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[未央翻译]Fintech国际资讯周报|2017年第39周

伦敦AI与身份认证创企Onfido获微软等机构3000万美元注资

本周,英国身份与文件认证创企Onfido宣布获得3000万美元C轮融资。本次融资由Crane Ventures Partners领投,现有投资者Salesforce Ventures、微软资本跟投。2012年,三名牛津大学毕业生在伦敦创建了Onfido,主攻商业背景调查。包括雇员调查、移动银行远程开户、共享经济平台(如Uber)等均是Onfido的潜在目标市场。如今,大家几乎人手一部智能手机。用户只需通过手机自带摄像头进行拍摄,Onfido就可以利用其面部生物识别技术,根据已有身份文件对申请人信息进行核对。此外,Onfido的数据库已经联通全球,可以针对192个国家的数据库进行自动比对。

如今,身份识别行业竞争也日趋激烈。成立于2014的Checkr总部位于美国旧金山,此前刚刚完成了5000万美元融资。而微软除了投资Onfido外,还在此前向一家名为Trusona的在线身份验证平台投资了1000万美元。

著名咨询公司德勤遭受网络袭击,所幸客户信息没有外露

本周,著名咨询公司德勤对外宣布,一名黑客通过电子邮件平台入侵了德勤的数据库。 目前,德勤已经就此事知会相关监管机构。报道显示,本次网络袭击发生在今年早些时候。德勤内部与外包网络安全专家经排查后认为,并未有太多客户的信息安全因此受到影响。此外,德勤也已经就此事联系了相关各方,目前还未有任何一方(包括德勤)的业务因为本次黑客事件受到影响。

韩国电脑游戏巨头Nexon斥资8000万美元收购加密货币交易平台Korbit

近日,韩国电脑游戏巨头Nexon母公司证实,将斥资8000万美元收购韩国第二大加密货币交易平台Korbit。据悉,本次Korbit收购案总额高达1.2亿美元。此前,韩国金融网站Hankyung也曾就此交易进行过报道,但是当时的预估交易总额为1.5亿多美元。无论是在韩国还是在全球范围内来看,这次收购都具是一次具有里程碑意义的交易。因为,这代表着传统大型企业也开始涉足加密货币市场了。

2014年,Korbit成功完成300万美元A轮融资,投资方包括软银资本(韩国)、Pantera Capital和著名投资人Tim Draper。此后,Korbit业务范围逐渐由单独的比特币交易,延伸至以太坊和其他加密货币产品。

瑞典央行完成"数字货币"首次提案

有消息指出,瑞典央行Riksbank目前正就发行本国电子货币("电子克朗")一事进行研究。目前,瑞典已经基本进入无现金社会。2016年,瑞典零售业中仅有15%的支付行为经由现金完成,相比2010年40%的比例有大幅下调。有些瑞典商店甚至直接采用无现金营业,彻底与现金支付说再见。

对于这种央行发行的电子货币,Riksbank也表达了自己的担忧。由于瑞典数字支付市场主要由小型支付商、服务商和基础设施提供商支撑,一旦出现系统性故障,瑞典的无现金社会运营可能因此陷入困境。因此,Riksbank表示,未来发行的这种"电子克朗"将完全由政府进行背书保障。

未来,普通瑞典民众只要通过app或银行卡开设一个专门账户就可拥有和使用这种电子货币,且使用场景主要为小型线下支付。此外,Riksbank还邀请私有领域服务商和金融企业就这一数字货币提案发表意见和建议。

移动股票交易平台Stockpile成功融资3000万美元

本周,移动股票交易平台Stockpile宣布在B轮融资中成功收获3000万美元。本次融资由Fidelity支持的Eight Roads Ventures领投。本轮融资过后,Stockpile累计融资额已经超过4500万美元。

Stockpile将目标客户群体锁定在千禧一代,用户只需下载iPhone或者安卓用户端,或者登陆Stockpile官网,即可免费开通交易账户。此外,用户不仅可以给自己开通账户,也可以为自己的家人(包括未满18周岁的儿童)开立账户。在这个平台上,用户不仅可以以99美分每笔交易的价格购买股票或者ETF产品,还可以设置自动化投资计划、追踪投资进程、通过免费迷你课程了解股票投资常识,甚至还可以购买电子或实体充值卡帮助家人朋友开启股票投资之旅。

日本颁发11个加密货币交易许可,目前暂无叫停ICO计划

昨日,日本金融服务局(FSA)宣布为11家加密货币交易平台颁发运营牌照。同时,FSA还对获得许可的平台提出了各种监管要求,比如搭建安全系统、分离用户账户信息和审核用户身份信息等。而针对如今如火如荼的ICO市场,本月早些时候日本官员曾表示,目前日本政府暂无计划叫停ICO,而这与东亚邻国中国、韩国坚定的ICO监管政策也形成了鲜明对比。

London-based identity verification startup Onfido raises $30 million from Microsoft, Salesforce, others

Onfido, a UK-based identity and document verification startup based, has raised $30 million in a series C round of funding led by Crane Ventures Partners, with participation from existing investors, including Salesforce Ventures. Microsoft Ventures also joined the company’s roster of investors for the first time. Founded out of London by three Oxford University graduates in 2012, Onfido helps businesses carry out background checks — this could be for potential employees at the recruitment stage, someone opening a bank account remotely, or workers on “sharing economy” platforms such as Uber, Zipcar, or TaskRabbit. The background checks cover everything from criminal records to driving misdemeanors. Almost everyone has a smartphone with a built-in camera, and Onfido is able to use this to compare and cross-reference a person’s facial biometrics with their identify document, such as driver’s license. The person’s identification can then be checked against global databases for any issues. Onfido said that it uses machine learning smarts to automate background checks across 192 countries, though it also leans on humans “to verify outliers.”

Other companies operating in the identity verification space include San Francisco-based Checkr, which has raised around $50 million in funding since it was founded in 2014. Microsoft also recently led a $10 million funding round in Trusona, a startup that aims to verify that internet users are who they say they are. (Source: VentureBeat)

Deloitte was hit by a cyber attack

Professional services giant Deloitte - one of the so called top four in the world - said a breach had occurred where an attacker had accessed data from an email platform. The firm has informed regulators about the incident. The attack was discovered earlier this year, according to the report. "Very few" clients have been affected by the attack it has been determined, following a review by cyber security and other experts both within the company and from outside. All have been contacted and none have been disrupted as a result of the attack and neither has Deloitte's own business. (Source: The Guardian)

Korean crypto exchange Korbit sold to Nexon parent for $80M

The parent company of games giant Nexon has confirmed that it acquired Korea’s second largest cryptocurrency exchange, Korbit, in a deal that values it at just over $120 million. A spokesperson confirmed to TechCrunch that it paid 91.3 billion KRW (approximately $79.5 million) for 65.19 percent of Korbit. South Korean finance website Hankyung previously reported on the deal, but it pegged the overall valuation at more than $150 million.

The deal is a landmark for Korea, and really anywhere else in the world, since it represents an established corporate taking a big step into the world of cryptocurrencies. Korbit raised a $3 million Series A round back in 2014 through investors including SoftBank Ventures Korea, Pantera Capital and Tim Draper. Since then it has expanded beyond bitcoin to offer Ethereum and dozens of other coins. (Source: TechCrunch)

Sweden investigates introducing its own e-currency

Riksbank, Sweden’s central bank, is investigating the possibility of introducing its own electronic currency, the “e-krona”. Sweden is already largely cash-free. In 2016, only 15% of its retail payments were made in cash – down from 40% in 2010 – and some shops have abandoned cash entirely. Riksbank’s concern is the potential vulnerability of a cashless society in case of a systemic failure, as Sweden’s digital payments market is currently in the hands of a small number of commercial players, payment services and infrastructures. The central bank said the e-krona could act as a government-guaranteed means of payment and a digital complement to cash. For the Swedish public, e-krona would be available via an account or through an app or card. The latter would also enable small offline payments, which would make the digital currency more accessible for people unwilling or unable to hold an e-krona account. Riksbank has also invited private-sector service providers and financial companies to submit proposals on how the digital currency could be implemented. (Source: Computer Weekly)

Stockpile raises $30 million for fractional stock trading app

Millennial-focused fractional share trading app Stockpile has raised $30 million in Series B funding led by Fidelity backed Eight Roads Ventures. This latest investment brings the total raised by Stockpile to more than $45 million. Stockpile customers can download the iPhone or Android app or visit stockpile.com to open a free account for themselves or anyone in their family, including children under 18. They can buy individual stocks or ETFs at 99 cents a trade, set up an automatic investment plan, track their investments, learn about stock investing through free mini-lessons, or help others get started by purchasing e-gifts or physical gift cards redeemable for stock. (Source: Finextra)

Japan approves 11 cryptocurrency exchange operators, no plans for ICO ban

Japan’s Financial Services Agency (FSA) today approved 11 companies as operators of cryptocurrency exchanges. The FSA has laid out various requirements for exchange operators, such as building secure systems, segregation of customer accounts, and checking customer identities. Earlier this month, Japanese officials said they had no plans to ban digital token sales or initial coin offerings (ICOs). (Source: Tech in Asia)


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