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

拉美金融科技概述:不到一半的人有银行账户,初创企业有哪些机会?

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

拉美金融科技概述:不到一半的人有银行账户,初创企业有哪些机会?

只有11%的拉美人可以从正规机构获得信贷。 事实上,在智利37%的成年人没有正规金融账户,而智利是拉丁美洲金融包容性最高的国家之一。

相比之下,在哥伦比亚、墨西哥和秘鲁少于40%的成年人有正式的银行账户。 然而,在世界上最长期欠发达地区的地区之一,金融技术的改善为整个拉丁美洲推广金融包容性打开了大门。

越来越多的人通过当地金融科技的最新进展获得移动支付、信贷系统和P2P借贷机会,投资者正在抓住巨大机遇。

虽然过去五年拉丁美洲的金融技术取得了相当大的进步,许多工具仍然只能在它们的成立国使用。2016年9月发布的Oliver Wyman报告提供了智利、巴西、墨西哥和哥伦比亚当地金融科技公司的快览。

显然许多初创公司在每个国家都提供类似的服务,但很少有人在区域范围内实现统一的金融服务。提供区域服务的挑战可能会在未来十年内定义拉丁美洲的金融科技生态系统。

无论如何,拉丁美洲的金融技术正在填补整个地区获得金融服务的持续空白。

以下是为什么金融科技成为2018年的创业流行语,谁正在投资,以及为什么你应该关注拉丁美洲。

为什么金融科技在拉丁美洲如此重要?

到2016年,拉丁美洲不到一半的人口可以使用银行账户或借记卡。甚至更少的人可以获得信贷。 在这个中小微企业(MSME)占私营部门99%的地区,个人和小企业的金融包容性仍然是经济发展的重大挑战。

尽管面临挑战,与世界其他地区相比,拉丁美洲的银行业仍相对强劲且可盈利。 在2008年的经济衰退期间,拉丁美洲经济体出人意料地具有弹性,在2009年仅仅下降了2%之后,2010年增长了约3.8%。

相比之下,美国和欧洲的出口在2009年萎缩了10%,几年没有反弹。 拉美银行业助长了这一差异,他们来自国内的贷款增长避免了导致美国银行业陷入瘫痪的有毒投资。

尽管如此,2016年的一项研究发现,拉丁美洲的中小微企业竞争力低于全球同行,部分原因在于融资选择上存在210亿至240亿美元的缺口。 在整个地区,小企业难以实现增长,因为获得信贷仍然是一个高度正规化和官僚化的过程,将许多企业主排除在外。 这些企业雇用了至少67%的人口,推广金融包容性迫在眉睫。

幸运的是,在过去十年中,技术和互联网已经改变了拉丁美洲的商业。为不被传统银行系统接受的中小微企业和个人提供金融服务的机会已经浮出水面。

到2018年,将近50%的拉丁美洲人将拥有智能手机。 移动银行业务早已在肯尼亚等地开放,与此同时拉丁美洲也成为增加金融包容性的新科技的前沿。

拉丁美洲金融科技的机遇

Finnovista和美洲开发银行(IADB)的最近一份报告指出拉丁美洲共有703家金融科技创业公司,其中50%以上是在2014年至2016年间推出的。该行业去年获得了超过1.86亿美元的风险投资资本,其中三分之一流向了创业公司。

很明显,拉丁美洲处于金融科技革命的最前沿,互联网和技术的使用推动了这一趋势。

Magma Partners的投资组合公司Portal Finance的首席执行官Diego Caicedo最近发表了一篇文章,阐述了拉丁美洲金融科技行业的当前趋势以及这些趋势如何引领着区域的变革。电子发票和保理、数字银行、智能合约、区块链技术和数字认证流程都在推动拉丁美洲出现更具包容性的金融机构。具体而言,这些技术有助于降低在没有传统信誉度量的情况下向个人提供信贷或签订合同的风险。

以下是一些使用这些技术的最令人激动的拉丁美洲金融科技创业公司。

墨西哥

Kueski:一家墨西哥创业公司,专注于向中产阶 级提供个人小额贷款,2016年在由Variv Capital、Richmond Global Ventures、Rise Capital和CrunchFund领导的融资中获得3500万美元的资金。

Clip:拉丁美洲版Square,Clip简化了小企业的无现金支付。2015年获得以Alta Ventures为首的800万美元A轮融资。2016年,General Atlantic公司对Clip公司进行了具体数额未公开的投资。

Konfio:供微型企业贷款的在线借贷平台。Konfio致力于使用算法来衡量未获得足够金融服务的人的信誉,从而将信贷额度扩展到拉丁美洲的中小微企业。

其他值得注意的金融科技创业公司包括:Bitso、Conekta、 ComproPago和 Kiwi。

哥伦比亚

Epayco:Epayco成立于麦德林,为哥伦比亚的个人和小企业提供电子商务解决方案。 类比Venmo和Square的组合。 2016年Wayra投资了Epayco约5万美元。

Portal Finance:Portal Finance帮助中小企业从保理公司中找到最商业友好的条款。Portal Finance评估公司的电子发票并向投资者提供信息,使投资者能够快速透明地提供融资。(Portal Finance是Magma Partners的投资组合公司之一。)

Mesfix:基于波哥大的Mesfix将投资者与希望出售发票的中小企业联系起来,允许多个出资者购买单一发票的一部分。

哥伦比亚其他值得注意的金融科技创业公司包括:La Vaquinha、Prestamela和Banlinea。

智利

Cumplo:一个智利平台,连接申请贷款的公司与投资者。 Cumplo成立于2012年,已获得B Corp认证,并帮助筹集超过1.8亿美元的贷款。

FounderList:拉丁美洲版AngelList。 一个众筹平台,将私人投资者联合起来,为拉丁美洲的创业公司提供融资。 (FounderList是Magma Partners投资组合公司)

QVO:一种在线支付系统,旨在简化小型企业的交易。

其他值得关注的智利金融科技创业公司包括:ComparaOnline、Flow, Finciero和PuntoPagos.

巴西

Nubank:一家总部位于圣保罗的创业公司,为无银行账户的巴西人提供移动银行和信用卡。 自2013年成立以来,Nubank已经筹集了超过3.77亿美元,并由高盛(Goldman Sachs)领导多轮融资。

Creditas:Creditas是一个在线担保贷款平台,旨在通过提高贷款系统的效率来降低巴西人的借贷成本。

GuiaBolso:巴西唯一的个人理财平台,允许用户完全整合他们的银行账户。 GuiaBolso目前拥有超过330万用户,已筹集超过6720万美元的资金。

其他着名的巴西金融科技创业公司包括:Triunfei、Verios和Iugu。

阿根廷

Afluenta:目前,这家位于布宜诺斯艾利斯的创业公司是唯一一家在不止一个拉美国家开展业务的个人和中小企业的借贷市场。 它目前在阿根廷、墨西哥和秘鲁开展业务,并计划扩展到哥伦比亚和巴西。

Ripio:作为拉丁美洲最重要的区块链支付公司之一,Ripio正在通过区块链技术帮助提升拉丁美洲金融系统包容性。

Wayniloans:Wayniloans成立于2015年,是一个点对点借贷平台,使用比特币去中介化并简化贷款流程。

阿根廷其他值得注意的金融科技创业公司包括:SeSocio和ComparaenCasa。

这些初创公司只是拉丁美洲正在酝酿的变革的冰山一角。 虽然墨西哥、阿根廷、哥伦比亚、巴西和智利正在引领金融科技革命,这些技术也出现在秘鲁、厄瓜多尔和巴拉圭,那里的人口仍然高度缺乏银行服务。

投资拉丁美洲金融科技

在这股增长浪潮影响下投资急剧增加; 2016年,拉丁美洲81%的风险投资交易涉及金融科技公司。

LAVCA指出,金融科技公司在2016年获得了超过1.86亿美元的风险投资,其中大部分由本地投资者集团组成,包括VARIV Capital、Jaguar Ventures、FEMSA Comercio、KaszeK Ventures、Redpoint e.Ventures、Magma Partners 和 Valor Capital。

然而,2016年是金融科技投资的一个转折点,越来越多的国际公司关注拉美创业公司。 2016年,26%的交易由本地和国际风投公司之间合作投资。

QED Investors最近与加拿大丰业银行合作创建了一个平台,“将识别,投资和推动创新初创公司在整个金融科技领域的发展,以期改善拉丁美洲的产品和体验”,Visa Brazil最近成立了自己的拉美金融科技加速器,助力拉丁美洲公司成长。

拉丁美洲的金融科技生态系统过去一直由跨境支付和解决方案主导,为该地区带来740亿美元的汇款。 但在过去五年中,金融科技行业终于向前发展。 智能合约、电子支付和在线借贷公司正在大幅改善拉丁美洲的金融包容性,而这一改革才刚刚起步。

初创公司正在为个人和中小微企业提供他们成长所需的资源,从而提高区域竞争力并促进经济增长。

Only 11% of Latin Americans have access to credit from formal institutions. In fact, in Chile, 37% of adults have no accounts with a formal financial provider, even though Chile has one of the highest levels of financial inclusion in the region.

In comparison, under 40% of adults in Colombia, Mexico, and Peru have formal bank accounts. However, in one of the most chronically underbanked parts of the world, improvements in financial technology have opened the doors for widespread financial inclusion throughout the Latin America.

More and more people are accessing mobile payments, credit systems, and P2P lending opportunities through recent advances in local fintech, and investors are catching wind of the enormous opportunity.

While there have been considerable advances in financial technology in Latin America in the past five years, many tools are still only available in the countries where they were founded. A report by Oliver Wyman, released in September 2016, provides a snapshot of local fintech players in Chile, Brazil, Mexico, and Colombia.

It is clear that many startups are providing similar services in each country, but few have made the leap to offer financial services more regionally. The challenge of offering regional services may define the Latin American fintech ecosystem over the next decade.

Regardless, financial technology in Latin America is filling a persistent gap in the access to financial services across the region.

Here’s a look at why fintech has become the startup buzzword of 2018, who is investing, and why you should be paying attention to Latin America.

Why is Fintech so Important in Latin America?

Until 2016, less than half the population of Latin America had access to a bank account or debit card. Even fewer people had access to credit. In a region where micro, small, and medium enterprises (MSMEs) make up 99% of the private sector, financial inclusion for individuals and small businesses continues to be a significant challenge for economic development.

Despite being challenging to access, Latin America’s banking sector is relatively strong and profitable compared to the rest of the world. During the 2008 recession, Latin American economies were surprisingly resilient, growing around 3.8% in 2010, after a mere 2% contraction in 2009.

In comparison, exports in the US and Europe shrank by 10% in 2009, and did not bounce back for several years. This strength was bolstered by Latin America’s banking sector, which financed loan growth from domestic sources, avoiding the toxic investments that were crippling banks in the U.S.

Nonetheless, a 2016 study found that Latin American MSMEs are less competitive than their counterparts worldwide, in part because of a US$210 – $240B deficit in financing options. Across the region, small businesses struggle to grow because access to credit continues to be a highly formalized and bureaucratic process that excludes many business-owners. Since these enterprises employ at least 67% of the population regionally, the need for widespread financial inclusion is pressing.

Fortunately, in the past decade, access to technology and the Internet has changed how Latin America does business. Opportunities have surfaced to provide financial services to MSMEs and individuals that fall outside of the traditional banking systems.

By 2018, almost 50% of Latin Americans will have access to a smartphone. While mobile banking has long been accessible in places like Kenya, Latin America has also become a front for new technologies that increase access to financial services for all.

Opportunities in Latin American Fintech

A recent report by Finnovista and the Inter-American Development Bank (IADB) found a total of 703 fintech startups in Latin America, over 50% of which were launched between 2014 and 2016. This sector received over US$186M in venture capital funding last year, and one-third of that went to startups.

It is clear that Latin America is at the forefront of a fintech revolution, with recent improvements in access to Internet and technology driving this boom.

Diego Caicedo, CEO of Portal Finance, a Magma Partners portfolio company, recently published an article laying out the current trends in the Latin American fintech industry and where they are leading the region. Electronic invoicing and factoring, digital banking, smart contracts, blockchain technology, and digital authentication processes are all driving efforts toward more inclusive financial institutions in Latin America. Specifically, these technologies are helping lower the risk of providing credit or signing contracts with individuals without traditional measures of creditworthiness.

Here are a few of the most exciting Latin American fintech startups using these technologies:

Mexico

Kueski: A Mexican startup focused on providing small loans to middle-class individuals, which received US$35M in funding in 2016 in a round led by Variv Capital, Richmond Global Ventures, Rise Capital, and CrunchFund.

Clip: Latin America’s answer to Square, Clip simplifies cashless payments for small businesses. In 2016, General Atlantic made an undisclosed investment in Clip, after the startup had raised a US$8M Series A round led by Alta Ventures in 2015.

Konfio: An online lending platform for micro-business loans, Konfio is focused on extending lines of credit to MSMEs in Latin America by using an algorithm to measure creditworthiness for financially underserved people.

Other notable fintech startups in Mexico include: Bitso, Conekta, ComproPago, and Kiwi.

Colombia

Epayco: Founded in Medellin, Epayco provides e-commerce solutions to individuals and small businesses in Colombia. Think Venmo meets Square. Wayra invested US$50K in Epayco in 2016.

Portal Finance: Portal Finance helps SMEs find the most business-friendly terms from factoring companies. Portal Finance evaluates electronic invoices from companies and provides information to investors, which allows investors to make financing offers quickly and transparently. (Portal Finance is a Magma Partners portfolio company.)

Mesfix: Bogota-based Mesfix connects investors with SMEs that want to sell their invoices, allowing multiple funders to purchase part of a single invoice.

Other notable fintech startups in Colombia include: La Vaquinha, Prestamela, and Banlinea.

Chile

Cumplo: A Chilean crowdlending platform that connects companies applying for loans with networks of investors. Founded in 2012, Cumplo is certified as a B Corp and has helped raise over US$180M in loans.

FounderList: Latin America’s answer to AngelList. A crowdfunding platform that unites syndicates of private investors to finance startups across Latin America. (FounderList is a Magma Partners portfolio company)

QVO: An online payments system aimed to simplify transactions for small businesses.

Other notable Chilean fintech startups include: ComparaOnline, Flow, Finciero, and PuntoPagos.

Brazil

Nubank: A S?o Paulo-based startup that provides mobile banking and credit card options for Brazil’s unbanked population. Since its founding in 2013, Nubank has raised over US$377M with several rounds led by Goldman Sachs.

Creditas: Creditas is an online secured lending platform that is working to lower borrowing costs for Brazilians by increasing the efficiency of lending systems.

GuiaBolso: Brazil’s only personal finance platform that allows users to fully integrate their bank accounts. GuiaBolso currently has over 3.3 million users and has raised over US$67.2M in funding.

Other notable Brazilian fintech startups include: Triunfei, Verios, and Iugu.

Argentina

Afluenta: Currently, this Buenos Aires-based startup is the only marketplace lending company for individuals and SMEs with operations in more than one country in Latin America. It now operates in Argentina, Mexico, and Peru, with plans to expand to Colombia and Brazil.

Ripio: One of Latin America’s foremost blockchain payments companies, Ripio is helping make the Latin American financial system more accessible through blockchain technology.

Wayniloans: Founded in 2015, Wayniloans is a peer-to-peer lending platform that uses bitcoin to cut out the intermediary and simplify the loaning process.

Other notable fintech startups in Argentina include: SeSocio and ComparaenCasa.

These startups only scratch the surface of the movement that is growing in Latin America. While Mexico, Argentina, Colombia, Brazil, and Chile are leading the fintech revolution, these technologies are also popping up in Peru, Ecuador, and Paraguay, where the population is still highly underbanked.

Investments in Latin American Fintech

Following this wave of growth has been a rush of investment; 81% of venture capital deals in Latin America in 2016 involved fintech companies.

LAVCA pointed out that fintech companies received over US$186M in venture capital in 2016 and a majority of these rounds were led by syndicates of local investors, including VARIV Capital, Jaguar Ventures, FEMSA Comercio, KaszeK Ventures, Redpoint e.Ventures, Magma Partners and Valor Capital.

However, 2016 marked an inflection point in fintech investments, with more and more international firms paying attention to Latin American startups. In 2016, 26% of investments were made by partnerships between local and international venture capital firms.

QED Investors recently partnered with Scotiabank to create a platform that “will identify, invest, and promote the growth of innovative startups across the fintech spectrum that look to improve customer products and experiences in Latin America,” and Visa Brazil recently founded its own LatAm fintech accelerator to empower Latin American companies and help them grow.

Latin America’s fintech ecosystem used to be dominated by cross-border payments and processing solutions that helped bring US$74B of remittances into the region. But in the past five years, the fintech industry has finally moved forward. Smart contracts, electronic payments, and online lending companies are dramatically improving financial inclusion in Latin America, and this movement is just getting started.

Startups are providing individuals and MSMEs the resources they need to grow, which in turn has increased regional competitiveness and generated economic growth.


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