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高盛:Marcus未来可能不只是一家网贷平台了

全新的互联网金融模式国际资讯

高盛:Marcus未来可能不只是一家网贷平台了

Final是一家来自奥克兰的信用卡创企。通过Final平台,用户可以为每一个需要支付款项的商家设立一个特有的虚拟卡号,这样就能有效避免欺诈风险。然而,该公司于2017年12月宣布企业即将关闭。

不过据Fast Company报道,高盛集团已经开始准备接收这家企业。从2018年春季起,Final的工程师和产品经理就将进入高盛工作,主攻消费金融领域,并成为高盛消费者与商业银行部门的中坚力量。

近几年来,高盛在涉及面向消费者的业务方面进行了频繁的收购:

  1. 收购通用电气资本银行(GE Capital Bank) - 该机构为高盛带来了规模客观的存款基础。
  2. 收购Honest Dollar -该数字退休储蓄应用于2016年3月被收购。
  3. 推出Marcus平台及债务合并贷款。
  4. 收购Genesis Capital - 该机构虽然不提供直接面向消费者的服务,但是却可以为高盛新增一个房地产开发部门
  5. 并购在线小企业贷款机构Bond Street
  6. 在Marcus平台新增家装贷款产品。

未来Marcus是否会提供全套银行产品?

经过了这些年的并购和发展,高盛已经拥有了消费借贷、小企业贷款和房地产三大领域的专家团队。而随着Final公司前员工的加入,高盛未来发行信用卡产品也不是完全没有可能。

高盛已经明确表示,GS银行(未来即将更名为Marcus银行)将成为该公司的重要项目,而且该集团预计到2020年贷款将比交易活动带来更多收入。而目前来看,似乎只有为用户提供全套的银行产品服务,才能保证高盛顺利完成这一目标。那么按照正常逻辑来说,最适合在下一步推出的产品就是信用卡了。

高盛似乎为我们展示了21世纪银行发展的又一种新思路:先获得一个规模客观的存款基础,然后创建或收购各种业务,最终利用这些存款金融上述各类投资服务并为储户、投资者和集团带来收益。毕竟,当你像高盛那样拥有雄厚的资金时,你就不需要依赖外部资金来源来让你的生意走上正轨。

Ainsley Harris reported in Fast Company today that Goldman Sachs is acquiring the employees who built Final, a credit card startup based in Oakland. Final offered a unique kind of credit card, one that would create a different virtual card number for every merchant, thereby reducing the risk of credit card fraud. The company announced in December that they were shutting down.

According to Fast Company:

Goldman gains about a dozen engineers and product managers with experience building a consumer finance product from scratch. When they arrive at Goldman in the spring, they will join a growing roster of consumer-oriented employees, all part of the bank’s new Consumer and Commercial Banking division.

It has been a busy couple of years for Goldman Sachs when it comes to their consumer facing business. This latest deal follows a long list of acquisitions for Goldman recently:

  1. Acquisition of GE Capital Bank – this jumpstarted GS Bank giving it a huge deposit base.
  2. Acquisition of Honest Dollar – the digital retirement savings app was acquired in March 2016.
  3. Launch of Marcus with debt consolidation loans.
  4. Acquisition of Genesis Capital – not really consumer facing but could add a real estate development arm to the bank.
  5. Bond Street – employees of the online small business lender moved to Goldman Sachs.
  6. Addition of home improvement loans to the Marcus offerings.

Marcus to Offer a Full Suite of Banking Products?

It isn’t much of a stretch now to think that Marcus is at least considering launching a credit card. Judging by this list above they are clearly looking at several different areas to grow their bank. They now have expertise in all three verticals: consumer lending, small business lending and real estate. With the addition of the employees from Final they have expertise in building a new credit card business from scratch.

Goldman has made it clear that GS Bank (soon to be called Marcus Bank) is a major initiative for the company and they have gone on the record as saying that they expect more revenue to come from lending than trading activity by 2020. Given this commitment it would only make sense that they would offer a full suite of banking products for their customers. A logical step in that journey would be to add a credit card to their offerings at some point.

Maybe this is the prototype for a 21st century bank. Acquire a large deposit base and then create or acquire various businesses to put this money to work. When you have deep pockets, like Goldman has, you don’t need to rely on outside sources of capital to get your business going. To a large extent they are in control of their own destiny and if they continue to execute well I expect they will be very successful.


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