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

[未央翻译]Fintech国际资讯周报|2017年第32周

阿里携手东南亚O2O平台 在新加坡推跨境支付宝业务

东南亚O2O移动平台Fave近日宣布,将与阿里巴巴旗下金融机构蚂蚁金服合作,通过支付宝为东南亚顾客提供无缝跨境支付体验,新加坡市场将率先推出体验。通过与Fave的合作,支付宝用户能在光顾Fave生态系统部分餐馆和线下零售商时直接通过支付宝应用程式付款,并享用Fave的特别优惠和奖赏。

新闻稿援引Fave创办人Joel Neoh的话表示,“餐馆和线下零售商是新加坡经济的支柱,我们的目标是协助他们更成功。尽管超过90%的零售消费在线下完成,零售商总是在寻找不同方法来接触喜爱移动、电子商务的顾客。” Fave集团是在东南亚地区增长最快的O2O公司,自2016年7月成立以来,Fave提供包括餐饮、美容及健康和休闲活动等各种其他垂直行业。支付宝成立于2004年,目前在中国内地及全球拥有超过4.5亿活跃用户。支付宝是当下炙手可热的移动支付行业的先驱,以及中国最流行的在线和移动支付工具之一。

摩根大通计划用AI机器人执行金融交易

据了解,摩根大通将在全球的股票算法业务部门采用ai机器人LOXM执行交易,该机器人的效率比传统买卖方法高得多,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。人工智能(ai)快速发展给各行业带来巨大变革,人工智能在金融服务业的应用,将以智能投顾发展最为快速,预估至2020年全球智能投顾的资产管理规模将达5.9万亿美元,年均复合增长率为75%。

LOXM的职责是以最佳价格和最高速度执行客户交易指令:运用它从数十亿笔过往交易(既有真实交易,也有模拟交易)中汲取的经验教训来解决各种问题,比如怎样抛出大笔股份而不影响市场价格。但是,LOXM并没有买卖决策能力,其作用仅限于决定买卖方式。

摩根大通全球股票电子交易业务负责人Daniel Ciment表示,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。

印度版支付宝Paytm计划推出即时通信功能 挑战WhatsApp

8月2日,印度版支付宝、印度最大的移动支付公司Paytm正计划推出即时通信功能。知情人士称,Paytm准备在其应用中添加即时通信功能,以挑战Facebook旗下的WhatsApp。聊天功能可以给印度企业提供一个与客户进行互动的正式渠道。

Paytm的即时通信功能可以让用户免费共享消息、视频和图片。据上述知情人士称,该功能最快将在两周内推出。外媒称,此举或许能够使Paytm吸引一些WhatsApp的用户,推动该公司平台快速增长。WhatsApp的12亿用户中有2亿人在印度。WhatsApp目前正在研究向印度市场添加支付功能的可能性。Paytm目前拥有2.25亿移动钱包客户,是本地移动支付竞争对手MobiKwik和FreeCharge用户数量的四倍。MobiKwik和FreeCharge目前分别拥有5500万用户。

在线借贷公司Kabbage获2.5亿美元F轮融资,软银领投

近日,软银集团对在线借贷公司Kabbage投资2.5亿美元,这也是这家日本科技巨头近期“买买买”热潮中最新的一笔投资。加上这笔F轮融资,Kabbage的股权融资总额已经达到5亿美元。

Kabbage将用这一轮资金给小企业提供更多借贷产品,如果市场需要的话,该公司或将推出保险和工资管理服务。与此同时,Kabbage首席执行官Ron Frohwein透露,公司也计划进军亚洲市场,目前正在和印度、中国和日本多家银行进行沟通。Kabbage拥有380名员工,此前共获得2.5亿美元融资,2015年时估值10亿美元。对于此次交易后的估值,Frohwein表示不方便透露,但肯定已经超过10亿美元。Kabbage致力于帮助小企业快速获得在线贷款,同时,银行也可以通过使用他们的技术,加快贷款发放流程。

点融网D轮被曝融资2.2亿美元

2017年8月2日,点融在上海召开主题为“新的金融,世界的点融”的新闻发布会,正式宣布获得2.2亿美元D轮融资。

点融此次的投资方包括:全球知名主权基金新加坡政府投资公司(GIC)、中民投租赁集团旗下中民国际融资租赁股份有限公司,以及韩国Simone集团旗下Simone投资管理公司等。

点融创始人、CEO苏海德,点融创始人、联合CEO郭宇航等公司高管,以及新加坡政府投资公司股权投资部门高级副总裁Roger Lum、中民国际融资租赁股份有限公司总裁汤敏、Simone投资管理公司副总裁Jungmin Lee等投资方代表悉数出席了当天的新闻发布会。苏海德表示,这些投资将加强点融对“新的金融”战略的承诺,点融要用金融科技帮助中国家庭和小微企业获得更大的金融自由度。未来,D轮融资资金将主要用于增加技术投入、增加市场扩张投入,以及全球化布局投入,从而帮助点融取得更快的业务增长。

英国外汇P2P交易平台Kantox获460万英镑C轮融资

近日,总部位于英国伦敦的外汇P2P交易平台Kantox宣布获得460万英镑(约合 601 万美元)的C轮融资,投资方包括Idinvest Partners、Mundi Ventures和Partech Ventures。截至目前,该公司的融资总金额已经超过了2700万美元。

2015年5月,Kantox获得1000万欧元B轮融资;2014年2月,Kantox获得640万欧元A轮融资;2012年9月,Kantox 获得100万欧元种子轮融资;2011年7月,公司获得15万欧元种子轮融资。

公开资料显示,Kantox公司成立于 2011 年,旨在帮助有外汇交易需求的用户绕过银行和交易中介,直接进行P2P兑换交易。Kantox公司的服务对象主要是跨境外贸进出口企业,其平台上会分析各家企业不同的外汇需求,然后匹配到最合适的货币兑换汇率,减少企业繁琐的兑换成本,而且还能让企业更好地管理自己的外汇敞口。

Lendingclub发布Q2报告 预计全年营收最高达6亿美元

据美联社消息,Lendingclub在上周公布了其二季度报告,数据显示,Lendingclub在二季度营收1.396亿美元,亏损达到2550万美元。公司预计,第四季度营收将在1.54亿美元到1.59亿美元之间,全年营收将在5.85亿美元到6亿美元之间。

数据显示,LendingClub第二季度每股亏损为6美分,相比之下去年同期的总净亏损和每股亏损分别为8100万美元和21美分。不计入某些一次性项目,该季度的调整后每股亏损为1美分,相比之下去年同期的调整后每股亏损为9美分。财经信息供应商FactSet调查显示,分析师此前平均预期该公司第二季度调整后每股亏损为12美分,营收为1.35亿美元。

软银将对体育电商Fanatics投资10亿美元

软银集团将对体育电商公司Fanatics投资10亿美元。这一投资属于Fanatics新一轮融资的一部分,对该公司的估值为45亿美元。知情人士称,Fanatics的新一轮融资预计将于本月晚些时候结束。Fanatics不予置评。软银尚未置评。

Fanatics总部位于佛罗里达州杰克逊维尔市,是一家领先的体育用品授权经销商,负责为全球各地球队和体育联盟处理电商销售。Fanatics的投资者包括美国国家橄榄球联盟(NFL)、美国职业棒球大联盟以及几家风投公司和科技公司。知情人士称,软银10亿美元投资的大部分将来自全球最大私募股权基金——愿景基金,该基金的规模达到930亿美元。愿景基金的投资者包括沙特主权财富基金、阿布扎比的穆巴达拉发展公司以及苹果公司。

美金融技术解决方案提供商Fiserv拟9800万美元收购移动支付公司Monitise

最近消息,美国金融技术解决方案提供商Fiserv决定提价至7500万英镑(约9800万美元)收购移动支付公司Monitise,希望得到这家英国金融服务技术公司投资人的支持。之前,Fiserv提出7000万美元收购Monitise,引起了以Cavendish Asset Management为首的Monitise投资人的不满,认为这一出价过低。三年前,Monitise的估值曾超过10亿美元。

Monitise方面透露,公司主管一致认为应当要求加价,最后的收购价比原来多了每股2.9便士。Fiserv敦促股东接受这一收购方案,Monitise的董事会已经声明,如果交易落空,他们会考虑进行新一轮融资,转让部分资产。Monitise是英国另类投资市场上市公司,他们通过在银行和移动运营商之间建立桥梁,能够处理数十亿美元的移动支付、购买和转账业务。

英国数字银行Tandem收购对手Harrods Bank

近日,英国数字银行Tandem宣布已经和Harrods Bank签订收购协议,后者是英国著名奢侈品商店旗下的银行部门。关于这笔交易的绝体细节并未获透露,而相关手续也在等待监管部门批准。

据悉,Tandem将收购Harrods Bank 100%的股份。这笔收购将加快公司推出储蓄账户的速度,预计在今年年底之前上线。Tandem的应用虽然现在还不提供银行账户服务,但可以看作一款私人理财(PFM)产品,已经上架iOS应用商定和谷歌Play商店。"在接下来的几个月里",Tandem将上线信用卡功能。去年12月,该公司宣布完成3500万英镑融资,投资人为中国三胞集团所有的百货商店HouseofFraser。但是,对中国资本的限制导致这笔投资的一部分被撤回。

Yande宣布与俄联邦储蓄银行合资10亿美元打造“领先全俄的电商生态系统”

俄罗斯搜索巨头Yandex日前和该国联邦储蓄银行宣布,将联手创建一个以Yandex.Market平台为基础的“领先的电商生态系统”,这将是俄罗斯历史上最大的一笔电商投资。从投资协议中我们看到,联邦储蓄银行计划对合资公司出资约5亿美元,这使得Yandex.Market的估值达到10亿美元。双方将持有同等的股份,另有最多10%的股份留给Yandex.Market的管理层和员工。

目前,Yandex.Market平台入驻了2万多家国内国外商家,每个月能够吸引超过1900万用户,所售商品超过1.5亿种。Yandex.Market曾统治俄罗斯电商领域,但在两家强劲对手的压迫下,已大不如从前风光。现在,稳坐俄罗斯跨境电商头把交椅的是阿里巴巴的B2C子公司全球速卖通,每月能够吸引2300多万次访问,这一流量足以和Yandex.Market匹敌。

澳洲移动支付平台MiMOBI URON与微信支付达成合作

澳洲Priority One Network集团旗下的全球移动支付平台MiMOBI URON已与中国公众平台微信及其授权的澳洲本地服务商Paylinx,达成了一项具有里程碑意义的合作协议。微信支付将为该平台在澳洲及全球的使用者提供创新的付款方式。

Greatreporter网7日报道,MiMOBI URON平台将成为微信支付在澳洲的首个合作非金融机构。该平台将引进微信支付系统,并向全澳的商家推广。这次支付方式的合作还将扩展至Priority One在全球的其他合作伙伴与附属公司。

据了解,MiMOBI URON将联手微信支付为澳洲与全球的商户提供更简便、会计与安全支付方式。根据合作协议,在Paylinx Financial的帮助下,两家公司还将共同努力,帮助澳人与来澳旅客在微信支付电子商务网站上支付购买。

沃尔玛这次走在亚马逊前面 推出一项“扫描即走”技术

据国外媒体报道,沃尔玛正在部署一项技术,让购物者无需排队或在收银台付款,就可以在店内购买商品。这提醒亚马逊,在实体店与大型零售商竞争并非易事。

这是一款叫做“扫描即走”的应用程序允许购物者扫描他们想购买的商品条形码,然后用智能机点击一个按钮来完成付款。付款完成后,他们只需向沃尔玛的工作人员出示数字收据就可以了。如果没有智能手机的购物者可以使用店内提供的手持扫描仪。不愿意将信用卡和应用程序绑定的购物者仍然可以使用它来扫描商品。

其实,这就像一个手动版的Amazon Go,去年在亚马逊的家乡西雅图推出的一款免费杂货店,但仍在私人测试中,仅限于该公司的员工。今年早些时候,亚马逊公司本应向公众开放,但该公司仍在研究一些技术问题。

美国信用卡处理公司Vantiv 104亿美元收购Worldpay

美国信用卡处理公司Vantiv已在周三达成一项并购协议,将以80亿英镑(约合104亿美元)的价格收购英国竞争对手Worldpay,这项交易将可创造出一家市值高达290亿美元的全球性支付服务公司。

这是自去年英国脱欧全民公投以来以一家英国公司为目标的规模最大的并购交易之一。在迅速发展演变的支付行业中,像Vantiv这样在美国市场上拥有强大地位的支付公司正努力试图建立起全球“足迹”。Worldpay是英国市场上规模最大的支付服务提供商,该公司股价在上述交易于周三宣布以后收盘上涨1.28%,报388.5便士(约合5.05美元)。这是今年以来针对一家英国公司发起的规模第二大的并购交易,仅次于中投在6月份以138亿美元的价格收购伦敦仓储公司Logicor的交易。

Alipay teams up with Fave for O2O expansion in SEA

Ant Financial, the financial affiliate of Alibaba group, has announced a partnership with Fave, Groupon’s successor in Southeast Asia, to provide cross-border payment. The tie-up will first bring this service to Singapore.

Through this deal, Alipay users will be able to make payments via the Alipay app at restaurants and offline retailers that are part of the Fave ecosystem and gain special access to offers and rewards, much similar to its partnership with local O2O service providers in Chinese market.

Unsurprisingly, the service will first target Chinese outbound tourists to SEA, which is becoming an increasingly popular destination for Chinese travelers. (Source: Alibaba)

JPMorgan takes AI use to the next level

Major financial services (FS) players have long been applying algorithms to make equity trading more efficient. Now, however, JPMorgan says it has developed an artificial intelligence (AI) system to take such automation to new heights.

The bank has been testing its AI program, LOXM, since Q1 2017 in Europe, and plans to roll it out across its Asian and US operations in Q4 after trials proved successful. LOXM was trained on billions of historic transactions to enable it to execute equities trades at maximum speed and at optimal prices, and to offload large equity stakes without causing market swings. LOXM delivered significant savings and far outperformed both manual and automated existing trading methods in trials, according to JPMorgan. (Source: Business insider)

Paytm to launch in-app chat messenger, take on WhatsApp

Paytm is expected to launch a chat messenger in its app to allow its user base of over 230 million to communicate more seamlessly within its network, according to sources familiar with the development. The company will convert its payment users to messaging and help businesses connect with consumers. The feature is expected to be launched later this month, said one of the sources briefed on the matter. A Paytm spokesperson declined to comment when contacted ET.

Paytm’s move seems to be in the reverse direction compared to others such as Hike Messenger, which recently launched payments through wallet and unified payment interface (UPI), and WhatsApp, which is also expected to embed payments in the country. Interestingly, WhatsApp's business head Neeraj Arora also sits on the board of Paytm. (Source: economictimes)

Kabbage Raises $250 Million From SoftBank

August 3, 2017, Kabbage Inc., a pioneering financial services, technology and data platform serving small businesses globally, announced today the agreement on a $250 million equity investment from a subsidiary of SoftBank Group Corp. (“SoftBank”) in Kabbage. This investment represents the largest equity raise in the online small business lending segment to date. The funding brings Kabbage’s total equity raised to nearly $500 million.

With this investment, Kabbage will expand its lending products for small businesses and will explore non-lending products and services for these customers. The company will also use the funds to accelerate its SaaS platform business that powers online SMB lending for global banks. The closing of the investment is subject to regulatory and other customary closing conditions and is expected to be completed in third quarter 2017. (Source: Kabbage)

Singapore's GIC leads $220 million funding round for Chinese P2P firm Dianrong

Chinese peer-to-peer lending platform Dianrong said on Wednesday it raised $220 million from a group of investors led by Singapore sovereign wealth fund GIC Pte Ltd, looking to step up research of new technology as it expands across China and explores ventures in other countries in the region.

Other investors in the funding round included CMIG Leasing, a unit of China's biggest private investment conglomerate China Minsheng Investment Group (CMIG), and South Korean fund manager Simone Investment Managers, Dianrong said.

The Shanghai-based firm planned to use the funds to automate some of its new branches across China, for research and development and potential acquisitions, Soul Htite, co-founder and co-chief executive of Dianrong, told Reuters. (Source: CNBC)

Fintech Kantox raises £4.6 million from investors as it targets profitability

Foreign exchange fintech company Kantox has raised £4.6 million from its existing investors as it aims for profitability.

Filings with Companies House show Kantox raised the sum at the end of July. CEO and founder Philippe Gelis confirmed the fundraise with Business Insider over email, saying the company raised the money from existing investors Partech Ventures, IDinvest Partners, and Mundi Ventures. Kantox provides a software platform to help businesses manage their foreign exchange exposure. It offers specialised products for tailored to industries like fashion and travel, and also has a trading platform that lets companies trade currencies directly with each other rather than through banks. The company has offices in London and Barcelona. (Source: CNBC)

Lending Club Q2 2017 Earnings

Lending Club’s second quarter earnings marked an important milestone for the company – a return to growth. Originations have been hovering around $1.9 billion since Q2 of last year. This quarter Lending Club announced originations of $2.15 billion for the quarter, up 10% from the prior quarter of $1.96 billion. While this is still down from their previous highs, it shows that the company is back on a growth trajectory.

The second quarter marked the second highest revenue generating quarter for the company. Lending Club anticipates that the third quarter will be their best quarter yet from a revenue perspective. Below are the other financial highlights for the company. (Source: lendacademy)

SoftBank to invest $1 billion in sports retailer Fanatics amid aggressive spending spree

Online sports merchandise retailer Fanatics is the latest company to get a cash infusion from SoftBank, a source close to the matter told CNBC.

The NFL also invested about $95 million and Major League Baseball added $50 million earlier this year, according to the Journal. Fanatics sells licensed sports apparel on its website, and also operates the web sales for many big sports leagues. Doug Mack, who became CEO in 2014, has emphasized data as the "heartbeat" of the company. (Source: CNBC)

Fiserv to acquire Monitise for $89 million

The companies have reached an agreement on the terms of the cash offer, in which Fiserv would offer 2.90 pence per share. The transaction is still subject to Monitise shareholder approval, but is expected to close in the third quarter.

Like Fiserv, Monitise develops technology for the financial services industry. Monitise concentrates on accelerating the digital transformation of banks and credit unions through adaptation of legacy systems, greenfield projects and strategic digital projects. Fiserv develops payment, processing, risk and compliance, customer and channel management and insights and optimization products for banks and credit unions. (Source: biztimes)

Digital bank Tandem to acquire banking arm of UK’s famous luxury department store Harrods

Following rumours that began circulating within London’s fintech community as far back as June, digital-only or so-called “challenger” bank Tandem has announced that it has signed an agreement to acquire Harrods Bank, the banking arm of the U.K.’s most famous luxury department store. Terms of the deal aren’t being disclosed, and the transaction remains subject to regulatory approval.

Under the agreement, Tandem says it will acquire 100 per cent of Harrods Bank and benefit from around £80 million of capital coming into the business. On completion — and presuming U.K. regulators don’t wave a red flag — Harrods bank will operate under the Tandem brand. (Source: techcrunch)

Yandex and Sberbank announce $500 million joint venture to create ‘leading ecommerce ecosystem’ in Russia

Yandex, the NASDAQ-listed Russian search giant, and Sberbank, Russia’s state-owned national savings bank, announced today their plans to join forces and create “a leading e-commerce ecosystem” based on the Yandex.Market ecommerce marketplace. The move, if rubberstamped, would mark the biggest ecommerce investment in Russia’s history.

Sberbank would invest 30 billion rubles (approximately $500 million at the current exchange rate) in the joint venture. The investment would value Yandex.Market at 60 billion rubles ($1 billion) post money. The two partners would own equal stakes in the joint venture (JV), with up to 10% of the shares allocated to a stock option plan for Yandex.Market’s management and employees. (Source: venturebeat)

MIMOBI "URON" And WECHAT Achieved Landmark Partnership

MiMOBI URON Platform becomes the first non-financial institution in Australia to be able to integrate WeChat Pay into its payment platform, which will be rolled out to merchants across Australia. The partnership payment solution will be extended to other parts of the world through Priority One associated partners and affiliates.

The company is excited about the commercial partnership agreement with WeChat given it is China’s number one social media app and one of the world’s fastest growing companies with more than 800 million monthly active users. (Source: wdrb)

Walmart is taking a direct shot at Amazon and making checkout lanes obsolete

Walmart is rolling out a new technology in its stores that enables shoppers to scan and pay for their items without checkout lanes, registers, or cashiers.

Here's how it works: shoppers download Walmart's "Scan & Go" app, then scan the barcodes of the items they wish to purchase. Once they are finished shopping, they click a button to pay for their goods and show their digital receipt to a store greeter on their way out the door. But Walmart is leaping ahead of Amazon and already rolling it out to more than a dozen stores in Texas, Florida, South Dakota, Arkansas, Georgia, and Kentucky. (Source: CNBC)

Credit tech firm Vantiv to merge with Worldpay in $9.94 billion deal, JPMorgan will not make an offer

U.S. credit card processing company Vantiv announced plans Wednesday to take over Worldpay, the U.K.'s largest payment processing company, in a deal worth £7.7 billion ($9.94 billion).

Worldpay shareholders are entitled to 55 pence in cash for each Worldpay share and 0.0672 new Vantiv shares. This would mean ultimately shareholders of Worldpay would get £3.85 per share. That is made up of a 5 pence dividend, plus the Vantiv shares based on a closing price of $62.51 on July 3.

The merger terms represent around an 18.9 percent premium to Worldpay's closing share price in London on July 3, a day before the payments firm announced that it had been approached for an acquisition separately by both Vantiv and JPMorgan Chase. (Source: CNBC)


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