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花旗银行报告:2017年继续关注中国&Fintech

花旗银行最新报告:“数字颠覆——再度思考:Fintech风险投资揭露一个不断变化的行业”深度分析了Fintech这个不断演变中的行业。该份报告分析了世界各地该行业的情况,得出以下结论:

1. 中国在fintech领域将继续表现突出,这归功于其国内迅猛的数字化进程和中产阶级崛起,以及由于面临来自“富有创业精神的电子商务和社交媒体生态系统”的挑战,传统金融机构的衰弱。2016年前9个月,中国国内fintech总投资额占世界总额一半多。

2. 中国和新兴市场仍然将是P2P借贷的热土。这些国家将服务那些未得到应有服务的人作为增进金融包容性的一项措施。

3. 北美即美国将继续探索2016年发展起来的保险科技(InsurTech)行业——健康保险公司利用大数据、物联网和可穿戴设备来发展业务。

4. 欧洲银行目光将会继续转向B2B,其中大量传统银行将涉猎fintech领域,因为欧洲的风投市场比美国和中国小。

报告分析了不同地区趋势的同时也重点介绍了fintech行业的地理扩张和重合。

“已站稳脚跟的fintech公司会走出本土市场谋求发展。国际扩张方面,阿里巴巴是中国互联网巨头中最野心勃勃的公司。阿里巴巴创始人马云希望该公司超过50%的营业额来自中国以外地区。

许多公司通过收购进行扩张。2016年4月,阿里巴巴花费10亿美元控股东南亚一电商平台Lazada Group。2015年,阿里巴巴和富士康、软银一起向印度领衔电商平台Snapdeal投资5亿美元。同年,阿里巴巴和其子公司蚂蚁金服向印度最大手机钱包公司Paytm投资近6.8亿美元,持股40%。”

对于那些想要扩展海外市场的公司来说,他们会面临许多挑战,比如监管差异、影响顾客偏好性的语言文化差异以及信用使用方面不同的文化。

花旗银行还列出了风投基金最钟爱的fintech服务:支付、借贷、商业工具如在线会计软件和保险科技。

Citi’s latest report, “Digital Disruption – Revisited: What FinTech VC Investments Tell Us About a Changing Industry”, explores the evolving fintech industry. ?In exploring different regions around the world, the report concludes:

?China’s rapid digitalization and rise of the middle class — combined with declining incumbent financial institutions that face competition from “entrepreneurial e-commerce and social media ecosystems” — will contribute to the country’s continued relevance in the fintech sector. ?Total fintech investments in China accounted for over 50 percent of total worldwide figures for the first nine months of 2016.

?China and emerging markets will also remain enthusiastic about peer-to-peer lending, targeting?underserved clients as a part of financial inclusion efforts.

?North America, namely the U.S., will continue its 2016 exploration of InsurTech, where the health insurance space will take advantage of big data, IoT, and wearable devices.

?Europe’s bank will increasingly shift toward B2B with the bulk of traditional banks dipping into fintech since its VC market is smaller than that of the U.S. or China.

Despite the report’s analyses of separate regional trends, it also stresses geographical expansions and overlaps.

“Established FinTech companies are likely to expand beyond their domestic market for growth. Alibaba is the most ambitious company among the Chinese Internet giants when it comes to international growth. Jack Ma, founder of Alibaba, is pushing to generate over 50% of Alibaba’s revenue outside of China.

A lot of the expansion comes through acquisitions. In April 2016, Alibaba paid around $1 billion for a controlling stake in Lazada Group, an e-commerce platform in Southeast Asia. In 2015, together with Foxconn and SoftBank, Alibaba invested $500 million in Snapdeal, a leading e-commerce platform in India. In the same year, Alibaba and its affiliate Ant Financial invested close to $680 million in Paytm, Indian’s largest mobile wallet, claiming a ~40% of stake.”

However, challenges to companies looking to expand beyond their region include regulation differences, language and cultural differences that affect customer preferences, and varying culture in regards to credit use.

Citi also outlined the most popular fintech services that VCs fund: ?payments, lending, business tools like online accounting software, and InsurTech.


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