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国际资讯投融资

2017年非洲风投资金三分之一流向金融科技企业

国际资讯投融资

2017年非洲风投资金三分之一流向金融科技企业

来自Distrup Africa的一份报告显示,2017年非洲创业企业所获风投增长了51%,总额达到1.95亿美元。

其中,包括Flutterwave和Paystack在内的45家金融科技企业所获资金占据了近三分之一。目前,非洲只有大约17%的人拥有银行账户,而肯尼亚M-Pesa等公司移动货币技术的成功则再一次证实了非洲金融市场服务能力的不足和开发潜力。

其实,金融科技不仅对先进经济体国家的传统金融行业造成了冲击,在非洲也同样帮助当地解决了银行服务空缺带来的不便。

除了金融科技,投资者在2017年对非洲的电子商务和农业技术发展也持乐观态度。其中,非洲电子商务初创公司融资总额更是翻了两番,达到了1670万美元。

总的来说,尼日利亚、南非和肯尼亚依然是筹资额最高的国家,与前几年的纪录基本一致。尽管南非创业公司募集资金的数量较高,但尼日利亚的资金已经超过了南非,由编码学校安德拉(Andela)筹集了4000万美元的巨额资金,与2016年所有尼日利亚创业公司集体筹集的资金几乎相同。

除三大国之外,投资者还将目标锁定在了加纳和埃及两个新兴的创业市场。此外,投资者对来自索马里的该国售价创业公司也表示出了兴趣,而乌干达、突尼斯和摩洛哥市场的风险投资势头也在逐步加强。

Almost a third of funding raised by African startups in 2017 was in the fintech sector as investors bet on consumers turning to more formal financial services in a region where just 17% of the population have banking accounts. Venture funding for African startups jumped by 51% to $195 million in 2017, according to a report from Disrupt Africa.

Fintech was the biggest attraction for investors, the report says, with 45 startups raising one-third of total funding. The success of mobile money technology like M-Pesa in Kenya and across East Africa has long shown the potential for other underserved markets. M-Pesa’s success is likely also behind for the increasing presence of mobile networks in the African financial sector and the convergence of the two sectors (pdf page 11).

While fintech is seen as disrupting the traditional financial sector in more advanced economies, in Africa it is bridging gaps that have not been addressed by the banking industry to begin with. Between 2015 and 2017, African fintech startups including names like Flutterwave and Paystack jointly raised more than $100 million.

Aside from fintech, investors also favored e-commerce and agri-tech in 2017. E-commerce startups saw funding quadruple to $16.7 million.

Overall, Nigeria, South Africa and Kenya remained the countries with highest funding raised, consistent with their record from previous years. Even though a higher number of South African startup raised funds, Nigeria’s funding surpassed South Africa’s, skewed by a hefty $40 million raised by coding school Andela—nearly the same amount as all Nigerian startups raised collectively in 2016.

Away from the big three countries, investors also gambled on startups in Ghana and Egypt. Investors have shown interest in Somalia-based startups—a first for the country—and venture funding momentum is picking up in Uganda, Tunisia and Morocco.


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