最有看点的互联网金融门户

最有看点的互联网金融门户
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关于伦敦的金融科技产业,你到底了解多少?

伦敦的金融服务业规模世界第一,其中科技产业的贡献功不可没。这个城市拥有资本、人才、监管和政府支持等金融科技成功所需的所有关键因素。

2016年,英国的金融行为管理局(Financial Conduct Authority,后文简称FCA)启动了金融科技监管沙箱(fintech regulatory sandbox),允许企业在实际运行环境中测试创新产品、服务、商业模式和交付机制。

去年11月,伦敦宣布了第一个由汇丰银行、劳埃德银行集团等大银行以及年轻的初创公司组成的群组。 这些初创公司包括:

  • 专门从事跨境资金转移的区块链公司BitX;
  • 提供电子货币平台,利用区块链来促进对慈善机构的捐赠的Tramonex;
  • 还有Oval,一个可以帮助用户通过积少成多进行储蓄的应用程序;
  • 以及基于互联网的物业公司Nextday Property有限公司。

此外,伦敦还拥有不少世界领先的金融科技公司。 英国第一家数字银行Atom银行于2016年成立。 这家基于应用程序的银行没有分支机构,专注于透明度、便利性和低成本的银行服务。 Atom 银行于2016年12月开始提供住宅抵押贷款。

另一家值得注意的金融科技公司是Funding Circle,这是一家专注于英国小型企业的世界领先专业交易平台。已有超过13亿英镑(20亿美元)通过该平台被借给了英国、美国、德国、西班牙和荷兰的2万家企业。 企业可以向包括四万多个人投资者、英国政府、地方议会、大学和一些金融机构在内的大范围的投资者直接借款,。

2015年,英国支付处理公司Worldpay Group PLC推出了全国最大的技术类IPO。 这一成功案例表明,英国是开展金融科技业务的绝佳场所,它拥有能够帮助企业实现从扩展规模、获得成功、到风光退场的一切资源。

伦敦最大的金融科技投资者

根据毕马威会计师事务所和CB Insights发布的 《2015年金融科技行业脉动》(The Pulse of Fintech, 2015 in Review),2015年,英国风投支持的金融科技投资活动达到了历史最高水平,总共实现了61笔交易,总交易额达9.62亿美元。

英国顶尖的金融科技投资方包括Accel,其投资对象有Circle,Card Spring和Lenddo等;以及投资于Betterment,Moven,Simple,Fidor Bank和Currency Cloud的Anthemis集团;支持Zopa,Nutmeg和Crowdcube等的巴尔德顿资本(Balderton Capital);其他这类投资方还包括Index Capital,Octopus,Aviva Ventures和Passion Capital。

顶级金融科技公司加速和孵化计划

伦敦还举办了世界领先的金融科技加速和孵化项目,其中包括由著名的Startupbootcamp 举办的金融科技加速项目、巴克莱银行的RISE项目、Techstars和埃森哲成立的金融科技创新实验室。

金丝雀码头(伦敦金融区)的Level39是欧洲最大的金融、零售、网络安全和智能城市的技术加速器。 它拥有几家著名的金融科技公司,包括区块链公司Coinfirm、Ripple和BABB,专注于技术加速和创业催化的Silk Ventures,以及数字金融服务领先的技术和应用平台Yodlee等。

伦敦金融科技周

将于2017年7月7日至14日在伦敦举办的第四届伦敦金融科技周将包括一系列会议、展览、研讨会工作坊、聚会和派对。

本次伦敦金融时报周参会人数将达到3000名,与会者将就加密货币、支付、资本市场和保险行业未来发展等一系列问题展开讨论。

据悉,今年的大会将迎来多位重量级发言人,其中不乏来自Techstars,苏格兰皇家银行,Passion Capital,Starling Bank,BBVA等公司和机构的代表。

London has the world’s largest financial services sector, supported by a booming tech sector. The city has all the key ingredients for fintech success: capital, talent, regulatory and government support.

In 2016, the UK’s Financial Conduct Authority launched its?fintech regulatory sandbox, which allows businesses to test innovative products, services, business models and delivery mechanisms in a live environment.

In November last year, it announced its first cohort, which comprised big banks like HSBC and Lloyds Banking Group, but also young startups. These included blockchain companies BitX, which specializes in cross-border money transfers, and Tramonex, which provides an e-money platform that leverages blockchain to facilitate donations to charities, as well as Oval, an app that helps users build up savings by putting aside small amounts of money, and Nextday Property Ltd., an Internet-based property company.

Some of the world’s leading fintech companies are based in London.?Atom Bank?launched in 2016 and is known for being the UK’s first digital-only bank. The app-based bank doesn’t have any branches and focuses on transparency, convenience, and low cost banking services. In December 2016, Atom Bank began offering residential mortgages.

Another notable fintech company is Funding Circle, one of the world’s leading marketplaces exclusively focused on small businesses based in the UK. More than £1.3 billion (US$2 billion) has been lent to 20,000 businesses in the UK, USA, Germany, Spain and the Netherlands through the platform. Businesses can borrow directly from a wide range of investors, including more than 40,000 individuals, the UK government, local councils, a university and a number of financial organizations.

In 2015, UK payment processing company Worldpay Group PLC launched the country’s largest tech IPO of the year. The success story demonstrated that the UK is a great place to start a fintech business and that has all the resources to help companies scale, be successful and achieve a world-class exit.

London’s biggest fintech investors

In 2015, the UK VC-backed fintech investment activity reached an all-time-high with US$962 million through 61 deals, according to KPMG and CB Insights’ The Pulse of Fintech 2015 in Review report.

Top fintech investors in the UK?include Accel, which has invested in the likes of Circle, Card Spring and Lenddo, as well as Anthemis Group, which has invested in Betterment, Moven, Simple, Fidor Bank and Currency Cloud, Balderton Capital, which has backed Zopa, Nutmeg and Crowdcube, among others, as well as Index Capital, Octopus, Aviva Ventures and Passion Capital.

Top fintech acceleration and incubation programs

London also hosts the some of the world’s leading acceleration and incubation programs, among which the notorious Startupbootcamp Fintech accelerator program, Barclays RISE, Techstars and Accenture’s Fintech Innovation Lab.

Canary Wharf’s Level39 is Europe’s largest technology accelerator for finance, retail, cybersecurity and smart cities. It hosts several notable fintech companies including blockchain companies Coinfirm, Ripple and BABB, as well as Silk Ventures, a tech accelerator and venture catalyst, and Yodlee, a leading tech and applications platform for digital financial services, among many others.

Fintech Week London

The fourth annual?London Fintech Week, which will take place from July 07th to 14th, 2017 in London, will comprise a series of conferences, exhibitions, workshops hackathons, meetups and parties, dedicated to financial innovation.

The London Fintech Week 2017 is expected to bring over 3,000 participants throughout the week to discuss the future of money and payments, capital markets and insurance, among other topics.

Speakers will include representatives from Techstars, the Royal Bank of Scotland, Passion Capital, Starling Bank, BBVA, and many others.


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cynthia-lian | 未央团队未央编辑团队

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