最有看点的互联网金融门户

最有看点的互联网金融门户
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

亚马逊的金融科技版图

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

亚马逊的金融科技版图

上周,CB Insights发布一份最新报告《2018亚马逊金融服务领域调查报告》,对亚马逊对金融服务领域的行动进行了分析。该报告深入研究了亚马逊的付款、贷款、新推出的"亚马逊现金" (Amazon Cash program)等服务,以及在国际范围内发展金融科技服务的过程。

Amazon Cash:对无账户群体而言意义非凡

虽然我最感兴趣的是亚马逊的贷款服务,但在这之前,我更想聊一聊Amazon Cash。亚马逊于2017年4月推出了这项服务,起初我对此并无过多关注。然而,经过一番考量,我愈发觉得,Amazon Cash可能会对美国乃至全世界的无银行账户群体产生深远影响。

Amazon Cash就像是一座桥梁,线下的消费者通过该服务直接将现金存入亚马逊账户,用账户上的资金购买亚马逊的产品。Western Union、MoneyGram和Coinstar都加入了"Amazon Cash"服务。

再借助一张借记卡,亚马逊就能让无账户群体拥有一个准银行账户,该账户可在亚马逊以外的地方使用。很多调查都显示,消费者对亚马逊的信任度有多高,Amazon Cash对金融普惠的影响力就有多大。

亚马逊贷款:潜力很大但活跃度不足

我想花点时间说说亚马逊在贷款方面的发展。说实话,我有点被惊到了。

2011年,亚马逊就有了一个小微企业贷款部门,2017年6月宣布已累计放贷30亿美元。但是在小微企业网络贷款领域,亚马逊未能位列前三,OnDeck、Kabbage和CAN Capital的放贷金额都比它高。

说良心话,亚马逊并不想做一个普通的贷款平台。它旗下的小微企业贷款部门目前只是帮助亚马逊平台上的卖家销售产品、发展壮大,尚不清楚其有其他的发展意向。

亚马逊的另一进攻方向是信用卡。目前,它已推出了几款信用卡和借记卡,有一些是为了加强Prime会员的忠诚度。不过亚马逊似乎也想进军平台之外的日常消费领域,争取占得重要市场。

亚马逊印度:其他国家的发展模板?

亚马逊近期很重视印度市场。很少有人知道,亚马逊针对金融科技领域的股权投资和并购大多都在印度,目前已经完成了7项交易,比在美国的都多。本年初,亚马逊就对印度的小企业贷款平台Capital Float投资了2200万美元。

本月初发生了一件很有意思的事。亚马逊推出了一项新的贷款计划,其他国家可能会对此有所借鉴。亚马逊和美国银行有合作关系,该银行可为前者的小企业贷款提供资金。在印度,亚马逊也和五家银行或非银行机构结成了合作关系。

亚马逊不想变成传统的小微企业贷款商,虽然这对它而言并不难。它希望其他企业承担信用风险,而平台消费者可借此拿到自己最满意的贷款数额。

亚马逊下一步准备怎么做?

前文花了大量篇幅对亚马逊在金融科技领域的下一步计划进行预测。其中有很多是谣言,CB In-sights的报告对此有详细介绍。

我读了包括CB Insights报告在内的很多文章,上面普遍认为,亚马逊不想成为21世纪的摩根大通。它只是想提高买卖双方在亚马逊平台的参与度,为此,需着重解决的问题就是资金。

预测亚马逊的计划固然有趣,但更重要的是能跟上它的发展并与之合作。我希望,在未来很长时间内,亚马逊能大力推动金融科技的发展。亚马逊有能力重写金融服务领域的规则,因为在其他很多行业,它已经成功做到了。

Last week CB Insights released this really interesting report titled, Everything You Need To Know About What Amazon Is Doing in Financial Services. While Amazon has already made some moves in fintech is a huge amount of speculation as to what they will do next. This report covers both what Amazon has done and also speculates as to where they might be going.

The report provides an in depth look at the moves Amazon has made in payments, lending, the new Amazon Cash program and also takes a look at how the company has been developing fintech programs internationally.

Amazon Cash For The Unbanked Consumer

While I was most interested in the lending section before I get to that I want to talk about Amazon Cash. I have paid little attention to this product since it launched in April 2017 but the more I think about it the more I see a product that could move the needle for the unbanked in this country and possibly around the world.

Simply put Amazon Cash bridges the offline and online worlds by allowing anyone to shop on Amazon with cash. The way they do this is through partners like Western Union, MoneyGram and Coinstar. Consumers can bring in cash and deposit it into an Amazon “account”. They can then shop on Amazon and use this balance on this account to pay for Amazon products.

It doesn’t take much imagination to see where Amazon could take this. By the simple addition of a debit card, Amazon could move the unbanked into a quasi bank account that could be used at places beyond Amazon. Many surveys have said how much the public trusts Amazon and they could really make a difference for financial inclusion by developing this product.

Amazon Lending: Lots of Potential But Not Much Activity So Far

When it comes to lending I have been following developments at Amazon closely for some time. To be honest, I am a little underwhelmed by what they have accomplished thus far in the lending space.

They have had a small business lending operation since 2011 and much fanfare was made about the $3 billion they have loaned through June 2017. But that doesn’t even put them in the top three online small business lenders in that time period. OnDeck, Kabbage and CAN Capital all loaned more.

To be fair Amazon is not trying to be a general purpose lender. Their SMB lending operation is targeted solely at Amazon marketplace sellers as a way to help them grow their business so they will sell more products on Amazon. It is not clear they have a desire to do more than that.

Amazon is also moving into credit cards for consumers. They have several credit and debit cards available today, many targeted towards their Prime customers in an effort to develop more loyalty. But they are showing signs of also wanting to become a major player in their customers’ everyday spending which happens outside of Amazon.

Amazon India: A Blueprint For The Rest of the World?

Amazon has had a major focus on India for some time now. A little known fact is that the majority of Amazon’s fintech equity investments and M&A has been focused on India. They have done seven fintech deals to date there, more than they have done in the US. Earlier this year, they made a $22 million investment into the small business lending platform Capital Float.

The most interesting news out of India is something that came out earlier this month. Amazon launched a new lending experiment that may end up being a blueprint for other geographies. In the US Amazon has partnered with Bank of America to provide the funding for their small business loans. In India they are using a marketplace with five participants, both banks and non-banks.

Even though it easily could it appears that Amazon does not want to be a balance sheet lender. They want others to take the credit risk and a marketplace is a way to help their customers get the best loan deal. If they bring this concept to other countries it could be a game changer for online small business lending.

What’s Next For Amazon?

Much has been written speculating about what Amazon’s next move might be in financial services. There have been many rumors and the CB Insights report actually details many of them.

The general consensus among the articles I have read, including the CB Insights report, is that Amazon does not want to become the JPMorgan Chase of the 21st century. What they really want is to increase participation with both buyers and sellers on the Amazon platform. They want to reduce friction points and one of the major causes of friction is finance.

While it is fun to speculate about what Amazon might do it is more important to keep up to date with what they are actually doing. I expect them to continue to become a more significant force in fintech for many years to come. They could end up rewriting the rules of financial services as they have done to many other industries.


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