无惧脱欧影响,2018年上半年英国金融科技投资超越美国 - 互联网金融门户 未央网

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无惧脱欧影响,2018年上半年英国金融科技投资超越美国

国际资讯投融资

无惧脱欧影响,2018年上半年英国金融科技投资超越美国

今年上半年,英国金融科技投资总额超越美国,占据欧洲首位,欧洲吸引投资总额260亿美元,其中英国吸引投资161亿美元(123亿英镑)。

欧洲十大金融科技交易中有四笔发生在英国,其中包括Revolut筹资2.5亿美元,eToro筹资1亿美元,Flender筹资6000万美元,Moneyfarm筹资5400万美元。毕马威金融科技报告提供的数据显示,风险投资公司巩固了英国作为融资热点的地位,缓解了人们对脱欧后英国创业公司会受到损害的担忧。

过去6个月全球金融科技投资水平打破了记录,发生交易875笔,吸引投资579亿美元,与2017年全年总额的381亿美元相比增幅达34.2%。毕马威金融科技全球联合负责人Anton Ruddenklau表示,"2018年金融科技领域起步势头强劲。""除了英国吸引投资的水平看涨之外,政府还推出金融科技行业战略,金融科技行业从政府的持续支持中收益颇丰。"

总部位于英国的Vantiv公司以129亿美元收购Worldpay,是英国今年上半年数额最大的一笔交易,瑞典在其他重大收购交易方面领先其他欧洲国家,被收购的公司包括iZettle和Nordax Group。

亚洲接受的投资总额从2017年下半年的20亿美元飙升至2018年上半年的168亿美元,蚂蚁金服获得140亿美元的C轮融资是最大驱动力。

美国在427宗交易中获得了142亿美元的投资,尽管在过去三个月季度风险资本投资再创新高,但仍不敌英国。

在英国,人工智能和机器自动处理仍然是投资的热门领域,《通用数据保护条例》的实施让监管科技(regtech)正在迎头赶上。

毕马威预测,欧洲金融科技投资的强劲势头将持续到2018年底,对监管科技、财富管理和数字识别验证的投资将会有所增加。而支付和贷款等成熟细分市场可能会陷入困境,因为未来6到12个月可能会出现"大规模整合",大型平台不断发展,中小平台将无法形成规模。毕马威的技术主管Anna Scally还补充,"PSD2和开放银行的真正影响尚未完全展露,在接下来的数月,公司和大型技术公司将更积极地使用所掌握的数据,将会出现很多商业机会。还将会出现新的金融科技技术,形成更公平的竞争环境,创造价值。"

The UK has surpassed the US in terms of fintech investment for the first half of the year, and taken the top spot in Europe to attract $16.1bn (£12.3bn) out of the continent's $26bn total.

Four of Europe's top 10 fintech deals happened in the UK, which included a $250m raise by Revolut, $100m by eToro, $60m by Flender and $54m by Moneyfarm. Data provided by KPMG's pulse of fintech report has allayed fears that Brexit would hurt the UK's startup scene, as venture capital firms have cemented the UK's position as a funding hot spot.

Fintech investment across the world reached record levels over the last six months, taking in $57.9bn across 875 deals. This was an increase of 34.2 per cent compared to the whole of 2017, which recorded just $38.1bn overall.

"The year has got off to an exceptionally strong start for the fintech sector," said Anton Ruddenklau, KPMG Fintech's global co-lead.

"In addition to the bullish levels of investment the UK has attracted, our fintech sector has also benefitted from the government’s continued support with the launch of the Fintech Sector Strategy."

UK-based firm Vantiv's acquisition of Worldpay for $12.9bn was the UK's biggest deal in the first half of the year, with Sweden leading other major buyouts in Europe including Izettle and Nordax Group.

Investment in Asia surged from $2bn in the second half of 2017 to $16.8bn in the last six months, powered by Ant Financial's $14bn series C round.

The US scored $14.2bn across 427 deals, losing out to the UK despite reaching a new high in quarterly venture capital investment in the last three months.

In the UK, artificial intelligence and robotic process automation continued to be hot areas for investment, with regtech catching up thanks to the implementation of the General Data Protection Regulation.

KPMG predicted that investment into European fintech will remain robust until the end of 2018, with investments increasing in regtech, wealth management and digital identification verification.

Elsewhere, mature sectors like payments and lending could struggle as there is likely to be "a significant amount of consolidation" over the next six to 12 months while larger platforms grow and others fail to scale.

"The real impact of PSD2 and open banking has yet to be fully realised," KPMG's head of technology Anna Scally added.

"In the months ahead we expect to see a rise in the number of business opportunities, with companies and big tech players more aggressively exploiting the data at their disposal. We should also see the emergence of new fintechs, leveraging a more level playing field and creating value."


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