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维珍集团斥资千万打造全新数字银行平台

传统金融的互联网化国际资讯

维珍集团斥资千万打造全新数字银行平台

受英国零售银行技术与监管变革影响,Virgin Money于去年斥资3830万英镑开始打造一个全新的数字银行平台,希望借助这个“以数据为导向,以客户为中心”的在线平台扩大集团在中小企业市场的吸引力。

其实早在2016年11月,Virgin Money就已经与前巴克莱银行首席执行官Antony Jenkins参与创立的金融科技创业公司10x Future Technologies签署合约,为新业务打造数字核心。

供应商的API将统一整合到一个单一的安全网络中,这将有助于Virgin Money集合有关客户的所有相关数据 - 如现有财务、生活方式偏好和风险承受度 - 以找到最佳产品。

据了解,Virgin Money的这个数字银行将为客户提供可个性化的通用账户,满足不同用户的特定需求。除了现有的抵押贷款、信用卡和零售存款市场业务外,新数字银行还将新增现金账户和主要储蓄服务。

新银行预计于2018年下半年正式推出。

Virgin Money spent £38.3 million last year building the technology backbone for its new digital challenger bank. Virgin Money is aiming to broaden its appeal in the SME market and extend its offering into current accounts and savings through the creation of a "data-driven, customer-centric" digital bank. The company says it aims to take advantage of the technological and regulatory changes shaping UK retail banking, including the introduction of PSD2.

"The Virgin Money digital bank will be underpinned by next generation technology and architecture, offering customers a Universal Account that can be personalised to create a unique proposition tailored to individual needs," says the company in its results statement. "In addition to our current presence in the mortgage, credit card and retail deposit markets, the digital bank will allow us to expand into the current account and linked primary savings markets."

Virgin Money signed a contract with 10x Future Technologies, the fintech startup established by former Barclays chief Antony Jenkins, in November 2016 to build a digital core for the new business.

The vendor's API brings legacy systems together into a single secure network, which will help Virgin Money to pull together all the relevant data about a customer - such as existing finances, lifestyle preferences and risk tolerance - to find them the best product such as a mortgage in a fraction of the time it currently takes.

The new bank is expected to see the light of day in the second half of 2018. Jayne-Anne Gadhia, Virgin Money chief, says: "Broadening our customer appeal through the development of our SME and digital bank propositions will provide access to a wider pool of UK retail banking revenues and further diversify our funding base."


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