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摩根大通推出网上银行Finn,这让智能投顾软件有点头疼

传统金融的互联网化国际资讯

摩根大通推出网上银行Finn,这让智能投顾软件有点头疼

最近,针对不喜欢去支行办业务的千禧一代年轻人,摩根大通推出了一款名为Finn的网上银行,在全美范围内推广。

作为一家端到端的移动银行,除了提供基本的支票存款和储蓄账户功能外,Finn还提供与个人金融创业领域中的许多公司业务相近的服务。

这就提出了一个问题,大银行要踏足金融科技公司的地盘,后者怎么办?

此前,投资创业公司Acorns推出的一款app让用户可以把零钱存起来用于市场投资,因此深受千禧一代的喜爱,2017年首席执行官Noah Kerner将其称之为公司"独一无二"的特色产品。而Finn应用程序也可以提供类似的服务,还可以与活期和储蓄帐户的衍生品相关联,而Acorns做不到这一点。另一家创业公司Stash也提供类似的综合服务。

虽然Finn不能帮助用户完成投资,但它确实从很多有趣的方面扩展了Acorns和Stash的功能。用户可以使用Finn创建特定的规则,确定何时将资金从活期转移到储蓄。可以设置,"努力工作,更聪明地存钱"规则,在工资日预留出一定额度的资金。还可以设置"自由不限制"规则,当用户在买东西时花费超过一定金额时,就预存一定额度的现金。

对于用户来说,与收益率仅为0.01%的储蓄账户以及收益稍高一点的网上银行储蓄账户相比,股票市场敞口肯定收益更高。尽管如此,产品依然可能会吸引那些想把钱放在放心的地方,而不追求高额回报的用户,而且没有排除大通在应用程序中添加股票市场投资功能的可能性。负责Finn的大通银行工作的Melissa Feldsher虽然没有针对自动存款功能如何完善发表意见,但是表示,公司热衷于"进一步发展这些功能"。

JMP证券公司的分析师Devin Ryan表示,创业公司也免不了被大银行山寨,大银行会在创业公司首创服务的基础上继续开发。

与此同时,创业公司正在寻求突破摩根大通银行服务的途径。值得注意的是,Acorns推出了一张借记卡。但投资创业公司Betterment首席执行官Jon Stein说,创业公司踏足大银行地盘的障碍更大。Stein 在2017年接受Business Insider采访时表示,"在过去的三十年里,有多少大型金融服务品牌出问题?几乎就没有。"

而在其他国家地区,创业公司如雨后春笋,弥补了大银行的不足。著名亿万富翁Mark Cuban支持的创业公司Dave,旨在帮助人们避免透支费用。在用户数量超过50万后,Dave在4月份宣布了一轮1300万美元的融资。但Finn用户不需要下载此类产品,因为网上银行压根就不收取此类费用。

还有一些创业公司将客户群体定位为那些不愿处理纸质支票的人。企业服务数据库公司Crunchbase显示,Checkbook.io就是这样一家在两轮融资中筹得资金的公司。Finn支持用户通过手机发送支票。

从战略角度来看,在这款产品上跟随创业公司的脚步似乎并不是大通银行的首选。Feldsher表示,Finn可以帮助摩根大通在没有设立分行的地区扩展业务,因此首次亮相选在了没有大通银行网点的圣路易斯。6月底Finn通过App Store在全国推广。但根据Feldsher的说法,摩根大通并不认为分支机构无关紧要。Feldsher 表示,"Finn是为寻求端到端体验的人们打造的,我们会将其看做大通货架上的另一款产品。"

大通发言人不愿透露使用该应用程序的人数。Finn在App Store的评级为4.5星(满分5星),共有513个评分。相比之下,Ally Mobile评级为4.7星,评论超过6000条。

When I first heard JPMorgan was building a mobile-first bank aimed at millennials dubbed Finn, I was ready for an eye-rolling experience.

But after downloading the app over the Fourth of July holiday and transferring some cash from my traditional Chase checking account, it's clear that Chase has built something that should keep fintech firms up at night.

Finn, which is an end-to-end mobile bank, recently rolled out nationwide. In addition to offering bread-and-butter checking and savings account functionality, it also offers services many firms in the personal finance startup space have built their businesses around.

That raises the question: what do fintechs do when big banks decide to step on their turf?

Acorns, the investing startup, became a darling of millennials when it launched its app that allows folks to put aside spare change, and invest that in the markets.

It's a feature CEO Noah Kerner described to this reporter in 2017 as " still unique" to the firm. But Finn's app provides a similar service that's connected to the bells-and-whistles of a checking and savings account, which Acorns does not provide. Stash, another startup, offers a similar round-up service as well.

While Finn doesn't allow you to invest in the markets, it does expand on the functionality of Acorns and Stash in a number of interesting ways.

With Finn, users can create specific rules that determine when money will be transferred from checking to savings. One rule, "Work Hard, Save Smarter," puts aside a set amount of money on pay day. There's also "the Limit Does Not Exist" which saves a predetermined amount of cash whenever a user spends over a certain amount on a purchase.

To be sure, stock market exposure offers the possibility of much larger returns than a savings account offering an annual percentage yield of a paltry 0.01%, a fraction of what most online banks offer for savings accounts.

Still, such an offering could lure in users who are more interested in a easy place to park their money than outsized returns. And the possibility of Chase adding stock market investing to the app hasn't been ruled out. Without commenting specifically on how the Autosave feature would mature, Melissa Feldsher, who leads the efforts at Chase on Finn, told Business Insider the firm was keen on "evolving those features."

Devin Ryan, an analyst at JMP Securities, said the functionality shows that startups aren't immune from big banks copy-catting and then improving upon services they pioneered.

"The best features that are getting launched today are being replicated in some cases by the incumbents," Ryan said. "And in some cases the incumbents are launching them on their own."

At the same time, startups are looking to crack into the banking services offered by a JPMorgan. Notably, Acorns rolled out a debt card. But the hurdles for startups to step on the turf of big banks are higher, according to Jon Stein, CEO of investing startup Betterment.

"How many big financial services brands have broken out in the last three decades? It is very few," Stein said in a 2017 interview with Business Insider.

Elsewhere, startups have popped up to remedy the short-comings of big banks. Dave, a startup backed by famed billionaire Mark Cuban, aims to help people avoid overdraft fees. It announced a $13 million fundraising round in April after amassing 500,000 users. But Finn users would likely never need to download such a product because the mobile bank doesn't charge such fees.

There are also startups targeting folks who don't want to deal with the annoyance of paper checks. Checkbook.io is one such firm that has raised cash in two fundraising rounds, according to Crunchbase. Finn allows users to send a check from their phone. This reporter paid his rent in a couple of minutes from the app.

From a strategic perspective, it doesn't appear that going after startups is Chase's priority with this product.

It could help JPMorgan expand its foothold in regions where it doesn't have a branch presence, says Feldsher, hence its debut in St. Louis, where there are no Chase banks. Finn rolled out nationally via the App Store at the end of June. But JPMorgan isn't betting that branches are irrelevant, according to Feldsher.

"This is not a branches aren't relevant play," she said. "This is built for people looking for an end-to-end experience. We look at this as another product on the Chase shelf."

A spokeswoman for Chase declined to comment on the number of people using the app. It has a 4.5/5 star rating on the App Store with 513 ratings. By way of comparison, Ally Mobile has a 4.7 star rating with over 6,000 reviews.


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