最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

2015上半年金融科技投资总额赶超前四年总和一半

William Garrity咨询公司的调查表明,2015年上半年全球金融科技市场的投资已达127亿美元,等同于自2010年起四年总额的一半。

投资预测平台nVest Ventures认为,人们消费行为的改变是造成金融科技市场投资激增的主要原因。例如,英国使用电子支付的人数已由2014年的12%增长到今年的14%。

整个欧洲市场的投资额为98亿美元,其中55%(54亿美元)是由英国贡献的,这个数额占全球总投资的11%。

美国对金融科技的投资最多,占到了全球总投资的64%(316亿美元)。印度、中国及其他国家加起来占16%(80亿美元),但是随着智能手机及网络的不断普及,这些国家的投资份额还将飞速上涨。

支付、借贷(P2P和直接贷款)及网络安全(包括身份认证及防治诈骗)三大投资领域占整个投资数额的60%(298亿美元),。

William Garrity有限公司的负责人Ian Dowson表示:"金融科技公司正涌入主流资本市场,并相继在伦敦和纽约的证券交易所上市。"

然而,金融科技并不仅局限于发达国家,在发展中国家也形势大好。比如在其演进的第一阶段,就通过M-PESA 和 M-Shwari推出的手机银行和转账服务给撒哈拉以南非洲的数千万人提供了金融服务。"

A total of $12.7bn was invested in global fintech during the first half of 2015, which equates to 50% of the total invested since 2010, research from consulting firm William Garrity Associates has found.

Investment forecasting platform nVest Ventures attributed the surge to changing consumer behaviour. For instance, in the UK the number of people using mobile payment has risen from 12% in 2014 to 14% this year.

The investment in Europe stands at $9.8bn with 55% of that ($5.4bn) being pumped into the UK alone which accounts for 11% of the overall global investment.

The biggest player globally when it comes to Fintech is the U.S. accounting for 64% ($31.6bn) of the overall global investment. India, China and the rest of the world make up for 16% ($8bn) of the total investment, however they are quickly catching up as smartphone and internet access expand.

The three main investment areas representing 60% of the total investment figure ($29.8bn) are payments, loans (peer-to-peer and direct) and cyber security (including identity and fraud prevention).

Ian Dowson, principal at William Garrity Associates Ltd. said: "Fintech companies are now entering mainstream capital markets and are quoted on the London and New York's stock exchanges.

"However, the impact of fintech is not limited to advanced economies, even in its first evolution it has been instrumental in bringing financial services to many tens of millions that were previously unbanked in sub-Saharan Africa using mobile banking and money transfer services such as M-PESA and M-Shwari (Smartloan)."


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李婷婷 | 未央团队特约译者

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