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

[未央翻译]Fintech国际资讯周报|2017年第8周

渣打银行携手微信推出全新企业电商解决方案

日前,渣打银行宣布将与腾讯展开合作,通过链接微信的在线支付网关,拓宽线上支付渠道。

据统计,中国的微信支付用户数量已经超过8亿,而此次与腾讯的合作也将有助于渣打银行的企业和商家用户获取海量的客户资源。同时,微信支付所具有的灵活、便捷等特点也将促进银行的商家客户更多地利用电子商务和在线支付等先进的互联网金融渠道进行自身发展。渣打银行有关负责人表示,预计到2019年,银行的微信支付市场将达到2.4万亿美元。

除了优化了应收帐款管理模式外,通过微信支付平台,银行的商家客户还可以对在线支付模式进行自定义设置。相关交易数据也将受到平台的保护。

网贷平台SoFi或在本周完成新一轮5亿美元融资

著名网贷平台SoFi有望于本周完成一轮总额为5亿美元的融资,融资结束后SoFi公司总值将达到43亿美元。

有消息指出,本轮融资将由Silver Lake Partners领投,另有包括日本软银集团、DCM Ventures和对冲基金Third Point等在内的多家机构也将参与本次融资。此外,上述机构同时还会购买SoFi的贷款产品。

SoFi的发展可以算是金融科技领域的成功典范,目前该平台已经累计获得14亿美元融资,注册用户达到23万人。

Investopedia十大金融关键词:Trump、Fintech表现抢眼

近日,金融行业内著名的新闻和百科类网站Investopedia发布了2016年行业十大关键词,其中,美国总统唐纳德·特朗普和金融科技"出镜率"较高。

对此,Investopedia主编Caleb Silver表示,尽管特朗普还未在政治上表现得"有所作为",但他的经济政策和主张已经对世界经济的发展产生了巨大的影响。2016年,特朗普的经济构想已经逐步进入人们的生活,并开始慢慢产生影响。

2016年世界金融行业十大关键词:Calexit、NAFTA、Trumpflation、Black swan、Interest rates、Fintech、Peer-to-peer lending、Dodd-Frank Regulatory Reform Bill、Blockchain和Trumponomics。

加拿大银行发布研究报告 加强数字货币监管

近日,加拿大银行发布研究报告。通过对19世纪银行发行的私人票据进行研究,报告指出,从长远来看,政府监管的缺失将对以比特币为代表的数字货币的发展造成负面影响。

报告分别考察了19世纪银行私人票据的流通情况和政府票据的流通情况,以及两者在市场上相互影响的过程。加拿大银行有关负责人认为,这两者与目前所盛行的数字货币都具有一定的相似之处。

报告指出,设计合理并且管理得当的数字货币是可以在目前的市场上广泛流通的,但是政府监管是其长期发展的唯一保障。此外,私人数字货币的特点决定了在流通过程中,将完全不会引发通货膨胀风险,但是"假币"将成为其发展过程中的重大阻碍。

印度正式推行二维码支付计划

印度政府日前正式推出名为IndiaQR的二维码支付服务,这将成为印度政府构建无现金社会的重要步骤。

二维码可用于储存用户数据,如用户的网络信息与银行账户信息。印度的智能手机用户可通过手机摄像头对二维码进行读取,同时,没有支付终端或POS设备的商家也可以通过二维码扫描接受付款。

IndiaQR是一项由印度政府授权的计划,由万事达,Visa和RuPay共同开发,目前已在孟买推出。现阶段,印度政府计划将尽可能多的商家纳入二维码支付计划。有关人士预测,政府的这一举措将激发印度的支付服务企业加大投资,开发相关服务。

金融科技创企TrueLayer完成130万美元种子轮融资

近日,总部位于伦敦的金融科技初创公司TrueLayer宣布完成130万美元种子轮融资,Connect Ventures 和Graph Ventures领投。据了解,Nexmo的创始人,著名天使投资人Tony Jamous和Eric Nadalin也参与了本次投资。

目前,TrueLayer正在收集传统金融机构的相关数据以及详细信息,同时,加紧对相关平台的开发工作,为金融科技的初创公司获取行业数据提供便利。

此前,TrueLayer曾推出过测试版平台,针对每个用户的习惯,提供包括资金管理和支付等在内的个性化信息服务。

捷豹汽车携手壳牌集团试行车内移动支付系统

近日,捷豹汽车宣布将在未来的车型内内置移动支付功能--用户只需轻轻点击车内操控数字面板,就可在英国的壳牌石油加油站通过PayPal或者Apple Pay完成支付行为。

这款APP是捷豹公司与壳牌集团的合作产品,中心系统利用地理定位技术与云端预支付功能保证消费者支付行为的实现。支付完成后,车内数字操控板上会出现一个数字收据,而司机的电子邮箱中也会同时收到一份。

而壳牌公司方面表示,本次合作主要是为了加强在汽车清洗、加油站饮食支付等方面的数字化程度。

目前这款APP已经登录英国市场,预计后期还会在全球其他地区市场陆续推出。

美国大通银行计划推出抵押贷款数字平台

近日有消息指出,美国大通银行计划推出一个全新的抵押贷款自助服务平台,用户可以借助电脑端或者手机移动端追踪自己的贷款申请情况。

据悉,本次大通银行选择的合作伙伴是抵押贷款技术专家Roostify,该平台计划于今年晚些时候上线,用户不仅可以通过在线模式上传、追踪和签署抵押贷款合同,还能与贷款服务人员和房地产中介进行实时沟通。

2016年全球Fintech融资骤降 今年将恢复增长势头

KPMG和CB Insights发布的报告显示,2016年,全球金融科技公司融资总额急剧下滑,其中,美国和欧洲地区下降最为显著。2015年,全球金融科技领域融资总额为470亿美元,而这一数字到2016年缩减到250亿美元,下降幅度达到50%。但据预测,金融科技行业的融资总额将在2017年恢复增长态势。

在美国,相比于2015年的270亿美元,金融科技公司融资额下降至仅128亿美元,而交易总量也从615下降到了489。这一下降归咎于美国政治行情的不明朗和行业监管的不确定性,此外,大型商品交易的减少和消费者的投资偏好也对此有一定影响。

2016年,欧洲的金融科技行业的表现则更为糟糕。融资总额从2015年的109亿美元下降到去年的22亿美元,下降幅度达80%。其中,2016年,英国金融科技行业依然保持稳定,但交易额从2015年的46亿美元下降至6.54亿美元。

众多银行巨头拟合作成立以太坊发展联盟

日前,以JP Morgan为代表的美国银行业巨头宣布将成立以太坊发展联盟,以促进以太坊智能合约技术的开发,并加强其在世界五百强企业中的应用。该联盟近日将在纽约举办首次会议。有关人士表示,联盟计划将通过以太坊的有关专家对世界五百强企业、初创公司、学术专家以及技术支持方进行连接。

以太坊最初是在2013年底,由数字货币研究员和程序员Vitalik Buterin提出并建立的,目前以发展成为了一个基于区块链技术的分布式记账平台,并且具有智能合约功能。

摩根大通(JP Morgan)、芝加哥商业银行(CME Group)、BNY梅隆银行(BNY Mellon)和桑坦德银行(Banco Santander)已公开表示加入联盟。此外,微软(Microsoft)、Red Hat 和思科(Cisco)也宣布将对该联盟提供支持。

韩国银行宣将与R3区块链联盟开展概念验证项目

近日,韩国银行宣布,将与R3区块链联盟开展合作,利用区块链技术开展概念验证项目。

韩国金融监管局金融科技规划团队负责人Kim Jung-hyuk表示,韩国银行已经决定与R3联盟就概念验证开展有关合作,具体的合作细节和项目规划将会稍后公布。

此外,韩国银行还成立了工作组,专门负责对数字货币的发行进行监管。

该工作组主要负责监察数字货币对韩国银行货币政策及其金融稳定性的影响,同时,另一个独立的技术研究团队将研究如何对数字货币的发行、流通和交易进行监管。

越南将朝无现金社会发展

越南正在尝试改变国内人们的支付方式,减少现金交易,提高电子支付普及率。越南副总理Vuong Dinh Hue曾发布相关政策,加快国内与电子支付有关的基础设施建设,争取到2020年全面普及电子支付。

其中,超市、商场以及经销商是越南政府推行电子支付的重点对象,政府预期在未来两年将它们的现金交易量降低到10%一下。此外,相关负责人还表示,将采取措施使公用服务事业和电信公司的现金交易量减少30%,家庭现金交易量减少50%。

SEC与NASAA签订州内众筹数据共享协议

近日,美国证券交易委员会(SEC)和北美证券管理员协会(NASAA)签署了一项关于新规则的信息共享协议,以对美国各州的众筹性产品和区域性产品进行规范。NASAA是代表美国国家证券监管机构的游说组织。

SEC有关负责人表示,该协议旨在推行新免税政策的实施,其目的是提高中小企业资本的使用效率。此外,协议能够促使联邦和各州的证券监管机构更好地施行监管职责,维护众筹市场稳定,防止金融欺诈行为发生。

印尼将于近日推出全新在线借贷监管条例

据《雅加达环球报》报道,印尼金融服务当局金融服务管理局(OJK)正研究推出新条例,管束在线借贷机构。该条例或将于今年4月-6月间发布。

该条例涉及直接出借己方资金的在线借贷机构,即所谓的资产负债表(balance sheet lenders)。

此模式与P2P借贷不同,P2P借贷中,借贷平台为第三方债权人与债务人牵线,并从每比交易中扣费。OJK以针对P2P借贷模式推出了相应的条例。

OJK官员Dumoly Pardede告诉《雅加达环球报》,新条例将为资产负债表借贷机构设限。目标在于将借贷规模控制为小额。如此以来在线资产负债表借贷机构将弥补市场空缺,而非直接与银行竞争。

俄联邦储蓄银行表示明后年落实区块链应用

俄罗斯联邦储蓄银行行长Herman Gref近日表示,将于2019年年底之前在俄罗斯部署全产业规模的区块链。

Gref在房地产市场创新会议上指出,虽然时间安排"可能有些太乐观",但此计划仍然是可行的。

Gref还表示,总理Dmitry Medvedev已经批准设立工作组,以研究区块链应用。

他说:"俄罗斯联邦总理签署设立了一个特别工作组,由第一副总理Igor Shuvalov牵头,重点关注如何吸收区块链技术。"

谈到技术本身时,Gref补充说,他认为它"真的会影响到所有行业"。

Regtech公司Qumram获Mundi Ventures 150万瑞郎天使投资

Qumram是一家专注于监管合规和风险管理的金融技术公司,日前,该公司宣布获得来自Mundi Ventures的 150万瑞郎投资。公司负责人表示,Mundi Ventures作为公司的天使轮融资,将帮助Qumram扩大在英国和北美的服务市场。Mundi Ventures是一家总部位于西班牙马德里的风险投资集团。

Mundi也表示,通过对Qumram的内部组织架构、市场情况以及用户构成进行评估,认为Qumram目前处于正确的发展方向,并且具有良好的发展前景。

Qumram致力于通过对市场金融主体的数字金融业务进行记录,为金融服务机构提供高效、便捷的数字化审计服务。

荷兰银行与法国兴业银行开启区块链技术在石油交易市场的应用研究

荷兰银行与法国兴业银行宣布与国际贸易公司Mercuria达成合作,开启区块链技术在石油交易市场的应用研究。目前为止,区块链技术曾在非洲与中国的石油贸易中被三次运用,其中,交易中所涉及的银行、交易商以及各个机构都可以直接在区块链平台上进行实时信息沟通和监测交易进程。

银行负责人表示,应用区块链技术能够显著提高银行的工作效率,使银行处理每宗交易的时间由3小时减少到25分钟。

此外,区块链所包含的的分布记账技术有助于减少商品交易过程中的诈骗行为,促进资产数字化进程。

英国与安大略证券委员会达成金融科技发展合作共识

近日,英国金融市场行为监管局(FSA)与安大略证券委员会(OSC)达成协议,将加强金融科技市场沟通,促进两地公司合作。早在2014年,英国的金融市场监管局就已经在伦敦建立了金融科技创新中心,以巩固伦敦作为全球金融技术中心的地位,帮助初创公司适应行业监管环境。

此次双方的合作意味着,英国和安大略地区的金融科技公司都将获得更大的市场,同时,公司在发展的资源的选择上也将拥有更大的主动权。但这也意味着,公司的发展将必须遵循英国和安大略的监管框架。

英国金融市场行为监管局(FSA)与安大略证券委员会(OSC)也致力于加强金融科技发展新趋势和监管信息的分享。

比特币借贷平台bitcoin获120万美元天使投资

Bitbond是一家以比特币业务为核心的在线借贷公司。日前,该公司宣布,已经完成了120万美元的天使轮融资,投资人包括Fyber的创始人Janis Zech和Andreas Bodczek,以及Kreditech的创始人Alexander Graubner-Müller。

目前,Bitbond的用户数量分布120个国家,总数超过76000人。公司负责人称,将利用该笔资金继续拓展用户群,开发新产品。此外,Bitbond着重强调,未来将在金融发展落后地区获取用户。

奔驰东家戴姆勒加入开源区块链团队

德国汽车制造商和跨国公司戴姆勒公司已加入开源区块链工作组--Hyperledger项目。

戴姆勒公司是一个世界上最知名的品牌之一梅赛德斯·奔驰背后的母公司,是行业巨头投资和研究区块链技术的最新例子。

戴姆勒的财务和IT控制部门主管Jonas von Malottki在Hyperledger管理委员会上代表德国巨头表示说,汽车公司作为"高级会员"加入其中。

戴姆勒公司首席信息官(CIO)Jan Brecht说:

"我们认为区块链是一个有前途的技术,尚未完全成熟,但正在不断成长。现在是进入它的正确时间,学习相关知识,并形成一个志同道合的人的网络,从而来分享经验。"(来源:火币区块链研究中心)

印度储备银行拟提高支付行业准入门槛

本月20日, BharatQR移动支付系统正式在印度上线。印度储备银行副行长R. Gandhi表示,随着印度逐步推进电子支付产业发展,必须加强市场监管,完善行业法律法规,对支付服务提供商资质进行严格把关。

BharatQR是一种由印度的国家支付公司(NPCI)、Mastercard 和Visa共同开发的支付方式,具有互操作性强、成本低等特点。

消费者在使用这种新型支付方式时,不必再为商户提供的不同支付网络下不同的二维码而发愁。商家只需展示一个二维码供消费者扫描即可。

对冲基金掀起人工智能浪潮

金融科技公司Sentient Technologies计划将推出人工智能(AI)程序,针对对冲基金中的股票交易进行管理,全面代替人工操作。

近年来,对冲基金与人工智能的联系变得愈加亲密。包括Bridgewater Associates、Point72和Renaissance Technologies在内的传统对冲基金都在不断加大技术研发投入,尝试进行新突破。但目前来看,它们对人工智能的应用仅限于进行现状分析和趋势预测,而Sentient Technologies则致力于利用人工智能管理整个股票交易流程。

截止到目前,Sentient Technologies已经花费了近10年时间对该人工智能程序进行开发,其中主要包括,针对股票交易市场的数据存储、数据搜索、趋势分析、机器学习等方面进行深度研发。除股票交易外,Sentient所研发的人工智能程序还可应用于其他电子商务产品。

Northern Trust计划利用区块链技术建立私募股权基金

近日,Northern Trust已经与IBM就利用区块链技术建立私募股权基金达成合作协议。此前,Northern Trust曾通过瑞士的资产管理公司Unigestion对该系统进行了部署,目的是解决传统私募股权基金管理中存在的的效率,安全和透明度缺陷。

区块链网络的建立将基于超级账本的架构,为基金管理者、投资者以及监管者提供实时信息。据了解,该系统是由Northern Trust和IBM与英国根西岛当地政府合作开发的。

Standard Chartered connects corporate customers to WeChat

Standard Chartered has aligned its cash management offering with WeChat's online payment gateway, giving corporate merchant customers access to 800 million consumers in China. The QR based connection with WeChat Pay will help Standard Chartered's Chinese clients harness the growth in e-commerce and alternative payment methods, says the bank, a market which is expected to reach $2.4 trillion globally by 2019.

In addition to simplifying receivables management, the TenCent connection allows for corporate merchants to customise the online checkout and secure transactional data. (Source: Finextra)

SoFi closes in on $500m funding round

SoFi is on the verge of closing a $500 million funding round led by private equity firm Silver Lake Partners that would value the online lender at $4.3 billion, according to Bloomberg.

Citing sources, Bloomberg says that the round could close next week and is likely to include several investors from Asia, including Japan's SoftBank, DCM Ventures and Third Point. The investors will also buy SoFi's loans.

It is now looking to move into other retail banking areas, recently buying fellow fintech player Zenbanx, enabling it to offer checking accounts, credit cards and international money transfers. (Source: Finextra)

Trump, fintech win big among top 10 financial terms of 2016

Finance news and education site Investopedia released its list of the top 10 financial terms of last year - and President-elect Donald Trump, unsurprisingly, and tech lingo both had a big impact.

According to Investopedia, the Top 10 terms of 2016 were: Calexit, NAFTA, Trumpflation, Black swan, Interest rates, Fintech, Peer-to-peer lending, Dodd-Frank Regulatory Reform Bill, Blockchain and Trumponomics. (Source: CNBC)

Private digital currencies need regulation to flourish - Bank of Canada research

Digital currencies such as Bitcoin will not be safe without government intervention and are likely to be counterfeited, according to a Bank of Canada report drawing on the lessons off private bank notes in the 1800s.

The paper examines what happened when both private bank notes and government issued notes were simultaneously in circulation, arguing that both share many characteristics with today's digital currencies.

Drawing lessons from this experience, the report argues that "well designed and managed private digital currencies could circulate widely but only with appropriate government regulation to ensure their safety, soundness, and uniformity". In addition, private digital currencies are likely to be counterfeited and are unlikely to be inflationary. (Source: Finextra)

QR code-based payment initiative rolls out in India

A government sponsored quick response(QR)code-based payment service, IndiaQR, has launched today in India, heralding the next major step in its ambition to be a cashless society.

The QR codes can be used to store data such as weblinks and bank account details and can be read by smartphone cameras. They also enable merchants without a terminal or POS machine to accept card payments by scanning the QR code.

IndiaQR is a government-mandated initiative which has been developed by MasterCard, Visa and RuPay and launched in Mumbai and is designed to make the codes present in as many merchants as possible. Consequently, the initiative has led various payment providers to invest heavily in developing related services. (Source: Finextra)

Fintech start-up TrueLayer closes $1.3m funding round

London-based Fintech firm, TrueLayer, has closed a $1.3m seed funding round led by Connect Ventures with participation from US-based Graph Ventures. Investment has also come from angels including Nexmo Co-Founders, Tony Jamous and Eric Nadalin.

TrueLayer is working on a platform which makes it easier for FinTech startups and developers to access data and details from mainstream financial service providers and banks.

Recently launched in beta, the technology could prove a key part of the new generation of financial apps, such as money management and payment services, which pull data from their user's different accounts and banking services. (Source: Altifi)

Jaguar Test-Drives Embedded Payments

Owners of a new Jaguar have an additional reason to feel superior to other drivers. Going forward, with a tap of the touchscreen on their cars' digital dashboards, they will be able to pay for gas at UK Shell stations using either PayPal or Apple Pay.

Working collaboratively, the car manufacturer and the global fuel giant created the app-based program, which leverages geolocation technology and a cloud-based pre-payment check with the PayPal or Apple Pay wallet to make the purchases happen via the Shell App.

The app is is available for download in the UK as of today and will be introduced to other global markets as the year wears on. (Source: PYMNTS)

Chase preps digital mortgage platform

Chase is gearing up to launch a digital self-service mortgage platform that lets customers track their loan applications to closing entirely online or from their mobile phones. The bank has teamed up with mortgage technology specialist Roostify on the platform, which will launch later this year, letting users upload, track and sign documents digitally, while communicating with loan officers and real estate agents through a real-time messaging. (Source: Finextra)

Global fintech funding plunges in 2016 but expected to regain momentum in 2017

Funding for fintech companies around the world plummeted in 2016, with American and European firms experiencing a particularly sharp drop in investment, according to a report from KPMG and CB Insights which nevertheless predicts a bumper 2017. Total fintech funding declined by almost 50%, falling to $25 billion in 2016 from $47 billion in 2015.

In the US, total funding fell from $27 billion to just $12.8 billion, while the total number of deals was down from 615 to 489, a drop blamed by the report on political and regulatory uncertainty, a decline in mega-deals and investor caution.

For Europe, the picture was even bleaker, with total fintech investment dropping 80% from $10.9 billion in 2015 to $2.2 billion last year. Europe's fintech leader, the UK saw deal value down from $4.6 billion to $654 million, although transaction volume remained steady. (Source: Finextra)

Big banks join coalition to promote Ethereum uptake

A new Alliance to promote the uptake of Ethereum as the foundation for running smart contracts in Fortune 500 enterprises is set to host its inaugural meeting in New York next week. The Enterprise Ethereum Alliance aims to connect Fortune 500 enterprises, startups, academics, and technology vendors with Ethereum subject matter experts.

Initially proposed in late 2013 by Vitalik Buterin, a cryptocurrency researcher and programmer, Ethereum is an open-source, public, blockchain-based distributed computing platform featuring smart contract functionality.

JP Morgan, CME Group, BNY Mellon and Banco Santander are understood to be among the big banks lending support to the initiative, which has also won the support of Microsoft, Red Hat and Cisco among others. (Source: Finextra)

Bank of Korea, R3 consortium to carry out blockchain project

The Bank of Korea said it will carry out the Proof-of-Concept project with R3 consortium by using blockchain technology.

Kim Jung-hyuk, head of the e-finance planning team at the Bank of Korea's Financial Supervisory Service, said "We recently decided to proceed with the proof-of-concept with R3 Consortium and once the final decision is made internally, the specific scope and schedule of the project will be announced".

Meanwhile, the Bank of Korea has launched a task force team (TFT) to overlook the issuing of the digital currency.

The TFT will examine the effect of digital currency on the monetary policy of the Bank of Korea and its financial stability, and a separate technology research team will be looking into how to issue, circulate, and regulate the trading of the digital currency. (Source: Econotimes)

Vietnam Shifts Toward Cashless Economy

Vietnam is moving forward in reducing cash transactions and formalizing electronic payment methods. Deputy Prime Minister Vuong Dinh Hue signed a plan that ensures that the country has the infrastructure and equipment that it needs to progress toward a cashless economy by 2020.

Focus areas that the government is pushing toward cashless payments include supermarkets, shopping malls, and distributors. Vietnam wants to see that less than 10 percent of transactions in these areas are completed in cash. The country also wants to reduce cash transactions for utility services and telcos by 30 percent, and by 50 percent amongst urban households. (Source: Crowdfundinsider)

SEC & NASAA Sign Agreement to Share Data on Intrastate Crowdfunding

The Securities and Exchange Commission (SEC) and the North American Securities Administrators Association (NASAA) have signed an information-sharing agreement regarding new rules to facilitate intrastate crowdfunding offerings and regional offerings take effect. NASAA is the lobbying group that represents state securities regulators.

According to the SEC, the agreement is intended to ensure that the new exemptions are serving their intended purpose of facilitating access to capital for small businesses. The SEC said that under the memorandum of understanding (MOU), federal and state securities regulators will be better able to monitor the effects of the new rules and also guard against fraud. (Source: Crowdfundinsider)

Online lenders like UangTeman to face new regulations in Indonesia

ndonesia's financial services authority (OJK) is working on new rules for online money lenders, The Jakarta Globe reported earlier this week. The expected release date is between April and June this year.

The regulations concern online lenders who give out loans from their own capital - so-called balance sheet lenders.

That's different to peer-to-peer (P2P) lending - where the online platform matches third-party money lenders with borrowers, taking a cut from each transaction. OJK already introduced regulations specific to the P2P lending model.

The rules will put a cap on the the maximum amount balance sheet lenders can hand out, OJK official Dumoly Pardede told the Jakarta Globe. The aim here is to keep the loan size small. This way, online balance sheet lenders would fill a gap rather than compete directly with banks. (Source: Tech In Asia)

Russia to Deploy Blockchain By End of 2019: Sberbank Chief

Sberbank Chief Herman Gref has said industrial-scale Blockchain deployment in Russia will be possible before the end of 2019.

Speaking at the Real Estate Market Innovation Conference, Gref said that although the timeframe was "perhaps a little optimistic," it was nonetheless workable.

Gref also said that prime minister Dmitry Medvedev had given the go-ahead for a working group to be created for the purposes of studying Blockchain applications.

Speaking about the technology itself, Gref added that he assumed it would affect "literally all industries." (Source: Coin)

Regtech Firm Qumram Receives CHF 1.5 Million Investment from Mundi Ventures

Mundi Ventures has invested CHF 1.5 million in Qumram, a Fintech firm that focuses on regulatory compliance and risk management. Qumram said Mundi's investment finalized their 2016 angel funding to expand services both in the UK and North America. Headquartered in Madrid, Mundi is a tech-focused venture capital group.

Qumran described the Mundi investment as strategic as the VC will be providing due diligence support and will facilitate access to corporate executives, new markets, and new customers.

Qumram allows all digital activity and interactions (web, social, mobile) to be recorded and replayed, in movie-like form, providing a transparent digital audit trail for financial services organizations. (Source: Crowdfundinsider)

ING and SocGen make blockchain-based oil trade

ING and Societe Generale have teamed up with commodity trading house Mercuria to test the use of blockchain technology for a live oil trade. Blockchain tech was used to sell an oil cargo shipment containing African crude three times on its way to China, with traders, banks as well as an agent and an inspector, all performing their role in the transaction directly on the 'Easy Trading Connect' platform.

The experiment found that by making efficiency gains in certain processes, the average total time for a bank to complete its role in the transaction could be slashed from approximately three hours to 25 minutes.

In addition, applying distributed ledger technology to the commodity trade financing chain can prevent issues such as documentary fraud and allows for the digitalisation of assets, claim the pilot participants. (Source: Finextra)

UK and Ontario regulators form fintech pact

The UK's Financial Conduct Authority (FSA) has inked a deal with the Ontario Securities Commission (OSC) designed to make it easier for fintech startups from each market to gain access to the other. The FCA has made a concerted effort to foster London's position as a global fintech hub, setting up its innovation hub back in 2014 to help young firms navigate the complex regulatory landscape.

The partnership means that, once referred by the home regulator, and ahead of applying for authorisation to operate in the new market, businesses will have access to dedicated staff that will help them to understand the regulatory framework in the market they wish to join, and how it applies to them.

The FCA and OSC have also committed to share information on emerging trends and regulatory issues pertaining to innovation in financial services. (Source: Finextra)

Bitcoin-based marketplace lending platform scores $1.2m fundraise

German SME lending platform with bitcoin at its core looks to grow into new markets.

Bitbond, the small business loans marketplace built on bitcoin, has scooped $1.2m in equity funding from a number of angel investors. The backers included Fyber founders Janis Zech and Andreas Bodczek, in addition to Kreditech co-founder Alexander Graubner-Müller.

The cash will be used to continue growing a user-base which has already swollen to 76,000 people, from 120 countries, and for further product development. A particular emphasis will be placed on acquiring new users in markets that are underserved by the banks. (Source: Altfi)

Mercedes Benz Maker Daimler Joins Hyperledger Blockchain Project as Premium Member

German automaker and multinational Daimler AG has joined the open-source blockchain working group, the Hyperledger Project.

Daimler AG, the parent company behind one of the world's most recognizable brands in Mercedes-Benz, is the latest example of an industry giant investing and researching blockchain technology.

The automotive company joins as a 'Premium Member' in an arrangement that will see Daimler's head of Finance and IT Control, Jonas von Malottki, represent the German giant on the Hyperledger Governing Board, an announcement revealed.

Daimler AG CIO Jan Brecht stated: We see Blockchain as a promising technology, not fully mature yet, but continuously growing. Now is the right time to get into it, build up knowledge and form a network of like-minded people to share experiences. (Source: Cryptocoinsnews)

RBI not for free licensing of payments sector: Deputy Governor

Launching the BharatQR mobile payments acceptance system here on Monday, RBI Deputy Governor R. Gandhi said granting licences to payment service providers cannot be an automatic "tick box exercise" and such entities need to be selected as per proper selection criteria.

BharatQR is an inter-operable and low cost payment acceptance solution, developed by National Payments Corporation of India (NPCI), Mastercard and Visa.

With this new digital payments solution, consumers will not need to scan different quick response (QR) codes at the same merchant provided by the different payment networks. The merchants will only need to display one QR code at the storefront or through the acquiring bank's mobile application. (Source: PCMag India)

AI trader? Tech vet launches hedge fund run by artificial intelligence

Sentient Technologies Inc., a startup that has spent nearly a decade-largely in secret-training an AI system that can scour billions of pieces of data, spot trends, adapt as it learns and make money trading stocks.

While traditional hedge funds including Bridgewater Associates, Point72 and Renaissance Technologies have poured money into advanced technology, many use artificial intelligence to generate ideas-not to control their entire trading operations.

All the same, Sentient, which currently trades only its own money, is being closely watched by the finance and AI communities. The venture capital firm owned by Hong Kong's richest man, Li Ka-shing, and India's biggest conglomerate, Tata Group, are among backers who have given the company $143 million. (Source: Bloomberg)

Northern Trust runs private equity fund on blockchain

Northern Trust has engaged with IBM on the commercial deployment of blockchain technology for the private equity market. Northern Trust has deployed the system at Unigestion, a Swiss asset management firm, with the aim of addressing efficiency, security and transparency failings in the administration of traditional private equity funds.

The blockchain network, built on the Hyperledger fabric, provides real-time insight and transparency to all parties, including the fund managers and investors as well as allowing regulatory access when required. It was developed in concert with Government and regulatory authorities in Guernsey, where the fund is domiciled. (Source: Finextra)


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