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Prosper3000万收购个人金融初创企业BillGuard

近日,P2P借贷巨头Prosper Marketplace完成了对个人融资安全软件BillGuard的收购。

虽然收购交易总额并未披露,但有消息指出,这场交易涉及金额高达3000万美元现金,另有一定数量未经披露的股票部分。

Prosper Market(又称Prosper.com)是P2P借贷行业的领军人物,自2006年以来,其经手的贷款额已超过40亿美元。目前为止,公司融资额超过3亿5000万美元,其中包括四月份完成的1亿6500万,该笔资金也使Propser估值飙升到20亿美元。

BillGuard 2010年成立于以色列,该公司在个人金融领域声誉良好。公司在特拉维夫和纽约都设有办事处。他们为用户提供以用户为基础的应用,使美国居民可以时刻监控他们的银行卡交易情况,并为用户发送隐藏费用、计费错误和欺诈等提醒。

BillGuard的数据大部分都来自其130万的注册用户,他们会把曾经遭受到的不合理收费情况都在APP中说明。BillGuard表示,在过去几年中未授权罚款金额高达7000万美元,但他们同时表示会在其核心服务中加入防身份窃取的保护。

Prosper称此次收购使其能够为客户提供更多工具,以帮助其作出更明智的金融决策。此外,BillGuard在特拉维夫拥有一支强大的工程师和产品团队,而且公司的两位创始人Yaron Samid和Raphael Ouzan也来自那里。Prosper认为这也是一个重大利好。

Prosper首席商务官Itzik Cohen表示:“以色列拥有众多非凡的技术类人才,这一点上它与硅谷平分秋色。通过扩展BillGuard的已有团队和产品,我们认为能够有效提高行业排名。”

起初他们只是通过电话表达了交易意向,最终Cohen专程去到特拉维夫与BillGuard团队共处几日,此行也大大加速了双方的合作意向。

“我们很快就达成了共识,你们知道的当产品好合作意向明确的时候,一切都顺理成章,”Ouzan说,“我们团队的科技人才给他们留下了深刻印象。他们想要成为一家产品公司,他们想要BillGuard走在为消费者提供金融福祉的前端。”

事实上,GillGuard在满足Prosper需求的同时,也将继续迭代其现有服务,因为公司已经不仅仅是一个单纯的P2P借贷服务商,而是逐步转型成为金融管理公司。BillGuard在特拉维夫和纽约的员工都将加入Prosper,同时其在纽约的办公场所将移至旧金山。Ouzan也表示他们计划将以色列的中心缩减一半,在明年同时完成从25到75的三倍人员增长。

Prosper首席执行官Aaron Vermut表示:“这对于Prosper Marketplace来说将会是一个变革性的收购,同时也会对市场借贷行业产生影响。目前为止,还没有人把市场借贷和个人金融管理服务结合起来,从而使真正给予消费者授权、保护和教学指导。”

尽管BillGuard过去在全球其他市场都有涉足,但之后其主要精力都放在美国市场上。现在,在Prosper之下,Ouzan认为他们将来有可能会再度进军全球市场。

继一月份以2100万美元收购了病人众筹平台American HealthCare Lending之后,这是Prosper完成的第二次收购。

BillGuard, the crowdsourced security app for personal finance, has been acquired by peer-to-peer lending giant Prosper Marketplace.

While the full value of the deal has not been revealed, VentureBeat has learned that the transaction amounts to around $30 million in cash, plus an undisclosed stock component.

Prosper Marketplace was one of the pioneers in the peer-to-peer lending model, and is better known for Prosper.com, which has handled more than $4 billion in loans since 2006. The company has raised north of $350 million to date, including a $165 million round back in April that valued the San Francisco-based company at almost $2 billion.

BillGuard has also built a solid reputation in the personal finance realm since it was founded out of Israel in 2010. The startup, which has offices in Tel Aviv and New York, offers a consumer-focused app that lets anyone in the U.S. monitor their bank card transactions and receive alerts for hidden fees, billing errors, and scams.

Much of BillGuard’s data comes from its community of 1.3 million registered users, who flag any “bad” charges they receive. BillGuard claims more than $70 million in unauthorized charges have been flagged over the years and, back in June, added identify theft protection to its core offering.

Prosper said that the acquisition will enable it to offer its current customers more tools “to make smarter financial decisions.” Moreover, BillGuard boasts a strong engineering and product team in Tel Aviv, where the company’s two founders — Yaron Samid and Raphael Ouzan — hail from. And Prosper pointed to this as a major boon.

“Israel is home to phenomenal tech talent on par with the best of Silicon Valley, and we see great opportunity to bolster our ranks by broadening BillGuard’s proven team and product,” said Itzik Cohen, chief business officer at Prosper.

What began as a few phone calls about a potential deal culminated in Cohen traveling out to Tel Aviv to spend a few days with the BillGuard team. And Ouzan told VentureBeat the synergies quickly became apparent.

“We had a blast — you know those times where the product really makes sense and the integration is clear — it took us a minute to figure out a joint roadmap,” said Ouzan. “They were blown away by the talent of the team. They want to become this product company, and they want BillGuard to be at the forefront in terms of providing financial wellbeing to consumers.”

In effect, BillGuard will continue to work on and iterate its existing service, while feeding into Prosper Marketplace, as it evolves beyond simple peer-to-peer lending into a more extensive financial management company. BillGuard employees in Tel Aviv and New York will join Prosper, with the New York office moving to San Francisco. Ouzan also said it plans to “double down” on its Israel hub, and will triple its headcount from 25 to 75 in the next year.

“This will be a transformative acquisition for Prosper Marketplace and for the marketplace lending industry,” added Aaron Vermut, Prosper’s CEO. “Until now, nobody has brought together marketplace lending and personal finance management to deliver an offering that truly empowers, protects and educates consumers.”

While BillGuard has launched in other markets around the world in the past, it has since pulled the product from other countries to focus exclusively on the U.S. However, under the wing of Prosper Marketplace, Ouzan said it will broaden its global horizons again in the future.

This is Prosper’s second acquisition, having snapped up patient-financing platform American HealthCare Lending for $21 million back in January.


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  • 遇见在 2015/09/28 17:31回复

    很有收获 不错 不错

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