网贷平台MoloFinance获370万英镑种子轮融资 - 互联网金融门户 未央网

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网贷平台MoloFinance获370万英镑种子轮融资

目前,总部位于伦敦的金融科技公司MoloFinance正在开发一种“全数字型的”抵押贷款解决方案,该公司获得了370万英镑的种子资金。此轮投资是由北欧一家专注于金融服务业的基金组织Ubon Partners领投,并且这笔资金将用于推出该公司今年夏末第一个产品。

最初,MoloFinance公司是针对“买入让利”类的抵押贷款,例如用户希望购买一套房产作为投资行为,与此同时,公司需要与FCA合作,通过监管批准程序,MoloFinance公司希望提供一个完全数字化的、端到端的抵押贷款流程,以期为用户提供可以近乎即时决策的功能。

这家创业公司提倡,要给客户提供一个无障碍的贷款体验,同时帮助用户消除任何当前流程中存在的相关不必要成本。一旦FCA批准,MoloFinance公司也将计划开始提供住宅抵押贷款。

“现在存在的问题很简单:目前申请获得抵押贷款对用户来说是一个可怕的经历,一个痛苦的过程,它基于一种过时的做法,提供着与其他任何消费过程相比都过时的消费体验,”MoloFinance公司的联合创始人Francesca Carlesi说,“试着比较一下,一个需要基于纸张的抵押贷款流程需要4到6周的时间,而现在大多数的电子银行早就已经有了各种即时性的功能。”

Carlesi说,根据目前的现状而言,相关技术已经很成熟了。此外,用户们也已经准备就绪,未来几代人将会获得即时的数字抵押贷款服务。她说“现在我们公司正在做的,只是顺应趋势,让它发生而已。”

可以看到,目前MoloFinance公司团队已经设计出了一个完全数字化的贷款按揭过程,大多数决策都是自动化的,大部分所需信息都是以数字化的方式提的,而透明公开的“机器人顾问”将首先把客户的利益放在首位。Carlesi认为:“最终的结果就是,我们的服务将为客户提供他们该得到的生命中最重要的财务决策:速度,便利性和更低的成本”。

类似的产品已经在美国和澳大利亚投入使用了,但在英国,一些具有破坏性的竞争力量早已瞄准了抵押贷款的经纪业务,它们以Habito和Trussle为代表。Carlesi承认,这些公司“已经完成了一个伟大的第一步”,但这已经过时了,他们可以被认为是MoloFinance公司目前最接近的竞争同行,但是两种类别的商业模式是“完全不同的”。

“我们不是经纪公司,我们不打算打乱贷款的经纪人市场。我们的重点是关注整个贷款过程,从开始到结束,目标是使整个流程更加快速,简单和方便,并最终在线提供全数字形式的即时抵押贷款。总之,我们试图解决当今客户今天面临的全部问题。因为在我们看来,只解决其中的一部分并不能解决这个问题。”

关于MoloFinance公司如何实现营收的相关计划,Carlesi表示,该公司将从客户的抵押贷款利息中获取一小部分资金,而其大部分则留给其资金合作伙伴。它不会向客户收取任何不必要的附加费用(例如经纪人费用,安排费用等)。

MoloFinance, a London-based fintech that is developing a “fully digital” mortgage solution, has closed £3.7 million in seed funding. The round is led by Ubon Partners, a Nordic fund specialised in financial services, and will be used to launch the company’s first product release later this summer.

Initially targeting ‘Buy to Let’ mortgages — i.e. people looking to buy property as an investment — while the company works through its regulatory approval process with the FCA, MoloFinance wants to offer an end-to-end mortgage process that is entirely digital and with the ability to give a near-instant decision.

The idea, says the startup, is to provide a frictionless experience for the customer whilst helping to eliminate any unnecessary costs related to the current process. Once FCA approved, MoloFinance plans to begin offering residential mortgages, too.

“The problem is simple: getting a mortgage today is a terrible experience, a painful process, based on obsolete practices, outdated in any other consumer experience,” MoloFinance co-founder Francesca Carlesi tells me. “Just try to compare the 4-6 weeks paper-based process of getting a mortgage with the instant set up of a current account online now available in most challenger banks”.

Carlesi says the status quo is entirely unnecessary as the technology needed to offer something a lot better is already here. Furthermore, customers are more than ready and future generations will expect instant, digital mortgages. “At Molo we are simply making it happen now,” she says.

This has seen the MoloFinance team design a fully digital mortgage journey, where most decisions are automated, most of the information needed is sourced digitally, and where a transparent “robo-advisor” substitutes puts the interest of customers first. “The net result is that we give people what they deserve for the most important financial decision of their life: speed, ease and lower costs,” argues Carlesi.

Similar offerings are already up and running in the U.S. and Australia, but in the U.K. the most disruptive forces, in the form of Habito and Trussle, have taken aim at mortgage brokerage. Carlesi concedes that these companies “have done a great first step” that was hugely overdue and that they can be considered MoloFinance’s closest peers but that the business model is “radically different”.

“We are not a broker, we don’t intend to disrupt the broker market. We are instead focusing on the overall lending process, from beginning to the end, with the goal to make the overall process quick, easy and more convenient and ultimately provide fully digital instant mortgages online. So in short we tried to solve the full problem that customers face today. As solving only one part of it in our view doesn’t solve the problem at all”.

On how MoloFinance plans to generate revenue, Carlesi says the startup will take a small share of the money made from the interest that a customer pays on their mortgage, leaving the majority for its funding partners. It won’t charge customers any unnecessary additional fees (e.g. broker fees, arrangement fees).


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