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毕马威发布Fintech百强名单,中国企业独占鳌头

毕马威与H2 Ventures联合发布年度《金融科技100强》榜单。以下我们为您列出了排名前十的企业名单:

1. 蚂蚁金服(阿里巴巴旗下提供支付等服务的企业)

2. 众安(保险)

3. 趣店(在线借贷)

4. Oscar(保险)

5. Avant(在线借贷)

6. 陆金所(在线借贷与财富管理)

7. Kreditech(数字银行)

8. Atom Bank(数字银行)

9. 京东金融(在线借贷)

10. Kabbage(在线借贷)

那么前十榜单又有何值得注目之处呢?

首先,中国表现抢眼雄踞榜单前三。中国政府认识到了金融科技的战略要义,因此中国是世界上最大的金融科技市场,亚洲企业主宰榜单可以想见。其次,榜单前十大多为在线借贷与数字银行企业。而对传统金融来说,如果还不采取行动通过数字化革新改造企业,可能不久就会被市场淘汰。

具体来说,入选本次榜单的企业共分为以下几类:

32家借贷企业、21家支付企业、15家交易与资本市场企业、12家保险企业、7家财富管理企业、6家监管科技与网络安全企业、4家区块链与数字货币企业和3家数据与分析企业。

这100家金融科技企业中,41家来自英国与欧洲、中东及非洲,29家来自美洲(南北美),30家来自亚洲(含澳大利亚与新西兰)。

榜单前50家金融科技企业仅在去年就筹集了近48亿美元资金,这50家企业自成立以来累计已筹资270亿美元。

有关榜单分类问题总是有讨论的空间,但重要的是各式金融正迅速走向数字化这一事实。无论是保险科技、监管科技、在线借贷还是数字银行,很快消费者们就会绕过实体机构,仅拿起手机就能管理资产、购买金融服务。那么榜单中缺少的是哪个部分呢?答案是传统金融。他们规模较大,利润可观,因而地位稳固。花旗集团、美国银行、摩根大通又又何举动?是各处投资还是无为静待?

KMPG, along with H2 Ventures, has compiled their annual Fintech 100 list. So who is at the top of the global Fintech stack? We want to know too, just like you.

Let's cut to the chase:

1. Ant Financial (part of Alibaba providing payments and much more)

2. ZhongAn - Insurance

3. Qudian - Online lending

4. Oscar - Insurance

5. Avant- Online lending

6. Lufax - Online lending and Wealth Management

7. Kreditech - Digital Banking

8. Atom Bank - Digital Banking

9. JD Finance - Online lending

10. Kabbage - Online lending

So what sticks out within the top ten?

First of all, China is killing it taking the top three spots. China is the largest Fintech market in the world as the government has recognized its strategic importance so one may expect the Asian powerhouse to dominate the list. Secondly, online lending along with digital banking are dominating the top ten. What does this say for traditional finance? Watch out, if you are not making the move to become a streamlined digital only operation you may soon be dust. Sorry. You saw the comet coming.

KPMG / H2 break down the Fintech list categories as follows:

32 lending companies,

21 payments companies,

15 transaction and capital markets

12 insurance companies,

7 wealth companies,

6 regtech & cyber security companies,

4 blockchain and digital currencies companies, and

3 data and analytics companies.

The Fintech100 list includes:

41 companies from the UK and EMEA (Europe, the Middle East and Africa),

29 companies from the Americas (North and South America), and

30 companies from Asia (including Australia and New Zealand).

The Top 50 on the Fintech list have raised approximately USD $4.8 billion in the last year alone and over UD $27 billion in aggregate over their lifetimes.

We can debate the categorization all day long but the important message is the fact that all forms of finance are quickly going digital. Whether it is Insurtech, Regtech, online lending, digital banking … whatever, soon enough all consumers will be skipping the trip to the bricks and mortar outpost by simply grabbing their smartphone to manage their money and purchase financial services. So who is missing from the list (in our humble opinion)? Traditional finance. Secure in their relative size and comfortable profit margins. Where is Citi, BoA, JPM Chase? Investing here and there or simply waiting in the corner…


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