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国际资讯投融资

监管规范动作不断 欧洲fintech产业展望良好

近期,欧洲在fintech监管方面动作不断,比如英国针对初期fintech创企的“沙盒”,再比如欧盟即将在投资研究(MiFID II)和在线支付(PSD2)相关条例上所做的重大改变等等。受此影响,2017年第一季度欧洲fintech创企获风投资金大增。第一季度,欧洲fintech企业共完成73笔投融资交易,累计资金总额高达6.67亿美元。按照目前的这种趋势估算,2017年欧洲fintech交易活动活跃度预计将比2016年高57%。据统计,2017年第一季度瞄向欧洲市场的风投资金已占16年总额的60%。

从季度数据来看,2017年第一季度的风投融资增长尤为明显。与16年第四季度相比,欧洲2017年第一季度fintech融资上涨222%,交易数量增加74%。获得3000万美元以上风投融资的fintech公司有四家,包括电子银行Atom Bank、中小型企业市场借贷平台Funding Circle、在线储蓄市场Raisin和区块链提供方BitFury Group。

数据最惊人的恐怕就是欧洲初期fintech的投资增长速度。对初期创企的投资交易数量2017年第一季度比16年第四季度增长72%,融资数额增长近4倍,好几笔交易大于1000万美元。瑞士电子货币交易所ShapeShift获得A轮融资1040万美元、德国电子银行平台solarisBankA轮融资2800万美元,英国一为移民和在外务工人员服务的银行appMonese获A轮融资1000万美元。

Amid a number of regulatory initiatives including a “sandbox” dedicated to early-stage fintech startups in the UK and major forthcoming shifts in investment research (MiFID II) and online payments (PSD2) in the EU, funding to venture capital-backed fintech startups in Europe saw a major bump in Q1’17, according to CB Insights data.

Over the first three months of 2017, Europe saw $667M in funding to VC-backed fintech startups across 73 deals. At the current run rate, Europe fintech deal activity is on pace to surpass 2016′s total by 57%. VC-backed fintech funding deployed in Europe in Q1’17 is already at 60% of the total investment amount of 2016.

The funding increase in Q1’17 becomes more evident when looking at the data on a quarterly basis. Compared to Q4’16, Europe fintech funding rose 222% in Q1’17, while deals jumped 74%. There were four $30M+ deals to VC-backed fintech companies in Europe over the three-month period including to digital challenger bank Atom Bank, SMB marketplace lender Funding Circle, online deposits marketplace Raisin, and blockchain provider BitFury Group.

CB Insights

Perhaps most compelling from the new data is the pace of early-stage (seed + Series A) fintech investment growth in Europe. Early-stage fintech deals grew 72% on a quarterly basis, while funding grew almost 4X including a number of $10M+ deals. Some of these deals included a $10.4M Series A to Switzerland-based digital currency exchange ShapeShift, a $28M Series A to Germany-based digital banking platform solarisBank, and a $10M Series A to Monese, a UK-based banking app for immigrants and expats.


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