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46周

金融科技创企Active Intelligence融资825万美元,宜信参投

金融科技创企Active Intelligence总部位于新加坡,同时在印度班加罗尔开设了创新实验室。本周,该公司宣布A轮融资成功收获825万美元。本次融资由Vertex Ventures、宜信和Dream Incubator领投。此前,IDG Ventures和Kalaari Capital曾在前A轮融资对Active Intelligence投资300万美元,这两家同时也参与了本次投资。Active Intelligence的核心产品是一个名叫Triniti的AI引擎,通过机器学习、自然语言处理、自然语言收集和物联网等技术,借助微型对话将消费者和银行联系起来。目前,Active Intelligence已经成功进军印度、马来西亚、新加坡、北美和澳大利亚市场,并计划进一步加快全球拓展的脚步。该公司CEO表示,本次融资将主要用于银行AI领域的人才储备与研究工作。

立足大数据算法,催收平台TrueAccord再获融资2200万美元

本周,新兴催收平台TrueAccord再次成功融资2200万美元。区别于传统的"暴力"催收方式,TrueAccord表示平台会利用更加温和的模式,通过电子邮件和文件等方式推动催收模式的转变。比如,平台用户首先通过电子邮件等方式使平台对其债务情况完成初步了解。然后,平台会根据用户的行为模式(比如邮件打开方式/频率、回复消息的速度、浏览TrueAccord的模式或者与电调员的沟通方式)对催收的渠道、频率、预期和偿付方式进行个性化规划。除此之外,如果用户的确财务压力较大,还可以与TrueAccord协商降低债务情况或者指定个性化偿还计划。最后,用户也可以要求TrueAccord提供更多的文件、破产报告,随时了解自己的债务状况。

填填问卷就能保费打折,在线寿险平台Health IQ再获3460万美元C轮融资

本周,在线寿险平台Health IQ宣布获得3460万美元C轮融资,著名投资人Andreessen Horowitz领投。Health IQ与市场中著名的寿险服务商合作,为马拉松运动员、素食主义者、举重运动员、自行陈运动员和其他健康意识尤为突出的群体提供保险服务,费率在4%到33%之间,远低于市场平均价格。此外,Health IQ还利于数据模式,根据用户行为习惯为其量身定做保险方案。而且,如果用户参加Health IQ健康问卷获得足够高的分数的话,还可以获得平均4%的保费折扣。此外,用户在达到Health IQ列出的某些健身指标后(比如可以完成8分钟限时跑),也可以获得相应的保费折扣。Health IQ此举也是为了帮助人们提高健康意识,毕竟为什么自律健康的人要与无视健康的人承担一样的保费呢? 据了解,Health IQ还计划在未来进军其他保险产品市场,其中就包括残疾保险和长期护理保险。

高盛旗下在线借贷平台Marcus交易总量成功突破20亿美元

本周,在线借贷平台Marcus宣布交易总量成功突破20亿美元。该平台隶属于美国高盛集团,于2016年10月正式推出,今年夏天交易量达到10亿美元。截止2017年11月9日,Marcus共累计发放贷款19.6亿美元,也就是说在短短四天后,该平台的新增贷款发放额就上涨了4000万美元。据了解,Marcus平台贷款年利率为12%,低于信用卡借贷16%的利率要求。贷款产品平均时限为4年,平均额度为1.5万美元。集团CFO Marty Chavez表示,高盛预计Marcus未来三年的借贷潜力大约为130亿美元。高盛曾预计,整个借贷市场的规模大约在2000到2500亿美元,Marcus未来的市场占比可达到6%左右。

东盟六国携手建立金融科技产业联盟

东盟地区共有10个成员国,人口总数超过6.2亿,共享国内生产总值2.5万亿美元。然而,这一地区的银行服务渗透率一直非常低,有超过3亿居民没有正规的银行账户。随着近年来网络服务的普及,东盟地区金融科技发展迎来了一个春天。本周,来自印度尼西亚、马来西亚、菲律宾、新加坡、泰国和越南的相关机构携手,共同建立了首个东盟金融科技产业网络联盟。据了解,这个产业网络联盟将主要关注以下四个方面:金融科技劳动力培训、资本投资渠道拓展、全球市场开放和现金科技落地使用。

Flux携手巴克莱银行,让收据告别纸质时代

本周,来自伦敦的金融科技创企Flux宣布与巴克莱银行(英国)达成合作,为后者的1万名用户提供数字化收据服务。Flux由前Revolut员工创建,通过在线软件平台将商户的POS系统产生的收据数据数字化,弥补银行流水或app账单之前空缺的内容。Flux表示,这些数据用处很多,比如帮助用户了解消费行为或者用于积分项目管理。除巴克莱之外,Flux还与英国著名数字银行Startling Bank和Monzo都达成了合作协议。

 

Fintech Startup Active Intelligence Raises $8.25 Mn Funding From Vertex Ventures And Others

Active Intelligence, a Singapore-headquartered fintech platform with an innovation lab in Bengaluru has successfully raised $8.25 Mn in its Series A funding, led by Vertex Ventures, Creditease Holdings and Dream Incubator. The company had earlier raised $3 Mn funding in a Pre-Series A round from IDG Ventures and Kalaari Capital. Active.ai is an AI and SaaS-enabled platform that connects consumers with its banking partners through micro-conversations. The startup's AI engine, Triniti employs machine learning, natural language processing, natural language generation and IoT. Active Intelligence is currently providing its services to the markets of India, Malaysia, Singapore, North America and Australia, and is looking forward to deepening its presence in the markets. CEO of Active Intelligence stated that the current funding would be used to scale up the talents and R&D works regarding AI technology in the banking sector. (Source: inc42)

Kinder, gentler debt collector TrueAccord raises $22 million

Bringing debt collection into the age of the soft touch, email and text-based world of the 21st century has netted TrueAccord $22 million in a new round of funding. Platform user can get the first communication based on his/her debt parameters (one of several possible emails). And then based on the user's behavior (emails opened, text messages you reply to, browsing pattern on TrueAccord's website, conversation with the call center) the system continues to personalize the experience in channel, frequency, tone, and payment arrangement until it finds something that works for the user. Besides, through TrueAccord a user can negotiate down their debt burden (if they're in financial distress) or get a personalized payment plan. Users can also ask for more documents, report bankruptcy, browse on their mobile devices, and get updates on the status of their debt. (Source: TechCrunch)

Health IQ Secures $34.6 Million In Series C Funding Led By Andreessen Horowitz

Health IQ Insurance Services (Health IQ) announced that it secured $34.6 million in Series C funding led by Andreessen Horowitz. Health I.Q. partners with established life insurance companies to offer policies to marathon runners, vegans, weightlifters, cyclists and other health-conscious people with rates that an average of 4% to 33% lower than they could traditionally expect. The business is built on a data-driven approach to underwriting that seeks to reward people for their healthy behavior rather than penalize them for red flags. Shah rewards people who score high enough on the Health I.Q. quiz with an average of 4% savings on their life insurance policy. Additional savings come when someone verifies their fitness level, such as the ability to run an eight-minute mile, and exhibits other health and fitness characteristics that are indicative of a lower risk. Health I.Q. plans to branch into other types of insurance in the future, including disability insurance and long-term care insurance. (Source: Forbes)

Goldman Sachs' new online lending business just hit a $2 billion milestone

Goldman Sachs' Marcus business just hit a $2 billion milestone. The US bank launched online lending business Marcus last October, and passed the $1 billion mark this summer. Marcus had $1.96 billion in originations as of November 9, which would imply $40 million in new loans in four days. The loan portfolio has an average APR of 12%, which compares with charges of 16% plus on credit card balances. The loans have an average tenor of four years, with an average loan amount of $15,000. CFO Marty Chavez said Tuesday that Goldman Sachs could see a $13 billion lending opportunity with Marcus over three years, assuming a 6% market share in what Goldman calculates is a $200-$250 billion addressable market. (Source: Business Insider)

Asean countries launch fintech network

The Asean region is seen as rife for fintech disruption, with over 620 million people across 10 countries, with a shared GDP of $2.5 trillion and a rapidly growing online population yet low banking penetration - more than 300 million citizens do not have bank accounts.National financial technology organisations from six Asean countries (namely Indonesia, Malaysia, the Philippines, Singapore, Thailand and Vietnam) have banded together to form a network designed to foster collaboration and boost the region's position as a fintech hub. The network has identified four priorities: training of the fintech workforce; boosting accessibility of investment capital; creating global market access; and deepening the availability of cutting-edge technology. (Source: Finextra)

Fintech startup Flux partners with Barclays for itemised receipts

Flux, the London fintech startup founded by former early employees at Revolut, has announced a partnership with Barclays in the U.K. that will see it trial its itemised receipt technology with 10,000 of the bank's customers. The young company has built a software platform that bridges the gap between the itemised receipt data captured by a merchant's point-of-sale (POS) system and what little information typically shows up on your bank statement or mobile banking app. This extra captured data can also potentially do other useful things, such as power rewards programs, or help you understand your spending better with, for example, much more granular categories e.g. what did I spend on coffee this week, not how much did I spend eating out. In addition to today's announced Barclays tie-in, which came about after Flux went through the Techstars-powered Barclays accelerator, the startup has also integrated with challenger bank Starling and is running a small pilot with Monzo. (Source: TechCrunch)


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