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国际资讯

一文读懂奥地利fintech生态系统

国际资讯

一文读懂奥地利fintech生态系统

一直以来,奥地利都被认为是国际创企的热点地区之一。近几年来,奥地利的创企队伍尤其是fintech创企队伍日益壮大,构成了一套活跃的生态体系。

过去几个月间,奥地利涌现了数量可观的创企社区和孵化器。今天我们就借此向您简单介绍一下奥地利的金融科技生态系统:

奥地利联邦政府的创企项目

奥地利联邦政府在2016年推出了一个全面创企项目,持续三年总投资将达1.85亿欧元(2.04亿美元)。这个项目包含几个子项目,以下是最引人注目的子项目:

  • 创建新机构MiFiG,希望借此鼓励投资者为中小型企业提供风险投资。
  • 参与MiFiG项目的投资者最高15000欧元分红免税。

奥地利ABA-投资

ABA-投资项目集中体现了奥地利重要融资渠道的一些特点:

  • 奥地利研究促进局(FFG)是国家应用研究和发展融资机构。该机构提供各式服务,比如公共融资项目的管理和各阶段技术开发咨询。奥地利AWS负责政府补助、担保或补贴贷款。
  • 据ABA,维也纳的融资活动是由市政府维也纳商业局负责的,除去资金外还包括咨询、服务和办公场所价格优惠。

奥地利创企(AustrianStartups)

奥地利创企是一家非营利平台,由奥地利创企团体设立服务于当地创企,帮助增加其影响力并加强创业生态系统。该平台建立了一个活动日历,创企可以根据这个日历尽可能多地找到维也纳和奥地利即将举行的相关创企活动。这些活动是社交的最佳场所,有助于找到潜在合作伙伴、需要的人才并创造价值。

SpeedInvest

Startus杂志说,所有FinTech行业人士都应该关注SpeedInvest。它是奥地利最负胜名的风投基金,专注于欧洲中东部国家的Fintech、科技、媒体和电子商务领域。该基金于创始人和合伙人共同合作。产品和团队齐备的创企可以获得最高50万欧元的种子投资。

电梯实验室

电梯实验室是RBI银行建立的领衔fintech加速器,旨在共同开发可规模化的业务案例。它可以帮助创企进入14个欧洲中东部市场,并且提供遍布全球的客户、商业伙伴和投资者网络。

奥地利值得注意的Fintech创企

Kompany有一个国际公司正式登记信息平台,创企可在该平台上实时查看公司正式登记文件、商业信贷报告、年度报告和其他政府备案的文件。

Nexperts活跃于以下行业,包括移动支付、会员返利、票务和接入控制。

Cashpresso是一家提供机遇移动设备的个人贷款平台。用户在该平台上可以最高申请1500欧元贷款。用户可以直接从他们的Cashpresso账户转钱到商店用以支付账款。用户还可以向自己的银行账户转钱。

DaoPay GmbH提供小微支付解决方案。网上电子货品卖家通过该平台可以直接向消费者的移动账户收款。

Finnest是一家众投资平台。小微企业通过该平台可以获得无担保贷款,借贷利率由拍卖决定。

Mycelium是一家加密货币平台,提供比特币钱包、交易和支付服务。

Oratio GmbH是Oratio旗下的保险品牌。多个行业的公司可以利用这一平台与客户通过信息软件如脸书Messenger交流。他们还以简单直白的语言提供关于保险产品的建议。

Grid Singularity是一家去中心化能源数据交易平台。该公司由一系列应用可以帮助企业分析能源数据、创建标准、智能管理能源网、交易绿色执照、进行投资决策并批准能源交易。

Ubimet是一家私人天气服务提供商,拥有气象、物理、数学、地理科学和信息技术的国际专家团队。

Wikifolio是一家社会交易平台,投资者可以以“Wikifolios”的形式在该平台上发布股票投资策略。交易者可以将他们的交易策略转变为在主要股票交易所交易的金融产品。通过该平台,投资者通过他们自己选择的在线中介账户可以方便地投资最适合他们的交易策略。

mobile pocket是Bluesource-mobile解决方案的子公司。后者是一个移动平台,收集购物券、优惠券、积分卡、积分并把这些集中在一个地方。mobile pocket提供定制信息、新闻、折扣及其他信息。用户可以省钱,而公司可以培养客户忠诚度。

 

Austria has been recognized as one of the most interesting international startup hotspots. The startup community, and particularly FinTech startup community, is growing day by day, and finding a lively ecosystem.

One of the reasons for such development is that Austria’s environment perfectly fits startups’ needs. The past few months have seen the birth of many communities and incubators. New services are available online, providing any kind of information that could be useful for startups. Let’s take a closer look at some of the initiatives enabling entrepreneurs to launch and run a successful business in Austria:

The Startup Program by the Austrian Federal Government

The Austrian Federal Government has launched a comprehensive startup program in 2016, covering a period of three years and entailing a volume of about 185 million euros ($204 million). It consists of a number of initiatives; here are the most remarkable ones:

  • The creation of a new legal entity, the Mittelstandsfinanzierungsgesellschaft (MiFiG), aiming to stimulate investors into providing risk capital for small and medium-sized companies
  • Tax exemption for applying up to 15,000 euros in dividends for investors in a MiFiG

The ABA-Invest In Austria

The ABA-Invest In Austria, among all the other things, gives an insight about the most important funding sources in Austria:

  •  The Austrian Research Promotion Agency (FFG), a national funding institution for applied research and development in Austria. It offers various services such as the management of public funding programs to consulting services in all phases of technology development.
  • Austria Wirtschaftsservice GmbH (AWS) should be kept in consideration as well for what concerns non-repayable grants, guarantees or subsidized loans.

According to ABA, the funding activities of the City of Vienna are bundled under the auspices of the Vienna Business Agency, and encompass consulting, services and favorably priced office space in addition to monetary funding.

AustrianStartups

AustrianStartups is a non-profit platform of, by, and for the Austrian startup community to increase its visibility and strengthen the entrepreneurial ecosystem. It has created an event calendar for startups where it is possible to find most of the relevant upcoming startup events in Vienna and Austria. These events are the best places to implement networking strategies to find potential partners and talent for working with and creating value.

SpeedInvest

According to Startus Magazine, anyone involved in the FinTech business should keep his/her eye on SpeedInvest. The most recognized Venture Capital fund in Austria, it specializes in FinTech, technology, media-centric and e-commerce segments from CEE countries. It works hands-on with founders and partners. Startups which have their product and team ready can get up to 500.000€ in seed round funding.

Elevator Lab

Elevator Lab is a leading FinTech accelerator built by Raiffeisen Bank International AG (RBI) to jointly develop scalable business cases. It offers access to 14 CEE markets and a global network of clients, business partners, and investors.

Noteworthy FinTech Startups in Austria

Furthermore, we will review some of the most interesting Austrian FinTech ventures worth keeping an eye on:

Kompany provides an official international business register information platform which provides real-time access to official company register documents, business credit reports, annual reports and other documents filed with the government.

Nexperts is a company active in the following industries: mobile wallets for payment, loyalty, ticketing, and access control.

Cashpresso provides a mobile-based personal loan lending platform which helps users to apply for loans up to 1500 euros. It enables its users to pay bills online by directly transferring money from their Cashpresso account to shops. Users can also transfer money into their banking accounts.

DaoPay GmbH offers micropayment solutions, enabling online merchants of digital goods to bill charges directly to the consumer’s mobile account.

Finnest provides a crowd-based investing platform for SMEs to get access to unsecured loans using crowd investing based on a rate-auction process.

Mycelium is cryptocurrency platform that provides bitcoin wallets, trading, and payments solutions to customers.

Oratio GmbH is an insurance-focused brand being operated by Oratio. It allows businesses across several industries to connect with customers via messengers like Facebook Messenger. It offers advice about insurance products in layman’s terms.

Grid Singularity is a decentralized energy data exchange platform. It hosts a range of applications to facilitate energy data analysis and benchmarking, smart grid management, trade of green certificates, investment decisions, and energy trade validation.

Ubimet is a private weather service provider with an international team consisting of experts in the fields of meteorology, physics, mathematics, geoscience, and information technology.

Wikifolio is a social trading platform that enables investors to publish their stock investment strategies in forms called ‘Wikifolios.’ Wikifolio.com enables traders to turn their trading strategies into fully-fledged financial products listed on a leading stock exchange. With wikifolio.com, investors can easily invest in the most suitable trading strategies by ordering Wikifolio certificates via an online brokerage account of their choice.

mobile pocket is a subsidiary of Bluesource-mobile solutions, a mobile-based platform that collects shopping vouchers, coupons, loyalty cards & rewards points and stores it in a single location. It provides custom-made information, news, deals, discounts and more. It enables users to save money and helps companies with customer loyalty.


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