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41周

亚马逊允许青少年开设独立账户,不过下单还需父母审批

本周,电商巨头亚马逊宣布,将允许13至17周岁的青少年开设独立账户,不过最终下单还需获得父母或监护人同意。据CNN Money报道,青少年账户需要与父母的主账户关联,主账户所有人可以选择通过短信或email审批子账户订单、设置消费上限或者自动默认允许任何购买行为。此外,如果主账户是亚马逊高级会员(Amazon Prime),子账户也同样可以享受相应优惠。每次下单过后,子账户账单都将发送至母账户,而后者有30分钟的时间选择是否取消订单。亚马逊还指出,青少年账户不会包含其父母或监护人的信用卡信息,而且子账户所有人也没有浏览母账户所浏览/购买历史的权限。

IPO大获成功,日本金融科技创企Money Forward市值突破5亿美元

日前,著名日本金融科技创企Money Forward成功上市,再度创造了日本金融科技产业的历史。Money Forward本次上市地点选在了东京证券交易所旗下的创业板版块,IPO累计融资2500万美元,企业市值因此突破5亿美元。Money Forward成立于2012年,同时为企业与个人用户提供金融管理服务。虽然Money Forward试图打破日本银行业垄断,但是要想真正实现这一目标,还必须与银行业携手合作。其实,Money Forward的投资者有不少就是日本的各大银行。今年,Money Forward计划销售总额突破2400万美元,高于2016年的1360万美元。不过与很多创业企业一样,Money Forward目前还未实现盈利。上次统计显示,Money Forward目前账面损失额大约为800万美元。

加密货币获国际货币基金组织力挺,未来有望取代美元?

国际货币基金组织(IMF)负责人拉加德近日表示,各大银行和各国政府应该改变对比特币和其他加密货币的看法。拉加德认为,IMF可能在未来利用加密货币替代特别提款权(Special Drawing Rights, SDRs),甚至借此进一步替代国际市场储备货币。显然,市场对于这个消息并不惊讶。不久前,迪拜政府就曾表示,有意发行自有的国家加密货币。此外,多家大型银行似乎也开始低调支持各国的国家数字货币计划。事实上,国际化数字货币虽然可以提供去中心化的安全保证,但也要求IMF在保证各国资金流通的同时对货币价值进行实时修正和监管。但是,这样一个系统似乎与比特币等加密货币的底层支持原则是相背离的。

法国电信巨头Orange集团宣布下月推出自有品牌银行

本周,法国电信巨头Orange集团宣布,将于11月2日推出自有品牌的银行服务。Orange集团意识到,越来越多的人开始通过手机app了解自己的银行账户动态,而这也成为了其开办自有银行的动机之一。Orange银行的基本思路与德国N26银行类似--用户可以随时在手机上更改用于支付的银行卡、实时了解转账信息、解锁/冻结银行卡等等。基本的银行服务是免费的,Orange银行用户之间还可以进行实时转账。此外,Orange银行还支持Apple Pay,未来有望添加Android Pay。除了基本的手机与短信功能外,Orange还与IBM合作推出了app内置聊天机器人,为用户提供基本答疑服务。Orange原本计划于2017年年初推出其银行服务,但是最终因技术故障多方面原因不得不推迟上市。

保险巨头Aviva收购智能投顾平台Wealthify多数股权

近日,金融巨头Aviva集团宣布,作为企业数字化进程的一部分,Aviva将收购智能投顾平台Wealthify的多数股权。Wealthify位于英国卡迪夫,以千禧一代为目标客户群体,提供简单、便捷和低价的数字投资服务。通过ISA或一般投资账户,用户可针对5个多样化投资计划中的任何1个进行投资,最低投资额1英镑。

岛国瓦努阿图出新政,比特币投资可以换国籍

本月,太平洋岛国瓦努阿图宣布,该国公民身份投资项目开始接受比特币支付,这在全球尚属首例。据了解,该项目的移民投资费用约为28万美元,按市场价合算,大约相当于58枚比特币的价格。移民投资者不仅可以居住在这个岛国,同时还能无需申请签证直接前往英国、俄罗斯和欧盟等125个国家,护照通行度排名全球第34位。不过,瓦努阿图目前并不直接接收比特币,负责该项事务的瓦努阿图信息中心会将投资者的比特币折合成美元,然后再提交国库。有行业人士表示,未来可能有更多投资移民项目采取瓦努阿图的支付方式。

 

 

Amazon: What If Teens Could Spend All Your Money

Retail giant Amazon plans to give children aged 13-17 the ability to log into their own accounts under parental supervision, CNN Money reported on Tuesday. Teen accounts will be linked to parents’ main accounts, and will feature the ability to “either pre-approve each order via text or email (the default), set a spending limit for each order or to automatically approve all purchases,” per CNN. According to Bloomberg, parents’ Prime benefits will roll over to their children’s accounts, including benefits like streaming, gaming and shipping. Each and every purchase will also result in a receipt being sent to the parent—though they would only have 30 minutes to decline the order. The teen accounts will not contain parents’ credit card information, or allow them to see their parents’ browsing or purchase history. (Source: Gizmono)

Seasoned Japanese startup puts fintech on the map with $500m IPO

Money Forward, a well-established financial tech startup, has launched its IPO, marking a watershed moment for Japan’s burgeoning fintech scene. The firm, started in 2012, is now worth US$505 million after listing on the Mothers Index Futures section of the Tokyo Stock Exchange, which is designed for high-growth and emerging stocks. The IPO raised approximately US$25 million. Money Forward, which offers financial management services for both individuals and businesses, might be seeking to disrupt Japan’s banks, but it can only do so by partnering with them. Indeed, a number of Japanese banks are among its investors. Money Forward is aiming at US$24 million in sales this year, up from 2016’s US$13.6 million. But, like most startups, the team isn’t turning a profit – it booked an US$8 million loss at the last count. (Source: Tech in Asia)

IMF Could Issue International Cryptocurrency to Replace Dollar?

The world may soon have an international cryptocurrency in response to Bitcoin. The story comes as a response to recent comments by Christine Lagarde, head of the International Monetary Fund (IMF), encouraging banks and governments to not short-change Bitcoin and other cryptocurrencies. The news should not come as a surprise, after the recent announcement by the Dubai government regarding its intention to issue a state cryptocurrency. Further, recent news indicates a large number of banks anonymously supporting state-issued coins as the Blockchain hype continues. A globalized digital currency, while providing decentralized security, would require the IMF to fix and regulate values in order to manage the flow of money in and out of different countries. Such a system would run contrary to the underlying principles behind Bitcoin. (Source: The Cointelegraph)

Orange is launching Orange Bank on November 2

French telecom company Orange is launching a bank. At some point, Orange realized that many people control their bank accounts from mobile apps. That’s why the company thinks it’s a good idea to become a bank on its own. Orange Bank works more or less like N26’s basic features. You can make changes to your payment card from your phone, see transactions in real time, block and unblock your card and more. Basic banking will remain free. You’ll be able to send money to other Orange Bank users instantly. Orange Bank will support Apple Pay and probably Android Pay. In addition to phone and text support, Orange has partnered with IBM to work on a chatbot for basic support questions. Orange originally planned to launch Orange Bank in early 2017. But the launch had to be delayed at the last minute because of bugs and tech issues. (Source: TechCrunch)

Aviva buys majority stake in robo-advice platform Wealthify

Financial giant Aviva has bought a majority stake in Cardiff-based Wealthify, a robo-advice platform as the firm continues its digital push. Its target market, it says, is millennials and those who are new to investment by providing a simple, easy to use and low fee digital investment service. For a minimum investment of £1 customers can invest in one of five diversified investment plans through ISAs and general investment accounts. The transaction is subject to regulatory approval. (Source: AltFi)

A small Pacific island will now let you pay for citizenship with bitcoin

You can now purchase citizenship of the country with the world’s 34th most powerful passport with bitcoin. The Vanuatu Information Center, which handles applications to the Pacific island country’s honorary citizenship program, announced this month that the center has secured government approval for taking fee payment in bitcoin. It’s the first citizenship investment program to allow payments in a cryptocurrency, the center noted in a statement. The immigration fee of $280,000 translates into around 58 bitcoins at the current market price of $4,843.Vanuatu citizenship entitles individuals to reside on the island, and travel to some 125 countries, including Britan, Russia, and nations in the European Union, without a visa. Vanuatu doesn’t directly accept bitcoin either—the center has to convert the bitcoin it receives into dollars for the government. Harris thinks other investment citizenship programs are eventually likely to follow Vanuatu’s example of allowing investors to transact this way. (Source: Quartz)


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