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国际资讯

[未央翻译]Fintech国际资讯周报|2017年第37周

伦敦交通局推出移动票务app,交通卡充值管理彻底实现数字化

本周,Cubic集团下属的交通系统部门与伦敦交通局联合宣布,将于本月在伦敦推出交通移动票务app。从9月7日起,Oyster一卡通用户就可以借助这个app管理自己的交通费用、充值交通卡或者浏览乘车历史。除一般充值外,用户还可通过这个app购买周票、月票和年票,充值后30分钟,用户只需将Oyster卡放在伦敦各地铁城轨黄色读卡器上即可完成上述特殊票种充值购买。目前,该服务只覆盖伦敦地铁、 码头区轻轨、伦敦有轨电车和伦敦交通局旗下火车站。未来,这项移动服务有望覆盖伦敦交通局旗下所有公共汽车线路。

日本拟对加密货币市场展开全面监管

据报道,日本政府将于下月正式对加密货币市场交易展开监管。目前摆在日本监管机构面前的挑战有很多。负责这一事宜的日本金融厅表示,希望在加强监管的同时为这一新兴市场保留应有的生长空间。根据相关部门规划,本次监管将针对加密货币制定针对性的监管条例,同时也将对炙手可热的ICO市场行为进行表态。

消费金融创企PayJoy获桑坦德600万美元注资

本周,消费金融创企PayJoy宣布获得桑坦德旗下InnoVentures的600万美元注资。PayJoy于2015年在斯坦福大学成立,主要为没有或信用记录有限的用户提供手机购买资金,因为该公司认为,手机已经成为当今移动普惠金融的一个重要渠道。区别于传统金融机构,PayJoy通过审核用户的工作电话号码、身份证件和脸书等社交媒体账号进行贷款发放资质的评估。本轮融资过后,PayJoy累计融资额已经达到3000万美元。未来,PayJoy将继续利用这些资金拓展拉美、亚洲和非洲等发展中国家地区市场。如果用户无法按期还款,其利用贷款购买的手机将被远程锁定。解锁的方式只有报警,或者致电PayJoy客服电话(然后按时还款)。目前,PayJoy服务仅限于安卓设备,未来该公司计划在美国的某些定点商店针对iPhone用户推出该项服务。

4家中国企业入选“2017全球金融科技百强企业”

9月12日,国际知名数据公司IDC(International Data Corporation)发布"2017 IDC Fintech全球百强榜单"。该榜单是根据Fintech公司的金融科技专注度、金融科技创新度、金融用户认可度以及财年总收入的标准进行评估的,具有极高的含金量。目前IDC在IT领域的市场跟踪数据已经成为行业标准,受到国内外企业的关注,是全球金融机构选择金融科技企业的重要依据。今年,共有4家中国企业入选,分别是平安科技(38)、恒生电子(54)文思海辉(55)和华讯网络(64)。其中,平安科技以其在人脸识别、声音识别、预测AI、决策AI和区块链技术在旗下陆金所、平安普惠等多个金融、医疗健康领域的成功应用,成为中国企业入选名单的第一名。

谷歌可能会在印度推出本土数字支付服务

据一家印度媒体报道,谷歌可能计划下周在印度推出一项本土化数字支付服务。这项新服务名为"Tez",在印度当地的意思为"快速"。除了现有的谷歌钱包和安卓支付外,Tez还将提供全系列的支付产品选项。比如,Tez将支持印度政府的联合支付界面(UPI)以及Paytm和MobiKwik的消费职务服务。此前谷歌公司并未在美国市场之外大力推广支付业务,所以这次在印度的本土化计划才会引发诸多关注。而印度市场本身也潜力巨大,比如谷歌在印度拥有大量的用户,但是来自印度市场的盈利并未太多地体现在谷歌的报告中。不过对于这一消息,谷歌方面拒绝发表评论。

澳大利亚政府宣布私有企业将同时适用股权众筹监管条例

本周澳大利亚政府宣布,未上市的私有企业也将同时适用即将出台的众筹条例监管。这项新条例名为《股权众筹修正法案》,将于今年9月29日正式生效。按照新规,未上市、资产规模与年营收少于2500万澳元的企业均可通过中介平台向散户投资者进行股权融资,信息披露要求也相对降低。而此前,澳大利亚股权众筹仅限批发与资深投资者(年收入25万澳元或资产总额250万澳元)开放。而新规生效后,散户投资者在完成相关风险内容学习后,每年可最多对单个公司投资1万澳元,并拥有5天的投资冷静期。而相关融资企业每年通过授权众筹平台进行股权融资的上限也将调整为500万澳元。

众筹平台Indiegogo计划使用人工智能打击创意抄袭和违法行为

截至目前,Indiegogo已累计协助完成创意项目融资十亿多美元,可以说整个众筹行业的翘楚。但是,大量欺诈与不良行为的监测与打击也是Indiegogo不得不面临的一项重任。目前,这个任务主要由Indiegogo信任与安全团队负责,他们根据平台指南甄别和剔除不符合规定的项目。不过近日Indiegogo方面表示,平台未来将在这一流程中引入人工智能技术,对项目的数据和语言进行分析。除了甄别抄袭或有极端政治倾向的项目外,人工智能还将协助提高平台其他方面的工作效率。未来,人工智能还有望帮助分析总结适用于不同项目的最佳模板和描述语言,提高筹款项目的成功率。

自建平台+投资创企,高盛集团看好英国金融科技未来

华尔街巨头高盛集团预计将于明年年中在英国推出在线存款业务,此举也是为了延续旗下在线借贷品牌Marcus在美国取得的成功。与美国分部相同,高盛此番在英国推出的新服务将保证其存款利率高于零售银行。本次推出的新服务不仅回报高,而且服务也更加高效便捷,而且高盛预计后期也会在英国新增在线借贷服务。此外,本周高盛通过旗下私人资本单元斥资1亿英镑(债务及股权形式)投资英国消费借贷平台Neyber。由此不难看出,高盛对英国金融科技市场的潜力应该是充满信心的。

智能投顾平台United Income推出老年顾客专项服务

United Income总部位于华盛顿,由Morningstar及eBay创始人Pierre Omidyar支持创立。据统计,目前有超过80%可投资资产都由50岁以上的人掌握,因此该公司专注为年龄在50到70岁之间、即将或已经退休的人服务。服务的目的主要是为了帮助退休者把资产转化为退休收入,比如何时申请社会保险、应该购买哪种医疗保险计划、如何对不同的账户取款进行税务管理。与大部分智能顾问服务类似,United Income让客户能够通过手机、邮件和视屏与人工客服沟通,但要额外收费。但是申领社会保险时,不想付费的投资者仍然能够得到免费的金融计划和建议。

Transport for London launches mobile ticketing app for Oyster card users

Cubic Transportation Systems (CTS), a business unit of Cubic Corporation (NYSE: CUB), and Transport for London (TfL) today announced the launch of the TfL Mobile Ticketing App for Oyster card users in London, England. From September 7th, the mobile app will allow Oyster card customers to manage their travel fares and payments, top up their cards and view their journey history on the go via Android or Apple iOS devices. A range of travel products, including pay-as-you-go, weekly, monthly or annual travel, can be bought using the app and then added to customers' Oyster cards after 30 minutes by simply touching the card on the yellow reader at London Underground, Docklands Light Railway, London Trams and TfL Rail stations as part of their journey. Future updates will allow products to be delivered and picked up on any of TfL's 9,000 buses. (Source: Finextra)

Japan to begin supervision of cryptocurrency exchanges

Japan is to introduce oversight on virtual currency exchanges next month, but authorities are still hashing out how to do so, mindful of the need to implement tighter regulation while leaving enough breathing room for continued growth of the rapidly evolving market.Challenges on the Financial Services Agency's plate include settling on accounting rules for cryptocurrencies as well as deciding how to handle initial coin offerings, or ICOs -- a fundraising method akin to an initial public offering, where bodies issue virtual currencies instead of shares.(Source: Nikkei)

Fintech Startup PayJoy Bags $6 Million Investment from Santander InnoVentures

This week fintech startup PayJoy, which today announced a $6 million investment from Santander InnoVentures. Established in 2015 at Stanford University, PayJoy provides payment plans to purchase smartphones for people with limited or no access to credit by analyzing an candidate’s profile through their working mobile number, valid photo ID, and Facebook account. The company was built on the axiom that smartphones are gaining popularity as financial tools in addition to their many other integral applications. Monday’s round of investment, which brings PayJoy’s total funding to $30 million since its founding in 2015, will allow PayJoy to do just that. The funds will be used to build PayJoy’s presence in markets of Latin America, Asia and Africa. In the event that a customer is not able to pay their monthly installment, the phone locks automatically. When this happens, the customer can only dial 9-11, and, of course, PayJoy’s customer service, which will ask for a payment. Last week, PayJoy, whose payment plans were only available on Android devices, became available for iPhone users in select stores throughout the US. (Source: Bank Innovation)

4 Chinese companies named to the 2017 IDC Fintech Rankings

This week, IDC Financial Insights announced the 2017 Fintech Rankings and Real Results at Finovate Fall New York 2017. The IDC FinTech Rankings categorize and evaluate technology providers based on calendar year revenues from financial institutions for hardware, software, and/or services. This year, 4 Chinese companies won the honor to be named in the 2017 IDC Fintech Rankings. They are Ping An Technology (38), Hundsun Technologies Inc. (54), Pactera Technology International, Ltd. (55) and ECCOM Network System, Ltd. (64). Ping An Technology caps the 4 companies for its advantages in facial recognition, voice recognition, AI Analysis & Prediction and blockchain technologies applied in its fintech and healthcare branches. (Source: IDC Insights)

Google is reportedly releasing a localized mobile payment service in India

Google is increasing its focus on India with plans to introduce a localized digital payment service as soon as next week. The publication claims Google ‘Tez’ — meaning fast in India — will offer a comprehensive set of payment options beyond existing products like Google Wallet or Android Pay. Tez, for one thing, will include support for Unified Payments Interface (UPI) — a payment system backed by the government — and other consumer payment services including Paytm and MobiKwik. This is a big deal because Google hasn’t made a big push into payments outside of the U.S. and, while it has a strong consumer presence in India, revenue from the country is nothing to write home about.Google declined to comment. (Source: TechCrunch)

Australian government extends crowdfunding regime to proprietary companies

The Australian federal government has announced that it will extend the crowd-sourced funding (CSF) regime to proprietary companies. Under the Corporations Amendment (Crowd-Sourced Funding) Act 2017 -- coming into effect on September 29, 2017 -- unlisted public and proprietary companies with less than AU$25 million in assets and annual revenue can make offers of ordinary shares to retail investors through an intermediary's platform using a CSF offer document containing a reduced level of disclosure compared to a prospectus. Where previous legislation limited the scope of equity crowdfunding to wholesale or sophisticated investors who earn at least AU$250,000 a year or have AU$2.5 million in assets, under the new CSF regime, retail investors will be able invest up to AU$10,000 per company per year once they have completed the prescribed risk acknowledgement, and will have a five-day cooling-off period. Eligible companies can raise up to AU$5 million in any 12-month period through licensed crowdfunding platforms under the new CSF regime. (Source: ZD Net)

Indiegogo AI to crack down on copycats & criminals

With over a billion dollars of funds invested through the platform to-date, Indiegogo’s certainly hit the mainstream. But this also means the company now has to crack down on more fraud and unfavourable behaviour than ever. Right now it’s the job of Indiegogo’s trust and safety team (made up of around eight or nine real-life humans) to review campaigns and remove those that fail to follow company guidelines.But today Indiegogo is already exploring AI techniques, where it would analyse language or data for clues that expose crooks. Beyond being able to spot copycat campaigns, or projects with extreme political leanings, AI will also help with streamlining the more mundane elements of the site.In the future, it could even impact fundraising success, by learning what templates and language work best for different kinds of projects. (Source: The Memo)

Goldman Sachs targets on UK market

Goldman Sachs is planning to launch an online deposit business in the UK by the middle of next year. It will aim to replicate the success of its online retail-lending brand Marcus in the US by bringing the service to the UK. Like the US bank, the new UK service will aim to offer higher returns on savings than other retail banks. The firm may also add a lending arm to the UK bank later on. Besides, Goldman Sachs has also invested in the UK consumer lender Neyber through its private capital unit by providing £100M of debt and equity financing this week. (Source: AltFi)

Morningstar-Backed Robo Aims at Older Clients

United Income, backed by Morningstar and eBay founder Pierre Omidyar, focuses on those ages 50 to 70 who are approaching retirement or retired, says CEO Matt Fellowes: "Eighty percent of investible assets are held by people 50 and over." The Washington, D.C. startup aims to help retirees turn their assets into retirement income. It offers advice on when to claim Social Security, which Medicare plans to buy, and how to tax-manage withdrawals from different accounts. Like most robo-advisory services, United Income lets clients work with a human advisor-via phone, email or videoconferencing-for an extra fee. Investors who don't want to pay can still get free financial plans and advice on when to claim Social Security.(Source: Barron's


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