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普华永道发布《2017中国fintech调查报告》(附链接)

普华永道(PwC)最近发布了一份关于中国这个全球最大fintech市场的fintech环境报告。本周,普华永道大中华区CEO Raymund Chao在香港向朗迪中国峰会参与者呈现了这份研究。

针对这中国市场,普华永道认为有三个方面注定被颠覆,它们分别是消费者银行业务、投资&财富管理和转账/支付。这三个方面正朝着完全数字化和数据为王的方向发展,未来客户将获得更好更便宜的金融服务,同时物理渠道(即银行网点)将越来越不重要。

同时,PwC还关注监管方面和人才需求的流动市场。中国的金融机构愿意拓展版图,并且将年营业额的1/3投资于fintech领域。

以下是本次报告发布的关于中国fintech市场的一些重要事实:

  1. 68%的金融机构希望在未来三到五年增加fintech合作关系
  2. 85%认为移动应用是增长最快的客户渠道
  3. 71%认为fintech行业会面临的风险之一是价格战
  4. 个人贷款被认为是未来五年内首个被fintech颠覆的方面

虽然这份fintech研究主题是中国,但报告也同样体现了fintech的重要性和中国日益增长的影响力。全球fintech平均预期投资回报为20%。欧洲14%,低于平均值。北美23%稍高。中国拔得头筹,fintech相关预期回报38%。

有趣的是,中国的金融机构收购fintech公司脚步并不快,但获得服务和发展伙伴关系十分迅速。也许当赢家出现时,这点会改变。

人工智能(AI)、机器人处理(自动化)和大数据在将来的fintech创新中创新中扮演十分重要的角色。金融服务在未来五年内将会发生翻天覆地的变化。这场变革的车轮不会停止,动作迅速拥抱变革的公司将有机会生存。那些囿于过去的金融服务公司就不会那么幸运了。

PwC has recently published a report on the status of Fintech in China, which happens to be the largest Fintech market in the world. This week, PwC Chairman and CEO of Greater China Raymund Chao presented the research in Hong Kong to the LendIt China tour participants.

So what do we learn about China and Fintech?

There are three main areas of finance that are poised to be irreversibly changed, according to PwC. Consumer banking, investment & wealth management and transfers & payments are becoming pretty much all digital and data driven. Customers will receive better and cheaper financial services while physical channels (ie Bank branches) will diminish in importance. Mobile is King, or Emperor perhaps.

PwC points to the fluid marketplace regarding regulation and demand for talent. In China, financial institutions are willing to go big and dedicate a whopping 1/3 of their annual turnover to invest in Fintech. Think about that.

Some high level bullet points on China and Fintech include:

  1. 68% of financial institutions expect to increase Fintech partnerships in the next three to five years
  2. 85% believe mobile apps are the fastest growing customer channel
  3. 71% regard price wars as one of the challenges of Fintech
  4. Personal loans are at the top of the list for moving to Fintech over the next 5 years

While this Fintech report is China specific the research is indicative of the global importance of Fintech and China’s rising prominence. The global average of expected annual return on Fintech Investment stands at 20%. Europe is below average at 14%. North America slightly above at 23%. China leads the pack as it expects a 38% return on Fintech related investment.

Interestingly, Chinese financial institutions have been slow to acquire Fintech firms but quicker to purchase services or ink partnerships. Perhaps this will change as winners rise to the top.

Artificial Intelligence (AI), Robo-processes (automation), Big Data (of course) will all play a significant role in the future of Fintech Innovation. Financial services will change dramatically over the next five years. There is no stopping this shift and the companies that are agile and embrace change stand a chance to thrive. The financial services that are stuck in the past, well, not so much.


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