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英国移动银行Emma获FCA审核通过

本周,总部位于伦敦的艾玛科技(Emma Technologies,后文简称Emma)正式获准对外提供支付服务。

Emma自称是“千禧一代专用的银行程序”,由Marino和Edoardo Moreni共同建立,在FCA批复之前一个月才刚刚开始进行服务测试。Emma希望通过其平台,帮助消费者避免透支、查找和取消服务订阅、同时及时追踪债务情况。未来,Emma还计划将Revolut和Monzo这两家新型数字银行也整合到其页面之中。

根据最新的支付服务指令(PSD2),开放式银行业务旨在通过迫使银行允许挑战者安全访问其客户详细信息来促进该行业的竞争,而Emma则希望能够充分利用这一监管新规带来的发展优势。

迄今为止,Emma在没有外部帮助的情况下已经得到了投资,而且也已经成功吸引了首批数千名用户。

London-based Emma Technologies, which calls itself the "banking app for millennials", has today won approval from the City watchdog to provide payment services.

The Financial Conduct Authority (FCA) gave the nod to the mobile-only app just over a month after it launched its beta service, helping consumers avoid overdrafts, find and cancel subscriptions and track debt with the aim of saving money.

Emma also revealed it will be integrating challenger banks including Revolut and Monzo into its interface.

"We started developing Emma on a mission to improve people’s financial well being. We are thrilled to announce the FCA has given us full permission to achieve our goal," said Emma's co-founder Antonio Marino.

Emma, which is an anagram of the initials of its founders (Marino and Edoardo Moreni, who met at the University of Manchester) should now be able to take advantage of the UK's new Open Banking initiative.

Stemming from the updated Payment Services Directive (PSD2), open banking is designed to promote competition in the sector by forcing banks to allow challengers secure access to their customer details.

"Our goal is to build a private wealth manager, an artificial intelligence that sits between our users and their financial services with the aim of helping," said Moreni.

The business has so far been funded without external help, and according to the founders has attracted "thousands" of users already.


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