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20周

蚂蚁金服上市被推迟至明年底

由于需要获得监管部门的批准并专注于开展业务,蚂蚁金服的IPO已被推迟到2018年底或次年上半年。

2016年8月,媒体有分析人士称蚂蚁金服最早或将于2017年上半年在香港IPO;2017年2月福布斯认为,蚂蚁金服今年有望在香港上市,或成中国最大IPO。今年2月,有媒体报道中国证监会正在考虑为部分国内最大的科技公司上市提供快捷通道,以帮助这些公司跳过申请上市的长队,蚂蚁金服等公司或在受益之列。但蚂蚁金服随后回应称,对市场传闻不作评论,目前蚂蚁金服没有上市时间表以及上市地点的方案。根据一季度数据,蚂蚁金服旗下的余额宝货币基金规模为全球最大,高达1656亿美元。

苹果2亿美元收购AI初创公司Lattice.io

苹果近日以2亿美元收购了人工智能初创企业Lattice Data,后者以AI技术驱动,采集非结构化的暗数据(dark data),然后将其进行结构化、有用的信息。据悉,Lattice Data的约20名工程师已经加入苹果。

截至目前,Lattice Data团队并入哪个部门、将负责哪些项目,仍不得而知。Lattice Data创建于2015年,曾获得来自GV、Madrona 、InQTel至少2000万美元的融资。由斯坦福大学计算机科学教授Chris Re和密歇根大学计算机科学教授Michael Cafarella共同创立。卡法雷拉是第一代大数据技术Hadoop的开发者之一。Lattice.io的技术还类似于谷歌的"知识图谱"(Knowledge Graph),这是一种可以了解人、地和事物之间关系的技术,并能为"加州的首府是哪座城市"这类问题提供答案。

纽约时报:指纹支付潮流来临 安全问题引发关注

近日,美国纽约大学和密歇根州立大学联合发布研究报告,聚焦指纹支付中存在的安全问题。报告指出,目前,智能手机的指纹支付系统仍不完善,通过打印指纹等方式可以轻松破解手机的指纹解锁。来自这两所大学的研究人员自主研发了一套指纹破解程序"万能指纹"(MasterPrint),对一个人的指纹拍照,然后通过该程序进行打印,打印出来的模型就可以解锁手机的支付软件,准确率高达65%。

人类指纹整体特征的组成十分复杂,通常难以伪造,而由于智能手机附带的指纹扫描仪通常较小,只能读取部分指纹,因此,只需要伪造出指纹的局部特征即可破解指纹密码。不过,也有学者认为,如今大多数手机制造商已经意识到了指纹支付的安全隐患,并正在通过加紧研发反欺诈技术来完善安全系统。其中,美国手机芯片制造商高通公司已经发布了新型指纹传感系统,通过利用超声波技术来检测手指深层皮肤图案,验证指纹的真实性。

安永正式进军加密货币领域:从加入比特币协会开始

安永(EY)瑞士分部宣布加入瑞士比特币协会(BAS),并正式为其提供支持。BAS在本周三发布的声明中表示,安永的这一决定证明了这个全球咨询巨头对进军加密货币领域的坚定决心。瑞士正在快速转型为加密货币和区块链活动中心,Crypto Valley Association(加密山谷协会)就位于楚格,旨在鼓励企业参与加密技术。而安永也在去年宣布接受其瑞士客户的比特币支付,同时还在本周加入了爱沙尼亚的加密银行项目Polybius Cryptobank。

医保改革过后 美国健康保险公司更加看好数字健康投资

《平价医疗法案》通过后,美国健康保险市场受到一系列新动态的影响,包括适用人数的增加、健康交流的推出以及对预防医学的新重视。 尽管目前的健康监管形势变幻莫测,但以价值为基础的医药转型并未发生变化,保险公司仍在寻找更多的途径来管理其覆盖人群的健康状况,区分其产品,并使用其他方法获得新的数据。为了这一目的,一些较大的健康保险公司已经开始在私人市场寻找投资或收购机会。

据CB Insight发布的报告显示,在2012年第一季度至2017年第一季度的141笔交易中,Blue Cross Blue Shield Ventures 活动最多,有42笔交易;Humana收购的公司数量最多,达到七家,重点是老年护理,包括Arcadian Management Services,American Eldecare和SeniorBridge Family;奥马达健康是这一时期唯一一家拥有多家顶级投资者(包括Kaiser Permanente Ventures和Humana Ventures)的健康保险公司的公司。

挪威大型在线银行整合Coinbase账户,提供比特币实时查询和购买服务

挪威最大的网上银行将其网络银行平台和比特币账户连接在了一起。Skandiabanken用户目前已经能够通过自己的银行账户进入Coinbase,查看数字投资状态。Skandiabanken的所有业务都是在线上展开的,是目前挪威最受欢迎的网上银行。该银行认为用户会喜欢这个新功能,因为他们能够更方便地查看数字投资状态。

根据挪威税法规定,该国税务机关将比特币定义为一种财产,是可征税收入。另外,Skandiabanken挪威分行用户还能利用这一服务通过Paypal购买比特币。虽然有不少银行认为比特币是一种"邪门的"技术,但Skandiabanken坚信应该与新技术的发展步伐保持一致。

人工智能交易可能会引发哪些问题?

数据显示,约有55%的美国人通过直接购买股票、持有股票共同基金或退休账户投资股票市场。 在收入超过7.5万美元的家庭中这类人群的比例跃升到88%。 谈及投资,很多人把一切都交给别人,比如股票经纪人或财务顾问。 有趣的是,这个托管者的角色正越来越多地由人工智能系统扮演。

但是,越来越多的对冲基金正完全被人工智能驱动的交易引擎引导。 这些资金是金融市场上的人工智能先锋。 而且,正如被人工智能驱动商业转型的其他市场一样,这些引擎代表着创新的新投资产品,同时也伴随着新的问题。

人工智能指导投资的增长可能会产生严重的后果,特别是在某些情况下,使用专有人工智能的单一投资者或投资基金能够获得与其他市场参与者相比不公平的优势。这种情况被称为"股市奇点",而且这种情况发生的基础早已奠定。

智利最大的证券交易所将实施IBM的区块链技术

智利正在推进实施一个主要的区块链试验。全球科技巨头IBM在今日透露,其与圣地亚哥证券交易所合作了一个项目,该交易所将运用一种基于区块链的证券借贷解决方案。

正如IBM解释的那样,这个新工具将有助于智利的证券出借方、银行、证券交易所、机构客户以及监管机构交换信息,同时减少相关后台约40%的处理时间。据悉,圣地亚哥证券交易所在未来一年的目标,是利用其市场地位围绕该区块链项目构建一个更大的生态系统。

Apple Pay登陆意大利市场:首发3家银行

苹果的移动支付服务 Apple Pay 今天正式在意大利上线了。用户现在可以将其信用卡和借记卡添加到 Apple Pay 中,并可以使用其应用内支付、在线支付和线下支付功能。

目前,意大利 Apple Pay 支持 3 家银行:Boon、Carrefour Banca 和 UniCredit,且支持万事达和 Visa 的信用卡和借记卡。Apple Pay 在意大利推出并不令人吃惊,因为近几个月来出现了许多相关的信息。例如在二月份,Apple Pay 的文件就曝光了其即将在意大利上线。

苹果正在致力于将 Apple Pay 扩展到亚洲和欧洲的其它国家,最近还有证据表明,苹果的移动支付服务也将会在德国推出。然而,与其它一些国家一样,苹果和德国银行之间的谈判依然是十分有挑战性的,似乎双方目前都难以达成协议,不过可以肯定的是,Apple Pay 登陆德国只是时间问题。

全球支付平台Payza宣布推出比特币服务 商家无需将比特币转换为法定货币

5月15日,全球支付平台Payza(与PayPal并列为全球两大国际在线网银支付工具)宣布推出完整的比特币服务。该公司同时还声称是第一家"把比特币当作法定货币一样对待的"电子钱包提供商。

新功能推出后,商家可以在他们的Payza账户中直接持有比特币,而无需再将比特币转换为法定货币。此外,比特币支付将受到Payza解决中心的保护。

Payza引入的额外比特币服务包括:即时比特币-法币兑换和同时在Payza电子钱包中持有比特币和法币的选项。Payza会员可以直接在他们的钱包中持有比特币,绕过了需要一种单独的比特币钱包进行比特币与法币兑换的流程。Payza还表示,接收比特币的费用只有每笔交易1.2%,这要低于标准Payza接收手续费的2.9%+0.3美元。

欧洲议会权威区块链报告:区块链改变日常生活,智能合约应用最有前途

欧洲议会已经发布了一份新的报告--《区块链如何改变我们的生活》,总结了区块链技术的能力和挑战以及对社会价值可能带来的影响。这份来自欧洲议会研究局的报告指出,在所有潜在应用中,自动执行的合约(智能合约)正在帮助企业创造能够实现自动化运营的方法。

该报告指出,区块链对于某些情况特别有帮助,例如这种技术对那些需要了解所有权历史的领域非常重要,如管理供应链。然而,尽管具有这些能力,但是这种技术不太可能会引发一场革命。一些需要考虑的更广泛问题还包括保护敏感数据。尽管一些区块链能够提供匿名性,但某些类型的信息不应该被分布到区块链上。

区块链公司Axoni获花旗投资,A轮融资突破2000万美元

纽约区块链创业公司Axoni已获得了另一家巨头投资方的青睐,全球金融机构花旗在今日公布了这一消息。

虽然花旗并没有透露具体的投资金额, Axoni表示,该银行的贡献使其A轮融资的总金额从1800万美元增至2000多万美元。

去年十二月份时,Axoni宣布已获得了富国银行、Euclid Opportunities、高盛、摩根大通、汤姆森路透社、安德森霍洛维茨基金 (Andreessen Horowitz)、数字货币集团(DCG),金融科技集团(FinTech Collective)以及 F-Prime资本合伙人的投资,总金额为1800万美元。今年一月份,Axoni为DTCC打造了一个分布式账本解决方案,其目的是为革新DTCC现有的交易信息仓库(TIW)。

澳大利亚政府将于7月1日承认比特币为货币,并保护比特币企业和交易所

澳大利亚将于2017年7月1日把比特币视为货币,并将废除比特币商品与服务税(GST)。比特币交易者和投资者通过受监管的交易所和交易平台购买和出售比特币将不会再被征税。

在过去两年,澳大利亚比特币交易所市场明显落后于不断增长的市场,如韩国和日本。日韩两国目前控制着全球超过一半的比特币交易所市场份额。

由于澳大利亚银行终止为比特币业务提供银行服务以及澳政府对比特币交易征收双重税,这两大因素促使那些进行比特币和其他数字货币业务的澳大利亚创业公司、交易所和企业逃离这个国家。凭借澳大利亚的新政策,该国的比特币生态系统可能会迎来巨变。银行将开始为比特币交易所提供服务,交易者购买比特币也将不会再被征收GST。

SoFi推出数字财富管理平台SoFi Wealth

在不到一个月前,在线贷款创新者SoFi刚刚宣布将最新的1.05亿美元SoFi主要收入基金用于帮助筹资发放贷款。近日,随着SoFi Wealth的推出,这家公司又一次成为头条新闻。 SoFi Wealth是该公司首个数字财富管理产品,美国的投资者在进行自动化、低成本的交易型开放式指数基金投资时又多了一个新选择,而且SoFi Wealth的最小投资额度只要500美元(或每月100美元的定期存款)。 但与许多智能投顾不同,SoFi Wealth的客户将可以与人力财务顾问进行电话和/或聊天对话框交流。

除了提供现实时顾问、降低投资门槛以及提供基于ETF的低成本自动化投资组合外,如果SoFi平台的贷款人使用该服务,则无需支付相关服务费。非SoFi平台用户使用该服务,首次投资的1万美元免受服务费,后续投资则需支付总投资额0.25%的相关管理费用。客户可以在线或通过SoFi Wealth应用程序访问他们的帐户。

英国计划推出房地产区块链登记制度

英国主管土地所有权登记的政府机构--英国皇家土地登记处日前宣布,由于其承担了一项利用区块链技术进行房地产登记注册的项目,所以需要聘用三名非执行董事会成员。

报告指出,该机构正在努力将英国皇家土地登记处打造成为集快速、便捷、开放式数据于一身的世界领先的土地登记处,这一项目被认为是登记处自150年前成立以来最大的转型。

项目目标的实现要求注册变得更加数字化。登记处计划在不久的将来推出一个"数字街"(Digital Street)的实时测试,以实现房地产所有权变更的快速完成。除此之外,数字街也能允许注册处记录更加精细的数据。

Ant Financial stalls IPO plan as buying spree continues

The blockbuster listing of Ant Financial, the payments affiliate of Alibaba, has been put on ice until the end of next year at the earliest.It was valued at $60bn in its last financing round in April 2016.

Ant's IPO has been pushed back to late 2018 or the first half of the following year because of the need to secure regulatory approval and to focus on building the business. Ant has been buying up assets overseas, including in India, South Korea and the US, where it is seeking to acquire MoneyGram. (Source: CNBC)

Apple acquires AI company Lattice Data, a specialist in unstructured 'dark data', for $200M

As large tech companies gear up to make a stronger push into machine learning and artificial intelligence, Apple has acquired a company to fill out its own capabilities in the area.

Specifically, Apple has picked up Lattice Data, a company that applies an AI-enabled inference engine to take unstructured, "dark" data and turn it into structured (and more usable) information. We've heard from a single source that Apple has paid a price of around $200 million.

The deal was closed a couple of weeks ago, the source said, and about 20 engineers have joined the larger company. (Source: techcrunch)

That Fingerprint Sensor on Your Phone Is Not as Safe as You Think

Fingerprint sensors have turned modern smartphones into miracles of convenience. A touch of a finger unlocks the phone - no password required. With services like Apple Pay or Android Pay, a fingerprint can buy a bag of groceries, a new laptop or even a $1 million vintage Aston Martin. And pressing a finger inside a banking app allows a user to pay bills or transfer thousands of dollars.

New findings published Monday by researchers at New York University and Michigan State University suggest that smartphones can easily be fooled by fake fingerprints digitally composed of many common features found in human prints. In computer simulations, the researchers from the universities were able to develop a set of artificial "MasterPrints" that could match real prints similar to those used by phones as much as 65 percent of the time. (Source: NEW YORK TIMES)

Ernst & Young Joins Bitcoin Association of Switzerland, Will Support Bitcoin Community

Ernst & Young's (EY) Swiss arm has announced formal support and membership of the Bitcoin Association of Switzerland (BAS). An announcement posted by the BAS on Wednesday states the move is part of the global consultancy giant's continued foray into cryptocurrency.

For its part, EY last November proclaimed that Swiss clients could pay invoices in Bitcoin, while internationally it also joined Estonia's Polybius Crypto bank initiative this week. (Source: Cryptocoins news)

Major Health Insurers' Bets: Where they're Investing across Digital Health, Elderly Care, More

After the passage of the Affordable Care Act legislation, the US health insurance market was shaken up by a number of new dynamics, including the growth in numbers of covered people, the introduction of health exchanges, and the new emphasis on preventive medicine. Even though the current health regulatory landscape has been in flux, the shift to value-based medicine has not changed and insurers are still looking for more ways to manage the health of their covered population, differentiate their offerings, and get new datasets, among other efforts.To do this, some of the larger health insurance companies have looked to private markets for investments or acquisitions. (Source: CB Insights)

Norway's Largest Online Bank Integrates Bitcoin Accounts

Norway's largest internet-based bank has added a new feature tethering bitcoin accounts to the company's web bank platform. Skandiabanken customers are now able to access Coinbase accounts giving members insight into their digital investments alongside their savings and checking accounts.

Skandiabanken conducts all of its services online and is currently the most popular internet bank in Norway. The bank believes customers will appreciate the new feature as it provides members with an overview of their digital investments. The service will initially only be offered to Skandiabanken customers using the bank's payment platform. (Source: Bitcoin.com)

AI powered trading raises new questions

Data indicates that about 55 percent of Americans are invested in the stock market through direct ownership of shares, stock mutual fund holdings, or retirement accounts. That figure jumps to 88 percent for households with income greater than $75,000. When it comes to handling their investments, many people turn everything over to someone else, like a stock broker or financial advisor. What's interesting is how that "someone" increasingly refers to an artificial intelligence system. But an increasing number of hedge funds are entirely directed by AI-powered trading engines. These funds are at the vanguard of AI in financial markets. And, like many markets where AI is transforming business as usual, these engines represent innovative new investment products while simultaneously raising new questions. (Source: VENTURE BEAT)

Chile's Largest Stock Exchange Plans to Implement IBM Blockchain Tech

A major blockchain trial is moving toward implementation in Chile. Global tech giant IBM is making public a project with the Santiago Stock Exchange that will find Latin America's third-largest stock exchange incorporating a blockchain-based securities lending solution built jointly by the two companies.

As explained by IBM, the new tool will help enable Chile's securities lenders, banks, stock exchanges, institutional clients and regulators, to exchange information, while reducing the time it takes for relevant back-office processes by 40%. (Source: CoinDesk)

Apple Pay officially opens for business in Italy

Apple Pay is officially open for business in Italy, with Visa and MasterCards issued by Boon, Carrefour, and UniCredit all able to be used by customers. Additional banks are set to be added later on in 2017.

People first saw concrete proof that Apple Pay was on its way to Italy earlier this year, when Apple updated the local support document pages giving details about the service. At the time, Apple didn't include details of specific banks, and used images of generic credit cards instead of branded ones. (Source: CNBC)

You Can Now Deposit Bitcoin to Payza: Now a Two-Way Bitcoin Service

The online payment wallet Payza, formerly known as Alertpay, recently integrated a new feature that enable its users to deposit funds using Bitcoin. The payment platform, which directly competes with PayPal and Skrill, is definitely looking after bitcoin and the possibilities the new currency offers.

This announcement comes two months after the first implementation of Bitcoin on Payza, which concerned the ability to purchase bitcoins using Payza USD balance. The loop is now closed with the addition of this new option for the residents of the 190 countries where the platform is available. Therefore, it can now be described as a genuine Bitcoin exchange, alongside Coinbase, Bitstamp and the several other exchanges that flourished since 2009. (Source: Cryptocoins news)

European Parliament Foresees Impact Of Blockchain On Peoples' Daily Lives

The European Parliament has released a report, "How blockchain technology could change our lives," summarizing the capabilities and challenges of blockchain technology as well as its possible impact on social values. The report, presented by the European Parliamentary Research Service, noted that among all the potential applications, self-executing contracts are creating ways for companies to operate automatically.

The report noted that blockchains are especially helpful for situations where it is important to know ownership histories, such as managing supply chains. Despite the capabilities, however, the technology will not likely result in a revolution. (Source: CoinDesk)

Citi Invests in Blockchain Startup Axoni's Series A Round

Global financial institution Citi has invested in distributed ledger startup Axoni, the company announced today. Though the exact amount wasn't disclosed, Axoni said the bank's contribution brought its Series A round from $18m to more than $20m.

Axoni announced in December that it had raised funds from a group of investors including Wells Fargo, Euclid Opportunities, Andreessen Horowitz, Goldman Sachs, JP Morgan, Thomson Reuters, Digital Currency Group, FinTech Collective and F-Prime Capital Partners. The bank is also playing a role in Axoni's work on a new distributed ledger solution for the Depository Trust & Clearing Corporation (DTCC). (Source: CoinDesk)

Australia Will Recognize Bitcoin as Money and Protect Bitcoin Businesses, No Taxes

Bitcoin will be treated as money in Australia by July 1, 2017, and will be exempt from goods and services tax (GST). Bitcoin traders and investors will not be taxed for purchasing and selling Bitcoin through regulated exchanges and trading platforms.

Over the past two years, the Australian Bitcoin exchange market significantly fell behind growing markets such as South Korea, Japan and South Korea that control more than half of the global Bitcoin exchange market share. Two majors factors which drove startups, exchanges and businesses dealing with Bitcoin and other digital currencies in Australia away from the country where the termination of banking services by leading Australian banks due to their anti-competitive nature and the double taxation of Bitcoin trading by the Australian government. (Source: Cointelegraph)

SoFi Unveils Digital Wealth Management Platform, SoFi Wealth

Less than a month after announcing its new $105 million SoFi Prime Income Fund to help raise funds to issue loans, online lending innovator SoFi is making headlines again with the launch of SoFi Wealth. The new initiative, the company's first digital wealth management offering, will allow investors in the U.S. to invest as little as $500 (or a $100 monthly recurring deposit) in automated, low-cost, ETF portfolios. But unlike many robo advisors, clients of SoFi Wealth will have phone and/or chat access to human financial advisors. SoFi believes that keeping human advisors as part of the overall investment picture is a plus for investors, especially the younger professionals that are a significant part of the company's user base. (Source: Finovate)

U.K. Land Registry Looks to Register Property on a Blockchain

Her Majesty's Land Registry, a U.K. government agency responsible for registering land ownership, has announced it is seeking three non-executive board members as it undertakes a project using blockchain technology to register property.

The posting noted that the agency recently committed to making HM Land Registry "the world's leading land registry for speed, simplicity and an open approach to data." It referenced the project as the most substantial transformation in the registry's 150-year history. (Source: cryptocoinsnews)


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