最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化全新的互联网金融模式国际资讯基于互联网平台的金融业务

奥地利金融科技创业公司大盘点

由PitchBook提供的数据显示,2016年fintech产业累计吸引风险投资174亿美元,较2015年增长了11%。

毫无疑问,中国、美国和英国已经占据了fintech产业的前三名。不过,fintech产业在其他一些国家也开始逐步生根发芽、快速发展。

其中,奥地利已经逐渐成长为中东欧地区的一个新兴的fintech产业中心,该国的有些fintech企业已经成为了其所在领域的全球领导者,而另外一些企业也开始逐步向欧洲其他地区扩张。

在这篇文章中,就让我们简单为您介绍几家奥地利的热门金融科技创企。

相关阅读:一文读懂奥地利fintech生态系统

Wikifolio

Wikifolio是一家业内领先的社交交易平台,目前已经吸引了不少交易商和个人投资者,其目标是实现投资业务的“民主化”。

在Wikifolio,所有注册用户都可以将自身情况与他人进行比较,并可获取实时财务数据,最终识别和追踪最优秀的投资者。

交易商可以将其wikifolios转化为证券交易所上市的金融产品,不过目前该项服务仅面向DACH地区(奥地利,德国和瑞士)的几个国家。据统计,目前该平台上可供投资的wikifolios总数已经超过1万。

Baningo

Baningo成立于2015年,是一家位于维也纳的fintech创业公司。这家公司的提供的浏览器可以用来寻找在线银行咨询服务。

Baningo为银行的咨询顾问提供了一种全新的“自我销售”渠道。所有顾问都拥有一个简介,介绍他们的能力、专业知识、过往的职业经历和专业优势。客户可以通过地点、银行、专业知识领域和语言领域筛选数据。

Baningo的当前合作伙伴包括奥地利银行、Raiffeisen、WSK Bank和Oberbank。

PredictR

PredictR是一家消费者财务预测平台。该平台将个人交易列表转化为现金流量预测,并可以让用户在交互式图表中探索他们的“财务未来”。

用户可以在将来创建具体的事件来评估其对个人现金流的影响。

Mantigma GmbH是一家来自维也纳的预测分析工具和软件研发公司,而PredictR正是该公司旗下的一款最新产品。

Cashpresso

Cashpresso的工作原理和透支银行账户相似。用户一旦注册即可拥有高达1,500欧元的额度,并且没有固定的费用或费用。公司只对用户实际借款金额收取利率为9.99%的费用,用户可以选择各种还款模式。

Cashpresso是Credi2有限公司的子公司,而后者是一家于2015年成立的Fintech创始公司,主要目标客户群体集中在德国和奥地利。

Cashpresso是Deutsche Handelsbank的合伙机构,而Deutsche Handelsbank已经获得了德国银行的完全执照。

Coinfinity

Coinfinity是一家位于奥地利格拉茨的比特币和加密货币创业公司。Coinfinity提供创造Bitcoin的周边产品和服务,并运营奥地利第一个Bitcoin ATM。

凭借Bitcoinbon,Coinfinity提供了一种可以在奥地利全国600多家零售商快速安全购买比特币的方法。 此外,Coinfinity还提供咨询服务,并帮助商家接受比特币支付方式。

Conda

Conda是奥地利最大的众筹平台。迄今为止它已吸引了847万欧元的投资资本,并宣称已成功投资了42个项目。

在Conda,投资者最低投资金额为100欧元。

作为回报,投资者可以获得未来股利收入的权利,也可以从创业公司获得额外的奖金,如礼品、折扣和特别优惠。

NF Innova

NF Innova总部位于维也纳,是一家专门研究开发泛渠道客户互动产品的软件公司。

NF Innova的产品是一款名叫iBanking的互动银行在线门户。除了改进财务模块和异构系统的集成之外,iBanking还可以进行数据收集和分析,以便在营销活动中进行质量报告和使用。

信息显示方式可以根据客户偏好、细分领域和使用渠道进行调整,此外,app具体设计还可根据银行具体标准进行改变。

NF Innova的主要客户包括Raiffeisen Bank,Societe Generale和Banca Intesa Sanpaolo。

L’amie Direkt

L'amie Direkt成立于2015年,是奥地利第一家100%在线的直接保险供应商,提供Atomversicherung(针对核事故的保险)以及家庭保险等多种保险产品。

除了提供保险产品,这家创业公司还提供保费缴纳和收集相关的免费咨询服务。

此外,L'amie Direkt还专门建立了一个博客,提供紧急事态、自然灾害和其他保险范围内的相关情况的行动措施建议。

kWallet

kalallet将数字钱包与会员卡存储相结合。通过使用 Bluetooth Low Energy(BLE)进行移动支付。该应用程序提供奖金鼓励,例如可以收集kPoints来兑换礼品,还拥有在餐厅支付小费的特殊功能。

客户可以使用Touch ID(指纹识别)或五位数的kWallet密码来对kWallet进行保护。

kRegister是kWallet针对商家提供的应用程序,希望让商家在无需任何额外硬件的情况下接受移动支付,以此弥补Apple Pay、Google Wallet、SAMSUNG Pay和kWallet等支付体系空缺。

Smart Engine

Smart Engine成立于2011年,主要为银行和金融服务公司提供数字化忠诚营销解决方案。

Smart Engine忠诚度平台以移动策略为基础,旨在推动支付卡消费,提高支付卡使用量并增加支付卡收入。它可以安全地分析和匹配来自忠诚度计划所有者给出来源的数据,以创建相关产品服务。忠诚度计划的拥有者例如银行、金融服务公司或商家。

该平台允许老客户吸引新客户,建立长期的客户关系,并改善客户体验。

Blue Code

Blue Code(即Veropay)通过智能手机使用一个专门的app中的条形码促成移动支付。

无论其银行服务提供商如何,这种付款方式都适用于所有客户,Erste Bank及其Sparkassen最近已成为该解决方案的战略合作伙伴。

Blue Code正在不断扩大其接受网络,目前已有超过4,500家网点和合作伙伴,不同零售商的共18,000个收银机遍及奥地利,覆盖了奥地利全国约80%的食品零售商。

DaoPay

DaoPay成立于2012年,总部位于维也纳,是一家在线支付的付款解决方案提供商。

Daopay运营范围已经覆盖了70多个国家,其服务主要被网络游戏平台和社交媒体平台等所使用。

使用DaoPay,消费者可以使用各种付款方式在线支付货物和数字内容,包括移动支付,SEPA,SOFORT Banking,VISA,MasterCard,Paysafecard,iDEAL,Przelewy24和PayPal。

Kompany

Kompany成立于2012年,是一家领先的监管科技(regtech)公司,为用户提供官方和权威机构商业注册信息等多种信息的实时访问通道。据统计,目前该公司旗下信息库已经覆盖了150多个国家的1亿多家公司。

其专有的核心引擎ARTSS(自适应实时语义搜索)连接政府登记和其他KYC和AML来源。

Kompany目前为来自100多个国家的3.5万名商业客户提供服务,包括大型国际银行集团、欧元区中央银行以及“四大”咨询公司。

Fintech has become a true global phenomenon, attracting US$17.4 billion in venture capital in 2016, an 11% increase compared to 2015, according to data provided by PitchBook.

While China, the US and the UK remain the clear leaders in the field, other unexpected countries are seeing their domestic fintech sector rapidly grow.

In Central and Eastern Europe (CEE), Austria is home to very successful fintech ventures. Some are already global leaders in their field of expertise, while others have just begun expanding to other parts of Europe.

Today, we look at some of Austria’s hottest fintech startups.

Wikifolio

Wikifolio is a leading social trading platform with the goal of “democratizing” the investment business that brings together traders and individual investors.

All registered users can compare themselves with others and are provided with access to financial data in real-time. At the same time, they can identify and follow the best investors.

Traders can turn their wikifolios into financial products listed on the Stock Exchange. So far, the solution is only available in DACH-region (Austria, Germany and Switzerland) countries. Over 10,000 wikifolios are available to customers.

Baningo

Founded in 2015, Baningo is a Vienna-based fintech startup that offers a browser for finding online banking advisers.

For bank advisors, Baningo provides a completely new sales-pipeline. All advisers have a profile outlining their competencies, expertise, previous career and availability. Customers can filter the database by location, bank, area of expertise and language.

Current partners of Baningo include Bank Austria, Raiffeisen, WSK Bank and Oberbank.

PredictR

PredictR is a consumer financial forecasting platform. The solution turns personal transaction lists into cash flow forecasts and lets users explore their “financial future” in interactive graphs.

Users can create specific events in the future to investigate their implication on personal cash flow.

PredictR is a product of Mantigma GmbH, predictive analytics and software development company based in Vienna.

Cashpresso

Cashpresso works like the overdraft on a bank account. Once users register, they gain access to as much as €1,500 and there are no fixed costs or fees. The company only charges an interest rate of 9.99% on the amount users actually borrow, and users can choose among various repayment models.

Cashpresso is a brand of Credi2 GmbH, a fintech startup founded in 2015. It serves customers with German and Austrian nationalities.

Cashpresso is a partner of Deutsche Handelsbank, a fully licensed German bank.

Coinfinity

Coinfinity is a Bitcoin and cryptocurrency startup based in Graz, Austria. Coinfinity creates products and solutions around Bitcoin and operates Austria’s first Bitcoin ATM.

With Bitcoinbon, Coinfinity provides a way to quickly and securely purchase Bitcoin in more than 600 retail outlets throughout Austria. Coinfinity also offers consulting services and helps merchants accept Bitcoin payments.

Conda

Conda is Austria’s largest crowdinvesting platform. It has attracted EUR 8.47 million in invested capital to date and claims to have successfully funded 42 projects.

On Conda, investors can allocate amounts starting from EUR 100 to support businesses of their choice that are currently seeking funds.

In return, investors receive the right to future dividends and can also become entitled to additional bonuses from startups such as gifts, discounts and special offers.

NF Innova

Headquartered in Vienna, NF Innova is a software company specializing in omni-channel customer interactions products.

NF Innova provides banking clients with iBanking, an interactive banking online portal. In addition to improved financial modules and integration with heterogeneous systems, iBanking enables data collection and analysis for the purpose of quality reporting and use in marketing campaigns.

The information display is adaptable to customer preferences, segments and the channels used, and the app design can be adapted to the bank’s corporate standards.

Key clients of NF Innova include Raiffeisen Bank, Societe Generale and Banca Intesa Sanpaolo.

L’amie Direkt

Founded in 2015, L’amie Direkt is the first 100% online direct insurance provider in Austria, offering Atomversicherung (insurance against nuclear accidents) as well as home and household insurance products.

Besides offering insurance products, the startup also offers free consultation for those who are facing issues with their premium collection from other companies.

L’amie Direkt maintains a blog with tips on how to act in cases of emergency, natural catastrophes and other insurance-due situations.

kWallet

kWallet combines a digital wallet with loyalty card storage. Mobile payments are processed using Bluetooth Low Energy (BLE). The app offers bonus features, such as the collection of kPoints, which can be redeemed against gifts, and a special functionality for tipping at restaurants.

Customers can protect access to kWallet with Touch ID (fingerprint recognition) or with a five-digit kWallet code.

kRegister, the kWallet application for merchants, aims to complement Apple Pay, Google Wallet, SAMSUNG Pay and kWallet, by enabling businesses to accept payments from mobile wallets without the need of any additional hardware.

Smart Engine

Founded in 2011, Smart Engine provides digital loyalty marketing solutions for banks and financial services firms.

The Smart Engine loyalty platform is based on a mobile strategy that aims to drive card spend, boosts card usage and increases card income. It securely analyses and matches data from the sources given by the loyalty program owner such as a bank, financial services company or merchant, to create relevant offers

The platform allows clients to attract new customers, build up long-term customer relationships, and improve customer experience.

Blue Code

Blue Code, previously known as Veropay, facilitates mobile payments with a smartphone using a barcode that is accessed in a dedicated app.

The payment method is available to all customers, regardless of their banking services provider, but Erste Bank and its Sparkassen have recently become the solution’s strategic partners.

Blue Code is steadily expanding its acceptance network and is currently available at over 4,500 outlets and partnered businesses, 18,000 cash registers at various retailers spread across Austria, and covers approximately 80% of the country’s food retailers.

DaoPay

Founded in 2012 and based in Vienna, DaoPay is payment solution provider for online payments.

Daopay operates in more than 70 countries and its services are used by online games and social media platforms, amongst others.

With DaoPay consumers can pay for goods and digital content online using a variety of payments methods including mobile payments, SEPA, SOFORT Banking, VISA, MasterCard, Paysafecard, iDEAL, Przelewy24 and PayPal.

Kompany

Founded in 2012, Kompany is a leading regtech firm that provides real-time access to official and authoritative commercial register information, including company filings covering more than 100 million companies in 150+ jurisdictions.

Its proprietary core engine ARTSS (Adaptive Real-Time Semantic Search) connects government registers and other KYC & AML sources.

Kompany currently serves 35,000 business customers from over 100 countries, including large international banking groups, Eurozone central banks as well as the “Big 4” consulting firms.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

朱孔达 | 未央团队未央编辑团队

88
总文章数

TA还没写个人介绍。。。

金融科技是否会颠覆传统瑞士银行?

潘, 妍媛 23小时前

新加坡金管局推出七项措施促进Fintech产业发展

吕林倩 1天前

[未央翻译]Fintech国际资讯周报|2017年第46周

高旭 11-17

德、法、意、俄变身欧洲金融科技新兴目标市场

高旭 11-16

谁将成为风投大鳄Index Ventures的下一个目标?

吕林倩 11-14

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1