在最底線能接受的條件去授權作品，細節有機會再作分享。\n\n顯然，共享創意能大幅度促進授權效率、資訊流通、創意交流，意願非常良好。然而如上面提到，當大家都在Facebook封閉花園過得不錯，跟外面的世界沒有互動，除了那些沒有用戶真的會看的Facebook使用協議，其他的授權協議都不再重要，用戶知道的唯有「鎖帖」、「朋友帖」還是「地球帖」，至於那是地球人的地球還是Zuckerberg的地球，誰還在乎？\n\n＃刊於《明報﹣星期日生活》 2018.04.15 “chungkin Express” 專欄",
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      "body": "Congratulations @ckxpress! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstvote.png)](http://steemitboard.com/@ckxpress) You made your First Vote\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstpost.png)](http://steemitboard.com/@ckxpress) You published your First Post\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/firstvoted.png)](http://steemitboard.com/@ckxpress) You got a First Vote\n\nClick on any badge to view your own Board of Honor on SteemitBoard.\nFor more information about SteemitBoard, click [here](https://steemit.com/@steemitboard)\n\nIf you no longer want to receive notifications, reply to this comment with the word `STOP`\n\n> By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "body": "![1-hoWJ1mumQuTxhAqx6A4dSA.jpeg](https://steemitimages.com/DQmb7R7paCLE8PDjMTQtbFMwjgWaA5tLFmrrBYXUYpd8C5X/1-hoWJ1mumQuTxhAqx6A4dSA.jpeg)\n1. 我老到不是startup，不是流動支付業界，不是專家是哩民，而且百分百不是KOL，所以文章肯定不是在說我。\n\n2. 不過我幾年前也說過香港電子支付落後，至今立場不變，而且對文章部份論點不能苟同，遂簡單回應一下。\n\n（兩年前：昨天抱著被批的覺悟轉發了一條人民日報指八達通不思進取的文章，真心點評說八達通很落後。回應越寫越長有點難跟，我乾脆變成短文好了。 #1 我希望能集中討論八達通是否落後，不管報道來自人民日報還是WSJ。我好討厭官方喉舌，但當牠說地球是圓的，…）\n\n3. 有關電子支付，我一直以來「說」香港很落後，從未「嘲」香港很落後。就像真球迷支持一隊波，無論球隊多弱，但球迷依然衷心支持。責之切，指出隊波弱，分析其他強隊可學習的地方，何錯之有。\n\n4. 提倡電子支付方式是一回事，取消現金支付是另一回事。只要繼續提供現金選擇，著重私隱者大可繼續使用現金，因此，提倡電子支付，不會侵犯私隱。倒是八達通，一直利用車資傾斜，使得現金使用者多付車資。倒是大銀行，對存款硬幣甚至紙幣的小商戶收取手續費。\n\n5. 我認為，所謂先進，不就是有幾多百分比的人使用電子支付，而是有幾多場景提供電子支付這個選擇。反過來，我說香港在流動支付方面落後，不是多少人用電子支付，而是很多場景沒有提供方便的電子支付這個選擇。過隧道、搭的士、飯後分賬單、食魚蛋粉、去士多買薯片等等——而我很難想像這些都是出於私隱。收款者的私隱，或者吧。\n\n6. 另一文章沒提及，但屬於判斷「先進」與否的重要依據是，各種電子支付對收款方的成本。開始使用的成本多少，每次交易的成本多少，都是完全客觀的。我說八達通落後的其中一個原因，是商戶要提供八達通的成本很高，先是安裝，再是每次交易。我說微信支付和支付寶在一些層面甚至超越了信用卡，因為前者可以做到RMB1的小額支付，而一般商戶使用VISA／Master的每次交易成本卻起碼USD0.3左右。這是為甚麼App Store、Google Play的收費至少USD1，而在個別國家卻能做到「sub dollar pricing」的原因之一。\n\n7. 文章提了很重要的一點，leapfrogging。電子支付，非洲leapfrog了，中國也leapfrog了，但leapfrog一樣是被超越，因為香港完善的銀行體系而被超越，並不會使問題變得次要，甚至更顯問題的嚴重性，因為那代表了社會現存的體系正妨礙自身的發展。\n\n// 但銀行業的優勢，是tech base的企業不能取代的，比如說資本的實力\n\n8. 不是想鬥大，tech公司市值多大都跟我無關，不會讓我自豪，但客觀事實要搞清。2017Q2全球市值最高的十家公司tech base的佔七，剩下三間也不是銀行。另，HSBC的市值也低於騰訊、阿里。\n\n// 倒不如真正了解香港監管機構及香港人的需要，努力建設一個便利任何年齡層的支付生態。\n\n9. 完全同意。",
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