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聊一聊PayPal的金融科技收购史

国际资讯投融资

聊一聊PayPal的金融科技收购史

5月18日,PayPal以22亿美元收购瑞典金融科技创企iZettle,为其收购规模之最。金融科技企业iZettle面向欧洲与拉美市场提供智能手机支付与其他金融产品。

收购消息披露之前,iZettle正计划上市,然而其联合创始人Jacob de Geer表示:"IPO筹备后期,PayPal联系到了我们,并对iZeetle表露出极大的兴趣......加入PayPal集团,我们将成为拥有强大的资源和发展动力,并且有望快速实现此前的市场愿景。

其实,多年来PayPal公司一直密切关注着金融科技市场发展,而在收购相关创企方面也是成绩显著。在今天这篇文章中,我们就简单为您介绍一下PayPal公司近年来收购的金融科技创企。

Braintree与Venmo

Braintree如今隶属PayPal,向电商企业提供移动与网页支付系统。2007年Bryan Johnson创立了Braintree,Bill Ready出任CEO。不久后,该创企以2620万美元收购了Venmo。

2013年,PayPal以8亿美元购入Braintree。随后,Braintree宣布进军澳大利亚、欧洲及加拿大市场,而如今其业务又拓展到了香港、新加坡与马来西亚。

该迹象已标明,PayPal可通过助力金融科技企业向他国拓展市场开辟新的渠道并提升利润。

Braintree最成功的在线客户有优步与爱彼迎等。如今,Braintree已成为商业账户服务与支付处理领域最为成功的企业之一。

PayPal收购Braintree时一并购入了Venmo。Venmo同样也是支付业最重要的参与者之一。尽管Venmo的支付量仅占PayPal移动服务的一小部分,也同样面临着来自苹果等大型企业的竞争,但Venmo仍是一家成长迅速的平台。

Paydiant

2015年,为了应对苹果支付的竞争,PayPal斥资2.8亿美元收购了支付创企Paydiant,希望借此拓展旗下的支付应用种类。Paydiant的客户包括赛百味、百思买、MCX以及沃尔玛等零售商。

尽管Paydiant在传统商店一直颇受欢迎,但为PayPal所收购可保证其成为苹果与谷歌的有力竞争者。PayPal 也可为iZettle提供类似的帮助,为其提供移动支付领域增长机遇。

Xoom Corporation

早在2015年,PayPal就以8.9亿美元收购了时属eBay旗下的Xoom Corporate。PayPal利用该创企瞄准如印度、中国等新兴市场之类的重要增长点。

该数字财务转账与汇款服务提供商成立于2001年,使包括美国在内的70多个国家的用户可完成转账、支付、手机充值等活动。

Modest

为拓展至电商细分领域情景支付,PayPal收购了金融科技企业Modest,该企业可使在线商家于网页或应用内消费者潜在购买区域插入购买按钮,而无需离开页面。

这与iZettle简化支付的倡导不谋而合。Modest与Braintree合作保证在线电商将购买按钮置入恰当的位置,支持后端支付处理。

TIO Networks

2017年,PayPal以2.33亿美元收购了加拿大支付平台TIO Network,利用该创企的云支付平台进军支付业。

然而,因数据泄漏,PayPal在发现其服务中还存在漏洞而暂停了TIO Networks 服务。

Swift Financial

2017年,PayPal以1.83美元购入了Swift Financial。Swift Financial成立与2006年,PayPal收购该平台时,Swift Financial就已为20000多家小企业提供了资金。

过去20年,PayPal累计进行了13次金融科技创企收购,但并未披露收购总金额。不过可以肯定的时,目前iZettle收购案应该算是该公司收购规模最大的一次。

PayPal made its biggest ever acquisition today by buying Swedish fintech startup iZettle for $2.2 billion, the financial technology company that offers payments via smartphones and other financial products in Europe and Latin America.

This news comes after iZettle announced that it was planning an IPO, but cofounder Jacob de Geer decided to go in a different direction and said: "Late in the IPO process, PayPal got in touch and showed a serious interest in iZettle.

"By joining the PayPal family we'll become iZettle with superpowers and jump on a fast track to realise our vision." The fintech aims to generate $165 million in revenue in 2018, but what will PayPal's acquisition mean for iZettle.

Here's a summary of other PayPal acquisitions into the fintech space over the years and with that, see if iZettle will be able to achieve its goals and raise the money it needs to expand to more countries.

Braintree and Venmo

Braintree is currently a division of PayPal and provides mobile and web payment systems for e-commerce companies. After being founded in 2007 by Bryan Johnson, Bill Ready took over as CEO and soon after, the startup acquired Venmo for $26.2 million.

In 2013, PayPal acquired Braintree for $800 million and the fintech then announced that they would expand to Australia, Europe and Canada. Later, the company expanded to Hong Kong, Singapore and Malaysia.

What this already shows is that PayPal can open up avenues for fintech startups and boost revenue by helping them expand to other countries. Braintree's most successful online customers include Uber and Airbnb and today, has become one of the best companies for merchant account services and payment processing.

Venmo, that PayPal also acquired as part of the Braintree deal, is also a significant player in the payments industry. While Venmo's payment volume only represents a small part of PayPal's mobile service, it is a fast growing platform despite competition from the likes of large corporations like Apple.

Paydiant

In 2015, PayPal took on Apple Pay again after acquiring payments startup Paydiant for $280 million in order to create mobile wallet applications. Paydiant's clients include Subway, Best Buy and MCX, a group of retailers led by Walmart.

While Paydiant has always been popular in traditional stores, its acquisition ensured that it became a valid competitor against Apple and Google and PayPal could do the same for iZettle - offering the opportunity to grow within the mobile wallet space.

Xoom Corporation

PayPal acquired Xoom Corporation for $890 million back in 2015 while it was still part of eBay and the payments company used the startup to target emerging markets India and China as important growth territories.

The digital money transfer and remittance provider allows customers to send money, make payments and reload mobile phones from the US to 70 different countries and was founded in 2001.

Modest

In order to expand into a niche branch of e-commerce called contextual commerce, PayPal acquired the fintech Modest, which enables online merchants to drag and drop buy buttons to web pages and mobile apps to where consumers may see their products and purchase them there, without leaving the page.

This ties into iZettle's mantra of simplifying payments and Modest worked with Braintree to ensure that online merchants have the tools needed to embed buy buttons wherever they see fit as well as supporting back-end payment processing.

TIO Networks

PayPal acquired Canadian payments platform TIO Networks in 2017 for $233 million to make moves in the bill payments space by using the startup's own cloud based payment platform.

However, because of a data breach, the payments giant suspended Tio Networks after further vulnerabilities were found in the service.

Swift Financial

In 2017, PayPal paid $183 million to buy Swift Financial, which was founded in 2006 and at the time of the acquisition, had given funding over 20,000 small businesses.

PayPal has made a total of 13 acquisitions in over 20 years, but has not disclosed the values for all of the company. iZettle is the biggest acquisition that the payments giant has made to date.


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