最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

蓄势待发,尼日利亚能否成为下一个非洲金融科技之星?

纵观非洲金融科技行业,发展速度和规模最突出的当属肯尼亚和南非。

过去几年,肯尼亚金融科技增长主要是由M-Pesa移动汇款与支付业务带动。而在安永《2017全球金融科技采纳报告》中,南非位列第三。报告强调,在金融采纳率方面,南非增长率为71%,紧随中国与印度之后。

然而,若要选出南非之外又一大金融科技市场,那应该就是尼日利亚了。

尼日利亚一直苦于应对经济衰退,如今终于逐步走入恢复模式。从尼日利亚手机领域的增长就可窥见该国金融科技的市场潜力。正如印度进行的无现金化革命(由废钞运动带动)与中国移动支付的壮大(支付宝与腾讯的拉升),尼日利亚在这一方面也迎来了跳跃式发展。2011年该国月均移动交易额500万美元,2016年已升至1.428亿美元。

照尼日利亚银行验证码数据看,该国拥有银行账户的人士不足5000万(总人口为1.70亿),而这也充分说明了未来尼日利亚普惠金融的巨大发展潜力。

一直以来,尼日利亚联邦政府都在通过一个名叫“支付系统愿景(Payments Systems Vision,PSV)”的项目来推动该国的无现金化进程。此举有助将互联网渗透率与智能手机使用度转化为消费者移动支付行为。

中小企业在金融科技普及中通常起着关键作用。尼日利亚约70%的经营者使用智能手机,其中,74%的人表示愿意学习新技术。

在今天这篇文章中,就让我们简单了解两家来自尼日利亚的金融科技创企。

Releaf

Releaf并不是一家纯粹的金融科技企业。该公司是一家在线企业,其提供的解决方案可使商家得以追踪并与可信的卖/买家进行交易。该平台使用户可直接与价值链中个体进行交易。Releaf通过价值链去中介化,使交易双方完全实现价值。

Releaf平台还发挥了透明市场的作用,所有相关方均可知晓交易价格。价格信息方便易获取,有助于帮助农民设定正确的市场价格,并通过标注市场价格较高的区域优化分销。农民还可相互交流,制定整销方案。农民如今的销售范围可不必局限于附近区域,其丰收损耗也就有所减少。

Releaf代表创新非洲(Africa Innovation)进入了哈佛创企(Harvard Startup)比赛决赛。该公司还入选了去年第三季度Y-Combinator项目。

Flutterwave

Flutterwave是一家可使在非洲大陆实现无缝支付的平台。Flutterwave创建了一项应用层,可使支付服务提供商与全球商家相融合。如此一来,这些提供商就可接触到支付渠道、解决方案与非洲不同国家的货币。Flutterwave的API可使商家几乎实时在非洲各个国家使用信用卡、移动钱包、银行账户进行收付款。

Flutterwave也是Y-Combinator成员,总部位于旧金山,并在拉各斯、内罗毕、阿克拉、约翰尼斯堡设有办公处。迄今,Flutterwave在其平台上已完成价值20亿美元的交易,并与遍布非洲的43家银行展开了合作。

Flutterwave三大核心产品:

  1. Rave:可从国内外消费者处收款。
  2. Moneywave:允许用户向国内外付款。
  3. Barter:这是一款新近推出的产品,可使用户有效管理用于零售、积分和消费的各类虚拟或实体银行卡。

Flutterwave大部分增长是在2017年实现的,然而其90%的交易均达成与尼日利亚境外。该公司与43家银行签署了伙伴关系,主要原因在于其推广战略,且符合监管要求。银行与支付解决方案涉及增长与合规要求,而Flutterwave则只专注于技术。近期,Flutterwave还与Transferwise合作,帮助后者在尼日利亚重新上线。

尽管本文只列举了两家笔者认为表现最突出的尼日利亚金融科技创企,但其实该国在绝大多数金融科技领域均有各类企业涉足。可以说,目前尼日利亚的金融科技应用仍然相对简单,价值链中尚有切实缺口须待解决。不过笔者以为,尼日利亚的技术、雄心和市场均已就位,我们要做的就是静待手握绝佳产品的企业发展壮大。

Looking at Africa’s Fintech map, the usual suspects are Kenya and South Africa. While Kenya’s growth over the years has been primarily around mpesa, South Africa came third in EY’s Global Fintech Adoption Report 2017. The report highlighted that with 71% growth rate, South Africa was just behind China and India in Fintech adoption. However, if we are looking for the next big market for Fintech in Africa, we cannot go wrong with Nigeria.

The country has been grappling with a recession and is finally in recovery mode. The market potential for Fintechs in Nigeria can be explained by the growth of mobile phone lines. Like the cashless revolution that’s ongoing in India (thanks to Demonetization) and the growth of Mobile payments in China (thanks to Alipay/Tencent), Nigeria has been undergoing its own leap frog moment. Mobile transactions have grown from an average monthly value of $5 million in 2011 to $142.8 million in 2016.

The more interesting statistic for me is the potential for Financial inclusion. As per Bank Verification Number data in Nigeria, less than 50 Million people (of population of 170 Million) had bank accounts.

The Federal Government of Nigeria has been spearheading the cashless drive through its Payments Systems Vision (PSV). This has helped translate internet penetration and smart phone adoption into consumer mobile payments use cases.

SMEs often play a critical role in Fintech adoption. About 70% of Nigerian traders own a mobile phone and 74% of them are prepared to learn a new technology. On that note, let me discuss a couple of startups that are thriving in Nigeria.

Releaf

Releaf  (and they are not purely Fintech): They are an online business to business marketplace, offering a solution that empowers Agropreneurs with the ability to locate and transact with trusted buyers and sellers. The platform allows them to trade directly with individuals along the value chain. By disintermediating the value chain, Releaf enables both parties the full value of the transaction.

The platform also acts as a transparent marketplace where prices along the trade corridor are visible to all parties. Availability of pricing information helps farmers to set the right market prices for their produce and optimizes their distribution by highlighting where market prices are higher than their immediate area. Farmers can also interact with each other and plan bulk sale of produce. As farmers can now look beyond their immediate markets, their post harvest wastage is also reduced.

Releaf were finalists in the Harvard Startup competition for Africa Innovation. They also were part of Y Combinator programme in Q3 last year.

Flutterwave

Flutterwave is a platform that enables seamless payments experience across the African continent. Flutterwave have created a layer that payment service providers and global merchants can integrate with. In doing so, these providers get access to payment channels, methods and local currencies in different African countries.  The Flutterwave’s API enables merchants to pay and get paid from millions of cards, mobile money wallets and bank accounts in several African countries almost immediately.

They are an alum of Y Combinator and have their head quarters in San Francisco. Their offices are based in Lagos, Nairobi, Accra, and Johannesburg. They have so far done over $2 Billion worth of transactions on their platform and have partnered with 43 Banks across Africa.

They have three key capabilities,

  1. Rave: A Flutterwave product that accepts payment methods from customers around the world.
  2. Moneywave: A Flutterwave product that allows users to make payments to anyone around the world.
  3. Barter: A more recent product of Flutterwave that lets users manage virtual and physical cards for retail, loyalty and expense management

While they have managed most of their growth in 2017, 90% of their transactions are still based out of Nigeria. They have managed to sign partnerships with 43 banks in 2017 primarily because of their go-to-market strategy and stayed clean from a regulatory stand point too. The banks and payments solutions took care of growth and compliance, while they just focused on the technology. More recently they also helped Transferwise relaunch their platform in Nigeria through a partnership.

While I picked the two most interesting companies (for me), the Nigerian Fintech ecosystem has a good variety of use cases across most Fintech clusters. The use cases are still quite simple as there are genuine gaps in value chain to be addressed, however the skills, ambition and more importantly the market is there to take firms with the right products to scale.


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