最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化全新的互联网金融模式国际资讯基于互联网平台的金融业务

印度:顶尖金融科技中心的成长之路

如今,全球金融科技生态体系持续高速增长,世界各地每月都有数百家新创企崭露头角。基于数据的创新性营商模式不断颠覆传统金融服务业,倒逼银行与其它现有企业适应新模式。

美国对全球风投贡献巨大,且本土金融科技创企数量多,因此在全球金融科技创新中处于领先地位。2010-2015年,有203家金融科技创企成立于美国,占同期全球金融科技创企成立总数的30%左右。在此期间,支付、保险科技、借贷与投资平台等主要金融科技领域,美国新增创企数量庞大。

然而,2015年后美国新成立创企数量显著下降,过去几年,该国金融科技市场似乎已趋饱和。

另一方面,印度则脱颖而出,成为增长最快的金融科技中心。2010-2015年,印度新增金融科技创企1216家。2014-2015年,新增金融科技创企量显著上升,2014年新成立210家,2015年为454家,增幅达116%。

2015年,印度新增金融科技创企数量首次超过美国(美国同期新增企业364家)。2016年来,印度对全球新增创企数贡献率达28.4%,雄踞全球。印度在支付、借贷、投资平台与PFM等领域表现均比美国亮眼。

在支付领域,2016年来,印度新成立创企60家,而美国为30家。

借贷方面,2016年来美国有40家新增创企,印度有100家,是美国的2.5倍。

在支付平台与PFM领域,印度新增创企量分别是美国的2.15倍与3倍。然而同期印度新增保险科技创企数(19家)却显著低于美国(75家),表明印度在保险科技采用度上仍远落后于美国。

印度金融科技的兴起在很大程度上要归功于政府鼓励数字化与创业的倡议(如Startup India项目)等因素的作用。过去几年,印度的经济与营商环境对金融科技革命表现出巨大的接纳度与潜力。政府为数字支付的普及实行了自上而下的助推。2016年11月的废币运动成为Paytm等企业名声大振的重要节点。

过去几年,印度的多项创新令人赞叹,如UPI、Aadhaar的eKYC认证、BharatQR的无现金支付、生物识别支付、50多家银行推行电子钱包、支付银行(payment banks)、以及为推进农村参与度解决"最后一公里问题"推出的声音支付。此类创新表明,印度对城市与农村市场给予同等重视度,在低成本高收益的金融科技驱动创新领域找准了自己的定位。

数家全球性银行已开始入局印度金融科技生态体系。大型技术企业不断借助印度的开源支付架构加以发展,Google Tez与WhatsApp Payments正是其中一员。因此,印度是金融科技创新的重要试点,将与美国及中国等前沿国家一道引领下一轮金融科技潮。

注:按2010年新增创企数量看,全球其他金融科技中心还包括英国、新加坡、德国、印度尼西亚、瑞士及西班牙。

The global FinTech ecosystem continues to grow at a rapid pace. Hundreds of new startups are being founded every month across the globe. Innovative, data-focused business models continue to disrupt the traditional FinServ industry, with banks and other incumbents looking to adapt to these newer ways.

The US has been leading the global FinTech innovation with a massive contribution toward global VC funding as well as in terms of the number of home-grown FinTech startups. In the period between 2010-2015, the US saw 2003 FinTech startups being founded, which was ~30% of the total number of FinTech startups founded across the globe in the same period. Payments, InsurTech, Lending, and Investment Platforms were the major FinTech segments where the US saw a huge number of new startups being founded in this period.

However, in the past couple of years, the US FinTech market appears to be reaching a stage of maturity as the number of newly founded US startups has decreased significantly since 2015.

On the other hand, India has come out of the shadows to emerge as the fastest-growing FinTech hub. In the period between 2010-2015, India was home to 1216 new FinTech startups founded in this period. In 2014-15, there was a huge uptick in the number of new FinTech startups; the numbers grew from 210 in 2014 to 454 in 2015 – a 116% increase in growth.

The year 2015 was the first time India overtook the US as 454 startups were founded in India in 2015 compared to 364 in the US in the same period. Since 2016, India has dominated the global landscape with a 28.4% contribution to the total number of newly founded startups across the globe. Payments, Lending, Investment Platforms, and PFM are the major areas where India outshines US.

In Payments, India has 60 new startups since 2016 while the US has 30. In Lending, India has 100 new startups since 2016, 2.5X of the US who has 40. In investment Platforms and PFM, India has 2.15X and 3X number of new startups as compared to the US since 2016. However, in this period, India saw a significantly lower number (19) of InsurTech startups being founded compared to the US (75), highlighting the fact that India is still far behind the US in terms of InsurTech adoption.

The FinTech resurgence in India can be largely attributed to several factors such as the government’s pro-digitization and pro-startup initiative (Startup India program). In the past couple of years, India’s economic and business environment has shown great acceptance and potential for a FinTech revolution. There is a huge top-down push from the government for the adoption of digital payments. The demonetization in November 2016 was the focal point around which Paytm and others players gained prominence.

In the past few years, there have been several exciting innovations in this space, such as UPI, Aadhaar for eKYC, BharatQR for QR-based payments, biometric payments (AEPS), e-wallets by 50+ banks, and payment banks and sound-wave based payments for rural engagements and last mile connectivity. These innovations highlight the fact that India is carving out a niche for itself in low-cost, large-value FinTech driven innovation, focused on urban and rural segments alike.

Several global banks have been engaging with the FinTech ecosystem in India. Large technology players are coming forward to leverage India’s open payments architecture with Google Tez and WhatsApp Payments being one-of-its-kind initiatives by these players across the globe. Hence India is an important and significant test bed for FinTech innovation, and thus looks set to lead the next wave of FinTech along with other leaders such as the US and China.

Some of the other FinTech hubs based on the number of startups founded since 2010 are UK, Singapore, Germany, Indonesia, Switzerland, and Spain.


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