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监管与政策

数字银行N26成功获德国及欧洲监管机构授权

今日,来自柏林的移动银行平台Number26(现已正式更名N26)宣布获得德国联邦金融监管局(BaFin)的银行从业全权授权。而此前,N26还获得了欧洲中央银行的许可。自平台运营以来,所有的授权过程历经一年半的时间。而从今天起,N26就可以在全欧洲开展银行业服务了。

N26宣称是欧洲银行科技平台中最领先的平台之一。虽然我还没有试用过他们的服务,但是我认为相比传统银行,N26肯定有过人之处。据悉,N26共在8个欧洲国家设立了办公室,累计雇员总数超过20万。N26曾先后获得Peter Thiel,Battery Ventures和李嘉诚旗下维港投资等多家著名机构投资。而在今年5月结束的B轮投资中,N26更是成功斩获了4000万美元。

N26联合创始人兼首席执行官Valentin Stalf表示,这份许可对于继续推动零售银行业的可持续革新至关重要。

目前,N26向用户提供一系列低价高值的服务,比如实时信用分数、费用支出、Cash26(零售商现金服务)、MoneyBeam(通过社交信息软件或电子邮件进行快速转账)等等。据说,在N26开立一个新账户只需要短短8分钟,而且通过智能手机就可以直接完成。

那么传统银行是否会坐以待毙?当然不会。但是,传统银行改革面临许多固有障碍,比如重重监管和落后的IT系统都是不小的问题。

Today Berlin-based Number26 (N26) received a full banking license from the German regulatory authority, the Federal Financial Supervisory Authority (BaFin). They also received approval from the European Central Bank (ECB). This comes after a year and a half of operations and N26 now has the approval to conduct banking operations all across Europe.

N26 describes its smartphone banking platform as “one of a kind” and “Europe’s most modern banking technology platform.” While I have not yet had a chance to give it a try, N26 simply must be better than what traditional banks are offering today. According to info provided by N26, they have over 200,000 clients in 8 different European countries that would agree. N26 has raised over $53 million from a list of big name investors including Peter Thiel, Battery Ventures, Li Ka-Shing’s Horizon Ventures and more. Their Series B was just completed this past May raising USD $40 million.

Valentin Stalf, co-founder and CEO of N26, said the banking license is an important step to creating sustainable change in retail banking;

The low-cost, high-value service, will compete by providing features like real-time credit, expense sharing, Cash26 (cash from retailers), MoneyBeam (money transfers via SMS or email in seconds), all just a start. Opening a new bank account is said to take only eight minutes and can be done directly from your smartphone.

So will traditional banks fight back? Of course, they will. But the legacy of a culture averse to change (driven in part by crushing regulation), entrenched senior management, and out of date IT systems is a ball and chain on innovation.


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