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全新的互联网金融模式区块链国际资讯基于互联网平台的金融业务投融资监管与政策

[未央翻译]Fintech国际资讯周报|2017年第15周

OCC将开启美国Fintech行业动态监管模式

美国货币监理署OCC将于近期发表Fintech行业发展章程,强调要在当前的金融监管框架下,提高整体创新能力,做到传统金融业和金融科技行业平衡发展,逐步建立动态监管框架。

从目前来看,OCC旨在通过该章程在美国的Fintech行业建立严格的监管标准,而非此前"点到为止"的监管模式。对此,业内人士也表示了担忧,他们认为,过于严格的监管体制将阻碍行业创新。如若监管机构不能拿捏好监管尺度,那该章程对于促进Fintech行业的发展毫无意义。

OCC有关工作人员表示,该章程的制定是依据整个Fintech行业的发展情况,因此,并非所有Fintech公司都能够适应新的监管框架。为了迎合该监管制度,部分Fintech公司已经开始调整自身发展模式,在促进业务增长和加强风险防控中探索适应行业监管的最佳策略。

2016年荷兰众筹产业增长幅度达33% 创历史新高

数据显示,2016年,荷兰众筹行业筹集资金总额超过1.7亿欧元,较2015年增长33%,创下该国众筹业新高。

自众筹产业在荷兰兴起以来,一直呈现出稳定增长态势。2016年初,该行业的发展却遭遇了巨大打击。大量的众筹项目失败,巨额资金流失,行业风险达到顶峰,这也引发了各大金融机构和普通民众的强烈反响。从一开始,众筹产业的优越性被过度夸大,而随着多数项目的失败,人们对众筹的看法又转向了另一个极端。

作为一种新兴的金融投资工具,众筹产业的发展仍处在一个十分脆弱的成长期,存在着诸多的问题,投资人有机会获得丰厚的回报,但也面临着资金损失的风险。而围绕着这一系列现象的关键并不在于监管机构采取什么样的措施才能消除风险,而在于公众是否有勇气探索出适合本国国情的众筹产业模式。

美国支付公司Remitly国际支付业务扩大到英国

位于美国西雅图的支付初创公司Remitly将其国际支付业务扩展到第三个国家--英国,使用户能够跨境汇款。该电子汇款业务受到亚马逊创始人杰夫·贝佐斯(Jeff Bezos)的支持,使美国和加拿大的用户每年向印度,菲律宾,墨西哥和其他拉丁美洲国家汇款超过20亿美元。现在,英国的用户已经可以使用PC版和移动app版的Remitly向印度和菲律宾等国进行跨境交易。

Remitly首席执行官Matt Oppenheimer表示,欧洲在世界金融市场上的作用不言而喻。据统计,英国每年向世界各地输出超过190多亿英镑的汇款,而Remitly也有意将英国作为扩展其在欧洲大陆市场的战略基地。

美国次贷公司Elevate Credit上市历经一年:是"成功"也是"开始"

美国次级信贷机构Elevate Credit早在去年年初就开启了IPO计划,但过程中遭遇了种种阻碍,计划被一再搁置。近日,Elevate Credit终于登陆NASDAQ,完成了这个历时一年的IPO计划。但发行价格远远低于预期的20至22美元。截止到美国时间4月10日,Elevate Credit股票收盘价为7.69美元,当日成交量约为14.7万股。

Elevate Credit成立于2014年,是一家总部位于美国德克萨斯州的在线借贷公司,致力于为"次级客户"(信用分数700分以下的人群)提供借贷服务。

自成立以来,该平台已通过Rise、Sunny和Elastic这三类产品向71.4万名用户发放了近22亿美元的贷款。同时,近两年来,Elevate Credit的收入、利润等主要财务指标均呈现出显著上涨趋势,平均年增长率超过40%。

fintech公司如何看待英国脱欧?

本月初,英国正式启动里斯本条约第50条离开欧盟。

英国fintech行业开始考虑这一决定引起的形势变化将对他们自身、对他们的客户(金融服务公司和中小型企业)以及整个经济产生什么影响。

特蕾莎.梅启动脱欧程序标志着英国企业历劫的开始。随不确定性而来的是投资减少和增长停滞。没有强劲的投资,企业将无法在不可预测的脱欧后市场中生存。

中小型公司在脱欧时段里将尤其寸步难行。如果启动条约后投资和借贷水平下降,那明日的企业家们将没有机会大放异彩,因为没有资金来发展公司进而也无法刺激经济增长。中小型企业应该使用P2P快速融资来发展业务,以免被不确定性拖垮。

Euroclear正式宣布今年推出区块链黄金交易平台

4月12日消息,欧洲清算银行有限公司Euroclear正式宣布已经完成区块链黄金交易平台第二阶段的测试,并表示今年晚些时候全面启动这个项目。

据悉,该区块链黄金交易平台是由Euroclear公司与区块链创业公司Paxos以及16家金融机构组成的一个团体共同开发而成,参与试点的金融机构包括花旗银行,加拿大丰业银行(Scotiabank),法国兴业银行(Société Générale)。Euroclear公司表示,在这次为期两天的测试期间,总共执行了超过100,000金条的结算交易。

今年1月,Scotiabank、Euroclear产品战略和创新总监宣布完成平台的第一阶段测试,并称"这是为伦敦黄金市场开发新的结算功能的第一个重要步骤,有助于降低风险,简化交易后流程"。据了解,平台在第一次测试期间,共执行了大约600笔交易。此外,Euroclear是在去年6月份首次公开了这个平台。

人工智能如何助力未来人寿保险市场发展?

AI拥有的大量、复杂的数据集合与保险行业需要的微妙的人际关系,多年的历史数据以及需要察言观色的独特的销售流程十分契合,因此AI的功能非常适用于保险行业。

人工智能经常通过自然语言处理(NLP)来实现。当有人向Alexa提供保险报价,与社交媒体聊天机器人互动,甚至提交保险索赔时,实际上是是自然语言处理系统在发挥作用。

在购买前的教育阶段,人工智能机器人可以帮助人们了解他们的保险需求,回答有关他们的财务状况的问题,并帮助客户建立继续购买的信心。对那些致力于提高保险购买体验适应性的人工智能来说,还有另一个重要机会:基于具体的客户资料和投入,度身定制语气和采购行程,最终消除客户对不相关问题和步骤的需求。

德勤发布全球金融科技中心报告 中国雄踞风投总额首位

上周,本年度全球创新金融峰会(Innovate Finance Global Summit)在伦敦正式召开。

在本次大会开幕式上,著名咨询公司德勤发布了一份有关全球新兴金融科技中心的报告。这份名为《联通全球金融科技:2017金融科技中心临时报告》的报告分析了44座城市(具体来说,是新增了24个中心,同时更新了另外20个2016年9月报告中提及的金融科技中心情况)。被选中的中心城市代表需根据六大类别,如决定在该中心开展金融科技业务难易度的指数评分,进行概述与自我评估。

不出所料,伦敦与新加坡在各项金融科技创企发展建设方面的指数评分遥遥领先。英国是首个将自己定位为金融创新重心的中心。新加坡则因政府公开宣布金融科技对其经济的重要性而迅速建立起拥抱颠覆性金融的声誉。

Innovate Finance发布英国首份金融科技沙盒咨询报告

近日,Innovate Finance与英国金融市场行为管理局(后文简称为FCA)合作发布了一份名为《沙盒咨询发现预览》的文件。

本次简报重点如下:

  • 金融科技沙盒提供包括企业家在内的完整金融科技生态系统,提供如数据、应用程序编程接口、参考架构等资源,从而提高解决方案开发速度。
  • 促进行业合作,识别并处理共有客户问题以及技术、管理难题,有助于解决复杂难题。
  • 鼓励管理者参与观察员工作,让产业能够在解决方案开发周期前共享信息,有助于提升管理效率。

Innovate Finance称,咨询报告旨在满足金融科技行业一系列高标准要求,提供使用案例、最佳实践、实施方案,让行业参与创造适用于自己特殊需求的产业沙盒。

美国:小额散户到底能投资哪些在线借贷平台?

对在线平台来说,接受小额投资代价其实很大。许多公司成立也不过几年时间,考虑到合格投资者(个人或机构)有必须投资的资金,把合格投资者作为目标自然更容易。但现在出现了向小额投资者开放的在线借贷平台,范围几乎横跨所有借贷领域。

  • Lending Club允许小额投资者投资消费借贷,与其他上榜平台相比,Lending Club基本包揽了所有消费者借贷;
  • Prosper平台与Lending Club类似。投资者可以购买从AA到HR等级的消费借贷;
  • Fundrise最初做房地产众筹平台,允许投资者选择不同的房产进行投资;
  • RealtyMogul.com最近发行了自己的eREIT,如今已经成为混合借贷平台;
  • StreetShares向小企业提供贷款,大部分贷款都流向退伍老兵开办的企业;

Experian与新兴生物识别公司BioCatch联手打击欺诈

数据分析公司益博睿(Experian)上周五表示,将与技术公司BioCatch携手合作,利用行为生物识别技术帮助其客户发现在线申请信用卡及其他借贷产品的欺诈者。

BioCatch的软件加入了益博睿(Experian)的防欺诈平台,该软件通过跟踪包括用户打字速度或在网页上移动鼠标的速度等因素,分析用户与设备和网站进行交互的方式。 通过这种方式收集的信息可以帮助BioCatch确定用户是他们所说的身份还是冒名顶替。

这些公司表示,欺诈者会利用自动程序或机器人,通过在"暗网(互联网的一个只能通过特殊浏览器匿名访问的区域)"上盗取身份信息,在线申请信用产品。行为生物识别技术在识别这类欺诈方面十分有用。

普华永道:未来五年,79%的零售银行业务将被金融科技颠覆

4月6日,普华永道发布了《2017全球金融科技调查中国概要》。调查显示,在未来五年内,零售银行、投资及财富管理、资金转移及支付领域将是被金融科技颠覆程度最高的领域,电商平台、大型科技公司和传统金融机构会是这场变革中最具颠覆性的力量。

调查显示,金融科技在客户、产品与服务、渠道三个维度中创造更多的机遇,但同时面临三大挑战--首先,在竞争方面,互联网和科技行业存在的"赢家通吃"的模式在金融业是否可行值得思考;其次,监管是一把双刃剑,法规不仅需要与时俱进,更关键的是如何在鼓励创新和控制金融风险间取得平衡;另外,在金融科技的竞争浪潮中,金融机构培养面向未来的复合型人才也非易事。

调查还显示,大多数中国金融机构计划在未来三到五年内加强与金融科技公司之间的合作,合作过程仍需进一步磨合。

"盗版之王"Kim Dotcom宣布推出比特币内容支付平台Bitcontent

备受争议的新西兰互联网大亨吉姆·多特康姆(Kim Dotcom)计划推出一项比特币支付系统,供用户售卖文件与视频。美国认为多特康姆违反了版权法,要求将他引渡到美国,多特康姆正在抗争。

企业家多特康姆出生于德国,本周他在上传至YouTube的视频中宣布将成立一家名为"Bitcontent"的新公司。多特康姆曾创办流媒体网站Megaupload,Megaupload已经停业。美国执法部门认为该网站侵权,而且存在洗钱嫌疑,正在对多特康姆进行通缉。

Bitcontent与现有比特币运营有何不同?除了现有付费订阅支付模式之外,Bitcontent如何帮助新闻机构赚钱?多特康姆均未透露相关细节。

澳大利亚联邦银行被指阻碍fintech发展

近日,金融科技平台Acorns(澳大利亚)控诉澳大利亚联邦银行(后文简称CBA)故意阻止其用户使用Acorns软件,扼制竞争。

Acorns向澳参议院经济委员会提交材料称,CBA最近警告其用户使用Acorns软件将增加他们的账户盗欺风险。而Acorns则表示,这个警告具有误导性而且毫无根据。

在提审的材料中,Acorns还指责CBA妨碍Acorns获取客户数据。Acorns写道:"Acorns获得客户准许通过CBA在线银行获取他们的资料。而我们被阻碍无法获取客户数据,CBA账户持有者因而无法全面使用Acorns软件的功能和享受服务。"

CBA方面则回应称"完全反对"对于其滥用市场权力的指控。CBA说他们与许多fintech第三方运营商合作,关心的主要是客户安全。

美国保险科技创企Trov获4500万美元D轮融资

日前,总部位于加州的保险科技创企Trov宣布完成4500万美元D轮融资,HSB Ventures领投,Oak HC/FT、Suncorp Group、Guidewire、Anthemis和日本保险业巨头Sompo Holdings跟投。

不同于传统的保险公司,Trov采取了近年来金融科技领域兴起的用户个性化服务趋势。传统的财产保险模式要求用户支付昂贵的保险费用,用以保障用户的全部财产,然而其弊端在于,用户真正需要保障的仅仅是电脑或电视等几样物品,但却要支付所有物品的保险费用。

成立于2012年的Trov在转型成保险公司之前,曾是一家个人物品管理公司,为用户提供个人财产和物品的的跟踪、保管服务。目前,在美国,该项业务仍具有广泛市场。Trov也始终坚持以该项业务为核心,采用先进的云技术,发展成为了一家数字化保险平台。

The OCC Fintech Charter is a Key First Step, Not the Last Word

The recent charter proposal from the Office of the Comptroller of the Currency (OCC) strives to strike the balance of promoting greater innovation but doing so within the constructs of existing national bank laws and regulations. As it has done with previous generations of innovative products, like credit cards, the OCC recognizes that the business of banking is not static, and the agency is working within its existing authority to create a single national regulatory option for financial technology firms.

The OCC applies the bank standards in a manner that imposes inflexible and undue costs on new entrants, Fintech firms will not bother to apply and the whole exercise will have been for naught. (Source: Crowdfund Insider)

Report: Crowdfunding in the Netherlands Grows by 33%

In 2016 a total of €170 million was raised through crowdfunding in the Netherlands. This sets a new all-time high for the size of the crowdfunding market in the country. However, for the first time since its rise, crowdfunding in the Netherlands has not grown exponentially: crowdfunding grew by 33% compared to 2015.

The rise of crowdfunding is in a vulnerable period. And the most sensitive question is whether people can handle an economy in which they not only determine the appropriate project or company they want to invest in but also what risk they take in investing in it. The fundamental question in the rise of crowdfunding is not whether the risks can be eliminated, but whether we dare to continue to explore through crowdfunding how we create an economy in which people can play such a decisive role. (Source: Crowdfund Insider)

U.S. payments startup backed by Amazon founder expands to UK

U.S. payments startup Remitly has launched services in Britain, expanding its international footprint to a third country from which users can send money abroad, the Seattle-based firm told Reuters on Tuesday.

The digital money transfer service, backed by Amazon.com founder Jeff Bezos, sends more than $2 billion in remittances annually to India, the Phillipines, Mexico and other Latin American countries for users based in the United States and Canada.

Customers in Britain will be able to use Remitly's desktop and mobile app, and will initially be able to send money to India and the Philippines. (Source: Business Insider)

Lending Startup Elevate Credit May Go Public

Fort Worth, Texas-based Elevate Credit focuses on providing technology-driven, progressive online credit solutions to non-prime consumers. Non-prime consumers normally have credit scores of less than 700 and find it difficult to get loans from banks. Elevate uses advanced technology and proprietary risk analytics to provide more convenient and responsible financial options to these customers. It currently offers online installment loans and lines of credit in the US and UK.

Elevate has seen rapid growth since launching its product offerings. Together, Rise, Elastic, and Sunny, have provided nearly $2.2 billion in credit to approximately 714,000 customers. (Source: INC.)

The impact of Brexit: Fintech firms begin to speak out

With Article 50 being enacted this week, the fintech industry is considering what the new landscape created by the UK formally announcing its intentions to leave the EU will mean for themselves, their clients, both financial services and SMEs, and the economy.

Theresa May triggering Article 50 is the start of a serious trial for UK enterprise. With uncertainty comes a decline in investment and the threat of growth halting altogether. Without strong investment, businesses will be unable to keep their heads above water in an unpredictable post-Brexit market. SMEs will find this an especially daunting period. If investment and lending levels drop following Article 50, tomorrow's entrepreneurs will remain in the shadows, lacking the cash to drive their businesses and our economy forward. (Source: BOBS GUIDE)

Euroclear Bankchain Tests Blockchain-Based Gold Settlement Service

Paxos, a global securities depository and blockchain technology provider, has completed a pilot test for Euroclear Bankchain, a settlement service for London bullion.

The service combines Euroclear's settlement activities with Paxos' blankchain platform. The service is designed to reduce risk, improve efficiency, and minimize balance sheet constraints for gold market participants.

More than 600 OTC bullion trades settled in a two-week period for banks including Citigroup, Scotiabank, MKS PAMP, Societe Generale and INTL FCStone. All are part of the Euroclear Bankchain Market Advisory Group that now 17 participants, according to Paxos. (Source: cryptocoinsnews)

How AI will Power the Future of Life Insurance

AI is most commonly seen through the lens of natural language processing (NLP) - NLP takes over when someone asks Alexa for insurance quotes, interacts with social media chatbots, or even files an insurance claim.

In the pre-purchase education phase, AI bots could be used to help people understand their insurance needs, answer questions about their financial situation, and help customers continue with confidence down the path to purchase. There's another significant opportunity for AI that takes an adaptive approach to the insurance-buying experience: tailoring the tone and purchasing journey based on specific customer profiles and inputs, which would ultimately remove the need for irrelevant questions and steps. (Source: VENTURE BEAT)

Deloitte Publishes Report on Global Fintech Hubs: A Tale of 44 Cities

Deloitte has published a report on emerging Fintech Hubs around the world that analyses 44 different cities. Entitled "Connecting Global FinTech: Interim Hub Review 2017,"

The report updates 20 of the hubs profiled in September 2016 and introduces an additional 24 hubs. As one may expect, London and Singapore remain the top hubs to establish and grow a Fintech startup, based on their index performance scores. The UK was the first hub to establish itself as a center for financial innovation but Singapore has rapidly built a reputation for embracing disruptive finance as the government has publicly announced the importance of Fintech to its economy. (Source: Crowdfund Insider)

Innovate Finance Shares Findings from UK Fintech Sandbox

Innovate Finance has published a "Sandbox Consultation Finding Preview in concert with the Financial Conduct Authority (FCA).

Highlights from the brief report include:

  • Fintech Sandboxes can accelerate solution development by providing the whole of the Fintech ecosystem, including entrepreneurs, with access to resources such as data, APIs, or reference architectures;
  • Complex problem solving can be improved by facilitating industry collaboration on identifying and addressing complex shared consumer, technological and regulatory challenges;
  • Regulatory efficiency can be enhanced by encouraging regulators to engage as observers where industry can share knowledge early in the life cycle of solution development;

(Source: Crowdfund Insider)

P2P and Marketplace Lending Options for Non-Accredited Retail Investors

Since many firms are just a few years old it's much easier to target accredited individual and institutional investors due to the capital those investors have to deploy.

While the number of options for retail investors pales in comparison to the opportunities for accredited investors, it's been great to watch companies create new offerings over the last few years. These companies realize the important role that retail investors play as an additional source of capital. Even within the same Regulation A+ structure they have created unique models and it will be interesting to watch the traction over the coming years. (Source: LEND ACADEMY)

Experian turns to biometrics startup to combat fraud

Credit bureau Experian has joined forces with technology firm BioCatch to use behavioral biometrics to help its client's spot fraudsters applying for credit cards and other lending products online, the companies said on Friday.

BioCatch's software, which was integrated in Experian's fraud prevention platform, analyzes the way users interact with devices and websites by tracking a wide range of factors including how fast they type or the way they move their mouse across a web page.

The companies said behavioral biometrics is especially useful in spotting when automated programs, or bots, are being used by fraudsters to apply for credit products online by using stolen identity information they acquire on the "dark net," an area of the internet only accessible with special browsers that can ensure anonymity. (Source: VENTURE BEAT)

PwC FinTech Survey: Fintech is to shape a new financial service model in China

According to the PwC Global FinTech Survey China Summary 2017 released on April 6, the three main areas to be disrupted by FinTech in China over the next five years will be consumer banking, investment & wealth management, and fund transfers & payments.

  • Fintech will provide financial service providers with more productive ways to obtain customers;
  • Products & services of Fintech companies will move to tailored and contextualized offerings;
  • Mobile will become the main service channel in financial industry;

Meanwhile, FinTech also brings new challenges to financial industry.

  • The 'Winners-take-all' model in the current Fintech industry can't adapt to the requirement of the development;
  • Regulation, which can act as a double-edge sword, also needs to be appropriately evaluated;
  • Cultivating inter-disciplinary talent pool is becoming increasingly significant;

(Source: PwC)

Kim Dotcom announces Bitcontent, a new Bitcoin venture for content uploaders to earn money

Controversial New Zealand-based internet mogul Kim Dotcom plans to launch a Bitcoin payments system for users to sell files and video streaming as he fights extradition to the United States for criminal copyright charges.

The German-born entrepreneur, who is wanted by U.S. law enforcement on copyright and money laundering allegations related to his now-defunct streaming site Megaupload, announced his new venture called 'Bitcontent' in a video posted on Youtube this week. (Source: VENTURE BEAT)

CBA accused of blocking fintech growth

CBA has been accused by Acorns Australia of deliberately blocking its customers from engaging with the fintech app as a way to stifle competition.

In a submission to the Senate economics committee, Acorns said CBA recently told customers that using the Acorns app increased the risk of fraud on their accounts.

CBA, however, has since responded by saying it "totally refutes" the allegation it is abusing market power. (Source: IFA)

On-demand insurance platform Trov raises $45 million ahead of U.S. and global expansion

Insurance tech startup Trov has closed a $45 million Series D funding round led by HSB Ventures, with participation from Oak HC/FT, Suncorp Group, Guidewire, Anthemis, and Japanese insurance giant Sompo Holdings.

Founded in 2012, California-based Trov sells itself as an on-demand insurance platform "for the things you love." So rather than insuring the entirety of your possessions, you can choose just a single item or the items that you value most. Prior to pivoting to become an insurance company, Trov was actually a personal inventory app that allowed users to value and track their various possessions. (Source: VENTURE BEAT)


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