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FCA公布新一批金融科技沙盒企业名单

2014年,英国金融行为监管局(FCA)启动了一项开创性监管沙盒项目,旨在帮助雄心勃勃的金融科技公司在复杂金融服务规则下顺利运行,后来世界各地都在效仿这一模式。最近,FCA公布了第三批入选沙盒计划的企业名单。

FCA数据显示,本批次共有61家公司申请,18家公司符合沙盒标准,不同领域、地区、不同公司规模的企业都通过沙盒计划得到了成功应用。成功申请的提案涵盖了一系列领域,包括基于区块链的支付服务、管理科技、保险、AML控制、生物识别数字ID以及了解你的客户(KYC)识别系统。

金融科技沙盒第一阶段中,大部分公司都来自伦敦,只有少数来自英国其他地区。

随着FCA在新兴金融技术中心继续扩大区域参与度,其后每一批中其他区域公司对比例开始增加。被邀请参加第三批测试的公司中,超过40%的公司不在伦敦,而第二批和第一批中这一比例分别为35%和25%。

据悉,FCA现在正在接受第四批沙盒计划公司申请,截止日期为2018年1月31日。

以下是第三批入选沙盒计划的金融科技公司名单:

Barclays:监管科技项目,跟踪FCA手册中有关法规更新,让Barclays的内部政策实施与之保持一致。

Barkat Ventures:国际资金转账平台,使客户能够将提供医疗服务,同时实现汇款。

Chynge:基于区块链的跨境汇款系统,集成交易监控系统,该系统由虚拟人工智能的合规程序驱动,解决洗钱、恐怖主义融资和欺诈等问题。

Curl:全新的消费者支付网络,根据开放的银行应用程序编程接口设计,通过@用户名、直接银行转账运行。

Economic Data Sciences:技术解决方案,利用人工智能为基金经理在投资选择的诸多风险、目标中提供数学的最优平衡交易。

Etherisc:利用区块链智能合同,提供全自动的分散性航空保险。

first direct and Bud:从交易、人口统计数据了解客户属性,从市场、汇丰银行及其他外部银行中识别金融、非金融产品的应用程序。

FutureFlow:交易监控系统,通过在交易数量上标记个体价值单位来监控金钱流动,促进各方之间的匿名信息共享,帮助预防金融犯罪。

Nationwide:自动解决方案,提供数字储蓄指导和投资建议。

Crca:P2P投资整合平台,促进对P2P贷款投资组合的投资。

reBank:合并商业银行帐户为唯一登录账户的平台,通过使用预测性算法,reBank为企业提供了提升银行业务、商业支付效率的可能性。

ResonanceX:全新的电子平台,采用集成或区块链资产托管系统,实现结构性产品在价格发现、价格执行和生命周期管理上的点对点自动化。

Sherpa Management Services:保险解决方案,为会员提供一个账户,建立和管理多种保险风险。Sherpa提供动态产品,需要改变时,可以增加、减少被保险人费用。

Solidi:基于区块链的支付平台,利用加密货币为汇款提供便利,速度更快,交易成本更低。

Spherical Defence Labs:应用程序编程接口(API)安全系统,利用深度学习和计算语言学,可以监测到对银行的高级攻击和入侵。

Square Book:为首次公开募股或私募发行提供询价圈购的全新竞拍方式,旨在比现有方法更公平、更透明。

Wrisk:利用创新风险评分法的内容保险产品。

Yoti:技术提供商,允许用户创建加密、生物识别的数字身份证,与政府发放的身份证相连接。Yoti让用户与金融机构积极分享他们的认证身份细节,便于在KYC认证中使用。

The UK Financial Conduct Authority (FCA) has just released an update on their regulatory Sandbox created to help aspiring Fintech firms to navigate the labyrinth of financial services rules. The trailblazing project, which has been replicated around the world, kicked off in 2014 and the FCA is now in its 3rd cohort of firms.

The cohort 3 firms are :

Barclays: Regtech proposition which tracks updates to regulations within the FCA Handbook and aligns their implementation to Barclays’ internal policies.

Barkat Ventures: International money transfer platform that enables customers to send healthcare services along with their remittances.

Chynge: DLT-based cross-border money remittance system that incorporates a transaction monitoring system which is powered by a virtual, artificial-intelligence compliance bot to tackle money laundering, terrorism financing, and fraud more efficiently.

Curl: New consumer payment network designed around open banking APIs, which works via @usernames and direct bank transfers.

Economic Data Sciences: Technology solution that utilises artificial intelligence to provide fund managers with a mathematically-defined optimal trade-off among a number of risks and objectives during the investment selection process.

Etherisc: Uses smart-contracts on a blockchain to provide fully-automated decentralised flight insurance.

first direct and Bud: App which learns customers attributes from transactional and demographic data to identify financial and non-financial products from a marketplace of first direct, HSBC and external institutions.

FutureFlow: Transaction monitoring system that monitors the movement of money through the economy by tagging individual units of value in transaction amounts and facilitates the sharing of anonymised information between parties in order to help prevent financial crime.

Nationwide: Automated solution providing digital savings guidance and investment advice.

Orca: P2P investment aggregation platform that facilitates investment in a diversified portfolio of P2P loans.

reBank: Platform that consolidates business bank accounts into one login. Using predictive algorithms, reBank offers businesses the potential to improve the efficiency of their banking tasks and business payments.

ResonanceX: New electronic platform that enables end-to-end automation of price discovery, execution and life-cycle management of structured products using centralised or blockchain asset custody.

Sherpa Management Services: Insurance solution that offers members one account to set-up and manage multiple insurance risks. Sherpa offer dynamic products which provide the ability to increase and decrease the sum assured as needs change.

Solidi: Blockchain based payments platform that uses cryptocurrencies to facilitate money remittance at a faster speed and with lower transaction costs.

Spherical Defence Labs: Application Programming Interface (API) security system that detects advanced hacks and breaches in banks powered by deep learning and computational linguistics.

Square Book: New auction method of book-building for initial public offerings/private placements that aims to be fairer and more transparent than existing methodologies.

Wrisk: Usage-based contents insurance product with innovative risk scoring method.

Yoti: Technology provider that lets users create an encrypted, biometric digital identity linked to their government issued ID. Yoti lets users of the app actively consent to share their verified identity details with financial institutions for use in KYC verification.

According to the FCA, 61 applicants applied for this round of participants and 18 met the Sandbox standards. The FCA says it continues to see successful sandbox applications from a diverse range of sectors, locations and firm size. Accepted propositions cover a range of areas including Blockchain based payment services, Regtech propositions, insurance, AML controls, and biometric digital ID and Know Your Customer (KYC) verification.

In the Fintech Sandbox’s first phase, a majority of the firms were London-based with only a few from other parts of the UK.

As the FCA continues to increase its regional engagement in emerging Fintech hubs, the proportion of regional firms has increased in each subsequent cohort. Over 40% of firms invited to test in cohort 3 are based outside London, compared to 35% in cohort 2 and 25% in cohort 1.

If you are interested, the FCA is now accepting applications from firms to be part of their fourth Sandbox. Firms have until 31 January 2018 to submit their applications.


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