最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务投融资

印度电商巨头Flipkart布局在线金融,下一个阿里巴巴?

据三位知情人称,在线交易平台Flipkart正在与多家数字贷款创业公司协商提供金融产品。

他们表示,这家总部设在班加罗尔的公司成立了一个专门团队来提供金融服务和产品。 ET在去年8月份的报告中就曾指出,Flipkart已经开始与银行谈判,为将为提供贷款产品做准备。一位知情人说:"尽管几家电子商务公司正在研究金融产品,但Flipkart在这一领域一马当先,并热衷于将其作为创收和帮助其客户的业务。"

Flipkart拒绝对具体问题发表评论。不过前面提到的一位知情人说,这些创业公司正在与Flipkart的高管进行谈判,包括负责Flipkart的金融科技和消费者信用产品的首席产品经理Monomita Roy Avasarala。

Avasarala的领英简介显示,她"在Flipkart上推出了'无成本EMI'产品(创造出一个由贷款人,品牌和消费者组成的交易场所),以提高产品性价比并增加高价值商品的销售量",并且她也致力于"通过'Flipkart Pay Later'等创新功能,将信用和便利功能扩展到更大的客户群,并通过机器学习算法构建下一代信用产品。

其实,Flipkart已经开始在其与银行和非银行金融公司(NBFCs)的合作的平台上向卖家提供贷款途径。 去年,它与安讯士银行一起推出了一款有折扣优惠的信用卡。Flipkart的一位高管表示,除信贷和贷款外,Flipkart也在考察共同基金和保险产品。 然而,一些专家表示,Flipkart从这种合作中获得的利润可能很低,但该公司可以通过大交易量来弥补。

网上投资平台FundsIndia联合创始人Srikanth Meenakshi表示:"Flipkart从合作共同基金等产品获得的利润可能低至1%。 但事实是Flipkart在这方面没有什么专业知识,这就是为什么他们需要与这些平台合作的原因。他们的优势在于,共同基金等产品是粘性产品,平台可以为客户提供一站式服务。" 据业内人士说,一些电子商务公司正在寻求进入贷款领域的方式。

贷款平台Rubique首席执行官Manavjeet Singh也指出:"我们在和多家正在开发金融产品的电子商务公司交谈。 由于金融产品不是其核心领域,他们正在寻求与像我们这样拥有多家银行和非银行机构合作伙伴并提供近200种产品的企业合作。"Singh并没有透露这些公司的名称。

提供个人贷款、信贷、EMI和共同基金产品的行业领先数字贷款创业公司包括BankBazaar,EarlySalary,ZestMoney,Finomena和Paisabazaar等。 一些高管表示,Flipkart最大的竞争对手亚马逊,因为后者也将开始提供金融产品,而且亚马逊已经投资过金融产品平台BankBazaar。

最近推出支付银行的Paytm将与各种贷方和保险公司合作,为客户提供金融服务,该公司首席执行官Vijay Shekhar Sharma上个月在接受采访时曾这么告诉ET。

Snapdeal在2015年与HDFC的教育贷款机构Credila合作,通过其平台为学生提供教育贷款,并投资了金融服务门户网站Rupeepower。

Online marketplace Flipkart is in talks with a clutch of digital lending startups to offer financial products, according to three people aware of the development.

The Bengaluru-headquartered company has created a focused team for financial services and products, they said. ET had reported in August last year that Flipkart was in talks with banks to offer loan products to customers, especially during its 'Big Billion Day' sale.

“While several e-commerce companies are looking at financial products, Flipkart is leading the pack and is keen to launch this as a revenue-generating business and also to help its customers," one of the persons cited earlier said.

Flipkart declined to comment on specific queries. One of the persons cited earlier said, these startups are in talks with Flipkart executives including Monomita Roy Avasarala, lead product manager for?fintech?and consumer credit products at Flipkart.

Avasarala's LinkedIn profile says she “launched the `No Cost EMI' product (creating a marketplace of lenders, brands, and consumers) on Flipkart to drive affordability and increase sales of high-ticket-size items“ and that she is also “working to extend credit and convenience features to a larger customer base with innovations such as 'Flipkart Pay Later', and is leveraging machine learning algorithms to build the next generation of credit products“.

Flipkart already offers access to loans to sellers on its platform in partnerships with banks and non-banking finance companies (NBFCs). Last year, it tied up with Axis Bank to launch a credit card with discount benefits. Apart from credit and loans, Flipkart is also looking at mutual funds and insurance products, one of the executives said. However, some experts said the margins through such tie-ups could be low for Flipkart, but the company can make up through large volumes.

“The margins for Flipkart on products like mutual funds through partnerships could be as low as 1%. But the fact is that Flipkart does not have the expertise in this area, which is why they will need to partner with these platforms. The advantage for them will be that products like mutual funds are sticky products, and the platform can become a one-stop place for its customers,“ said Srikanth Meenakshi, co-founder of online investment platform FundsIndia. Several e-commerce companies are looking to foray into the lending side, according to industry executives.

Manavjeet Singh, CEO of lending platform Rubique, said: “We are talking to multiple ecommerce players who are looking to launch financial products. Since financial products is not their core area, they are looking to integrate with players like us who have multiple banking and NBFC partners and offer nearly 200 products.“ Singh did not disclose the names of companies.

Some of the leading digital lending startups that offer personal loans, credit, EMI and mutual funds products include BankBazaar, EarlySalary , ZestMoney , Finomena and Paisabazaar, among others. Some executives said Flipkart's biggest rival Amazon could also start offering financial products, especially since it is already an investor in financial products platform BankBazaar.

Paytm, which recently launched its payments bank, is set to partner with various lenders and insurance companies to offer financial services to customers, CEO Vijay Shekhar Sharma had told ET in an interview last month.

Snapdeal had, in 2015, partnered with Credila, the education loan arm of HDFC, to provide education loans to students through its platform and had also invested in financial services portal Rupeepower.


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cynthia-lian | 未央团队未央编辑团队

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