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Fintech在线课程受热捧,多家机构高校相继入局

近来,金融专业人士掀起了参加在线金融科技课程的热潮。

此轮风潮部分原因在于,人们认识到金融科技已发展至演进拐点,学习新知识有助于自己抵御竞争并保持革新领先地位。

花旗集团2016年的一份报告曾估计,未来十年美国与欧洲银行业将有200万-600万人失业。此言论曾引起广泛争论。

岗位减少的原因在于自动化与人工智能的创新,以及更为高效且成本耗费相对少的非传统银行的崛起。桑坦德银行旗下聚焦金融科技的风险资本基金Santander InnoVentures估计,到2022年,采用区块链技术的银行每年可节约成本额高达200亿美元。

知名教育机构同样也不得不开拓创新,为金融业提供资源,保障其提升技巧能力,在激烈的竞争中保持领先。

牛津大学、普林斯顿大学、麻省理工学院等学府目前推出了针对工作繁忙的银行高管们的在线课程。

在线学习软件服务商Docebo一份报告显示,未来十年,在线教育总体将增长5个百分点,到2023年将创造2400亿美元的收益。

早在2015年,领英就购入在线教育企业Lynda,入局在线教育领域。Lynda内有金融与技术课程,例如帮助企业高管在企业内推行技术类的课程。

与此同时,南非创企GetSmarter乘势而上,成为牛津大学萨伊德商学院新晋在线金融科技课程的软件与在线校园提供商。

萨伊德商学院在线课程10月中旬甫一上线,就有来自71个国家近1000人进行了注册,英国注册人数占总人数的三分之一。

所获数据有趣点在于:约三分之一的人士目前从事金融服务行业,其中近半数有着15年以上的从业经验。

半数以上的在线学习学员为企业领导人,许多人的职务为总经理等。很大一部分人就职于世界大型银行,如美国银行、巴克莱银行、花旗银行、德意志银行、汇丰银行、渣打银行及瑞银集团等。

牛津大学萨伊德商学院主任Peter Tufano表示:"金融科技是一项令人振奋、发展迅速、至关重要的现象。与世界各地的伙伴、主要金融领域从业者及GetSmarter合作,使我们能提供最新且有用的东西,不仅惠及此项目参与者,还可助力全球。"

GetSmarter寻求拓展不提供学位的在线课程新模式,于7月被美国教育技术巨头2U以1亿美元资金收购。

2U已在纳斯达克上市,2017年表现良好,该公司此前披露其第二季度总收入同比增幅达32%。2U今年至今股价上涨超110%,其拟于11月7日披露其第三季度数字。

牛津大学某课程在线学员论坛显示,课程学员讨论的主要议题为比特币等各式加密货币。各高管等学员讨论的其他话题还可能包括:具备变革行业力量的区块链技术所带来的影响、如何利用人工智能与大数据为需求不断变化的消费者提供最好的服务。

Financial professionals are taking online financial technology (fintech) courses to fend off competition and stay ahead of disruption.

The boost in uptake is due in part to a feeling among those in the industry that financial technology has reached a turning point in its evolution.

A report from Citigroup in 2016 caused widespread debate when it estimated that between 2 million and 6 million jobs would be lost in banking across the U.S. and Europe over the next 10 years.

That was attributed to both automation and artificial intelligence (AI), innovation and the rise of more efficient and less cost-intensive challenger banks. Santander's fintech-focused venture capital fund, Santander InnoVentures, estimates cost savings for banks that implement blockchain technology as high as $20 billion per year by 2022.

Highly-regarded educational institutions are also being forced to innovate and provide the resources to the financial industry to up-skill and stay ahead of an ever-steepening curve.

The likes of Oxford University, Princeton and Massachusetts Institute of Technology (MIT) now all offer online courses aimed at busy and high-level banking executives.

According to a report from e-learning software provider Docebo, online education in general is set to grow by 5 percent over the next decade and generate over $240 billion by 2023.

Financial professionals are taking online financial technology (fintech) courses to fend off competition and stay ahead of disruption.

The boost in uptake is due in part to a feeling among those in the industry that financial technology has reached a turning point in its evolution.

A report from Citigroup in 2016 caused widespread debate when it estimated that between 2 million and 6 million jobs would be lost in banking across the U.S. and Europe over the next 10 years.

That was attributed to both automation and artificial intelligence (AI), innovation and the rise of more efficient and less cost-intensive challenger banks. Santander's fintech-focused venture capital fund, Santander InnoVentures, estimates cost savings for banks that implement blockchain technology as high as $20 billion per year by 2022.

Highly-regarded educational institutions are also being forced to innovate and provide the resources to the financial industry to up-skill and stay ahead of an ever-steepening curve.

The likes of Oxford University, Princeton and Massachusetts Institute of Technology (MIT) now all offer online courses aimed at busy and high-level banking executives.

According to a report from e-learning software provider Docebo, online education in general is set to grow by 5 percent over the next decade and generate over $240 billion by 2023.

Peter Tufano, dean at Oxford's Said Business School, told CNBC: "Fintech is an exciting, fast-moving and important phenomena. By collaborating with partners from around the world, practitioners in all the major financial sectors, and GetSmarter, we are able to offer something that is up-to-date and useful to not just our program participants, but the world."

GetSmarter was acquired by American education technology giant 2U for over $100 million in July as it looks to join the non-degree focused line of online course offerings.

The Nasdaq-listed 2U has had a good 2017 itself after posting a year-on-year increase of 32 percent on its top line in the second quarter. The company's stock is up over 110 percent year-to-date and it is scheduled to report third-quarter figures on November 7.

An online student forum for a course from Oxford University showed that the main topic of conversation was cryptocurrency bedfellows bitcoin and ether. But other topics for these students, including some top executives, will likely be the industry-changing impact of blockchain or how to best serve a changing consumer with the latest in AI and big data technology.


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