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金融科技发展将加速行业震荡

Pets.com是21世纪初的一家在线宠物商店。然而,就像很多经历了那场互联网泡沫的创企一样,Pets.com在成立不到一年之后就关门大吉了。

近日,金融科技专家McWaters警告称,如今的金融科技行业发展迅速,行业竞争和震荡也在加剧,类似Pets.com这样的金融科技创企终究会被淘汰。但是,到底哪些企业会保留下来,目前还不太好说。

McWaters负责世界经济论坛颠覆性创新金融服务研究项目。他认为,未来金融科技将进一步提升银行业的稳定性和牢固性,提高银行间合作与数据共享的范围,提高对欺诈、网络威胁和系统性风险的预测能力,扩大银行借贷产品类型(比如某种针对花商推出的,考虑到淡旺季的精品店贷款)

此外,McWaters还指出,2013年的时候小技术团队还算是金融科技行业的主流力量,而如今这一切已经发生了改变。越来越多的老牌金融服务巨头开始关注金融科技领域。比如,Vanguard的人工智能投顾项目就成功融资750亿美元,远超金融科技创企领军企业Betterment的资产总量。

此外,移动支付在美国发展的并不顺利,很多美国人依旧喜欢使用传统方式(现金)或者信用卡进行支付。

 

A fintech shakeout will see a lot of Pets.coms cleared out of the way, fintech expert Jesse McWaters warned Monday, in an allusion to the company that infamously didn't survive the dot.com stock crash of the early 2000s. But at the end of day, he added, there are going to be diamonds in the rough that do survive. The problem? “It’s going to be hard to figure which ones the survivors will be,” McWaters told an FDIC fintech forum.

McWaters leads the Disruptive Innovation in Financial Services research project for the World Economic Forum, the consortium that brings together financial leaders from around the globe every January in Davos, Switzerland. He predicted that fintech will improve the stability and soundness in the banking world, as it enables greater collaboration and data sharing among banks for improved visibility of fraud, cyber dangers and systemic risk.

He added the technology will also bring forth a proliferation of specialized lending products by banks. For example, McWaters said, one could be a boutique loan for florists that takes into account their busy and slack periods.

The international fintech expert said the narrative has changed since 2013 when the feeling was a couple of guys and girls in garages would becoming dominant new players in financial services thanks to technology.

“At the time, many workers hated their banks. They wanted to run to the exits for the developers of any new apps,” McWaters recalled. But since then, long standing financial services giants have taken the lead in fintech, he said. McWaters pointed to Vanguard’s success at attracting $75 billion to its hybrid robo/human advisory service.  That far outpaces assets at fintech startup leader Betterment.

On another fintech development, he said Americans have resisted paying with their cellphones because they are comfortable using credit cards in their traditional wallets.


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