TransferWise成首个获准直接进入英国央行支付系统的金融科技创企 - 互联网金融门户 未央网

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TransferWise成首个获准直接进入英国央行支付系统的金融科技创企

其他国际资讯

TransferWise成首个获准直接进入英国央行支付系统的金融科技创企

随着英国监管机构和政府进一步采取措施,鼓励国内金融行业的发展,日前TransferWise成为第一家获得英格兰银行内部支付系统直接准入资格的金融科技公司。这家英国支付公司以非银行的身份,成为第一家在英格兰银行“实时全额清算”系统开设账户的公司。未来,TransferWise无需经由商业银行也能将交易处理到英国境内。

TransferWise首席执行官Kristo Käärmann表示,直接处理交易意味着,公司能够提高转账速度,同时削减成本。近几个月以来,为了拉升交易额,TransferWise正在极力降低对用户的扣费。Käärmann透露,英格兰银行的措施,会以进一步降低收费的形式给用户传递利好。

去年夏天,英格兰银行列出规划,将扩大其支付系统接入许可。上周三,英格兰银行行长Mark Carney说:“在竞争和创新之下,我们预计支付技术的多样化和降风险性将强化金融稳定,同时提升客户服务。”快速支付计划首席执行官Craig Tillotson也表示,为TransferWise开放接入许可的举措,让金融科技公司能够和银行“在同一地平线上竞争”。

英国监管机构鼓励金融科技公司发展,得到了科技领导者和其他企业接连的赞誉,Käärmann表示,英格兰银行和金融行为当局及财政部“在给全世界做榜样方面做得很好”。Käärmann号召其他国家的相关机构,如美联储采取相同的措施,他补充说:“我想我们都应该问美联储这样一个问题:你们想摆脱慢吞吞的一日处理系统,实现即时支付,那为什么要设那么多限制?”

金融科技等领域非银行公司的增长已经开始蚕食银行的传统收入来源:2017年,英国银行业和支付行业收入的近14%来自10年前不存在的公司。不过,这场竞赛也刺激了银行推出自己的新产品,比如桑坦德银行上周推出了一项区块链外汇服务,希望能与TransferWise相抗衡。

TransferWise has become the first fintech group to gain direct access to the Bank of England’s interbank payment systems, as regulators and the government step up their efforts to encourage competition in the UK’s financial sector.

The British payments group on Wednesday became the first non-bank to hold an account in the BoE’s “Real Time Gross Settlement” system, allowing it to process payments into the UK without going through a commercial bank.

Kristo Käärmann, TransferWise chief executive, said settling transactions directly would allow it to speed up its money transfers while cutting costs. The company has been aggressively reducing the fees it charges customers in recent months in order to increase volumes, and Mr Käärmann said the benefits of the BoE’s move would be passed on to customers in the form of further fee reductions.

The Bank of England outlined its plans to widen access to its payment systems last summer, and on Wednesday governor Mark Carney said: “by stimulating competition and innovation, we anticipate increased diversity and risk-reducing payment technologies will reinforce financial stability while enhancing customer service.”

Craig Tillotson, chief executive of the Faster Payments Scheme that TransferWise will now gain direct access to, said the move allows fintech to compete with banks “on a level playing field”.

British regulators have repeatedly won praise from tech leaders and other businesses for encouraging the growth of fintech, and Mr Käärmann said the BoE, along with the Financial Conduct Authority and Treasury, had “done a great job of showing the rest of the world what’s possible”.

Mr Käärmann called on authorities in other countries such as the US Federal Reserve to take similar steps, adding: “I think that’s a question now we should ask the Fed: a big thing for them has been to get away from a slower system to same-day processing and instant payments, but why restrict access to banks only?”

The growth of new non-bank companies in areas such as fintech has already started eating into banks’ traditional revenue sources: almost 14 per cent of revenues in the UK banking and payments sector in 2017 was earned by companies that did not exist ten years ago, according to a forthcoming report by Accenture.

The competition has spurred some to fight back with their own new products, however, with Santander last week launching a blockchain-based foreign exchange service that it hopes will rival TransferWise.


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