最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

银行也众筹?英国初创企业Mondo首开先河

移动银行Mondo计划于近期正式推出。就在几天前,这家银行宣布将为众筹投资者在Crowdcube平台上预留100万英镑的投资额度。银行也众筹?Mondo此举可谓是开了先河。

众筹投资者将于早期科技风投公司Passion Capital一同参与Mondo的筹资过程,Passion Capital已经在前期许诺投资500万英镑,而这还不包括去年已经投入的200万英镑。据估算,这轮投资的交易前预估值将达到2400万英镑。而众筹投资这是否最终获得与Passion Capital同样的股权类型?最终答案还要等融资结束才能揭晓。这轮新融资无疑会加快Mondo正式推出之后的业务进展。

不过目前Mondo还不能全完称得上是一家"银行"——它去年才向英国金融市场行为监督局(The Financial Conduct Authority,简称FCA)和英国审慎监管局(The Prudential Regulation Authority,简称PRA)提交了申请,而目前还在等待监管机构的最终回复。Mondo希望能够在今年晚些时候得到盼望已久的英国银行业执照。不过,目前已经有1500名用户参与了Mondo银行服务的试运行测试。另有3万名用户也已注册,只等Mondo正式开门营业。

据悉,Mondo此前曾经拒绝了一家著名国际投资机构参与此轮融资的请求。

Mondo, a soon to be launched mobile-first challenger bank, has today announced that it will reserve £1million of its upcoming fundraise for investors through Crowdcube. This makes Mondo the first ‘bank’ to raise money through crowdfunding.

The crowd will invest alongside early stage tech specialist venture capital firm Passion Capital which has already committed £5 million. This is on top of a £2 million investment last year. The round is to be pitched at a pre money valuation of £24m. It is unclear at this stage whether crowd investors will be investing on exactly the same terms as Passion – the class of share that they will get etc. However, we are told that this will be clear when the round launches and all investors will invest at the same valuation. The new funding will enable Mondo to accelerate the roll-out of services at the start of its public launch.

Mondo is not yet officially a bank – having submitted its application to the FCA and PRA last year, it is currently awaiting regulatory approval for its UK banking licence which it hopes will come through later this year. However, it does have 1,500 users currently testing the bank’s services and a further 30,000 users who have registered for their services once launched. The firm tells us that they have turned down additional offers from notable international investors in this investment round.


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评论

  • 炒肉丝在 2016/03/03 17:29回复

    腐国银行终于开窍了。

  • D
    Dan在 2016/03/03 15:31回复

    在移动银行端,腐国落后天朝了啊

  • V
    VictorXue在 2016/03/02 22:26回复

    中英文对照很好,内容也值得思考~

  • 4
    44101在 2016/03/02 19:54回复

    比较喜欢,还有中英文对照

  • A
    Aliceli在 2016/03/02 15:02回复

    还有中英文对照~挺好的~

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