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国际资讯基于互联网平台的金融业务

英国金融科技创企Cashplus发起银行牌照申请

上周,英国金融科技创企Cashplus宣布申请英国银行业牌照,英国传统银行可能就此迎来又一次冲击。

拥有银行牌照的好处有很多,比如可以将存款对商外借,但是同时也要承担更多的监管责任。

如果牌照申请成功,那么Cashplus目前持有的2亿英镑消费者资金将直接可以转变为存款。

Cashplus成立于12年前,此前是一家专门的支付解决方案公司,也是英国传统银行几个重要的金融科技对手之一。

据了解,近些年来已经有越来越多的新型银行开始通过纯数字端的服务抢夺老牌银行的生意,其中就包括Metro Bank、Monzo和Starling Bank.

Cashplus said on Thursday it will soon apply for a UK banking licence as part of the British "fintech" firm's plan to step up its challenge to traditional banks.

Having a banking licence offers holders advantages including the ability to lend out deposits to businesses, but it also carries the burden of greater regulatory scrutiny.

The move will allow Cashplus to convert the 200 million pounds of customers' funds it holds into bank deposits, its chief executive Richard Wagner told Reuters.

"We have a proven track record and six years' of profitability, and this change will help us provide more services to customers overlooked by traditional banks."

Formerly Advanced Payments Solutions, Cashplus was founded 12 years ago as one of the first rivals to traditional banks to come from the growing "fintech" sector.

Newer banks with branches such as Metro Bank and app-only smartphone rivals like Monzo and Starling Bank, are chasing market share from incumbents like Lloyds and Barclays by offering slicker digital services.


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