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新加坡:亚洲金融科技产业的助推器

其他国际资讯

新加坡:亚洲金融科技产业的助推器

新加坡的金融科技项目正在蓬勃发展:2017年,该国金融科技融资近10亿美元,达到9.83亿美元。相比之下,香港同期金融科技融资总量仅为5.868亿美元。

2016年,新加坡首次在金融科技产业融资方面超过香港。那一年,新加坡以3.1亿美元的资金领先于香港,后者融资量为1.912亿美元。

而今年,新加坡继续保持着前进和领先优势:今年前六个月,新加坡金融科技融资额为8.381亿美元,相比之下,香港则为7080万美元。

就其他指标而言,新加坡人均国内生产总值(GDP)为52,960美元,基础设施强大,互联网接入能力出众。比如,新加坡境内拥有光纤基础设施,该国移动订阅渗透率超过100%,东盟简报指出这是“金融科技增长的关键因素”。

新加坡蓬勃发展的金融科技领域的创业公司之一是InstaReM。该公司旨在通过在线和移动平台破坏传统的跨境汇款业务。

InstaReM联合创始人兼首席执行官Prajit Nanu表示,

“新加坡拥有友好的金融科技监管框架,并且是我们向其他亚洲市场拓展的良好跳板。新加坡金融管理局(MAS)提供了响应性和前瞻性的监管方法,使有希望的金融科技创新得以发展和蓬勃发展。”

另一家总部位于新加坡的金融科技公司Silot寻求简化银行业务,使用人工智能(AI)来帮助银行、商家和消费者做出更好的预测、建议和决策。

Silot也发现新加坡是一个有吸引力的基地:

“我们决定在新加坡开始的主要原因之一是因为新加坡政府非常支持FinTech的创业和创新,”该公司在一份声明中表示。 “新加坡也是众多顶尖人才选择留下来并拥有友好税收制度的地方。”

除了现有的监管创新(如监管沙盒和FinTech MAS创新实验室),新加坡也是世界一流教育机构的所在地,同时能为企业家提供充足的物质和社会基础设施。

至于InstaReM,该国还“拥有一些东南亚最大的外籍和移民社区,他们是InstaReM的目标人群,”Nanu说。总之,Nanu指出“我们在新加坡建立InstaReM的决定得到了很好的回报。”

Singapore’s FinTech scene is booming: Funding for the burgeoning sector in the island country topped nearly a billion dollars in 2017, reaching $983.6 million that year. Hong Kong, by comparison, saw $596.8 million in funding for FinTechs at the time.

Singapore overtook Hong Kong in FinTech funding in 2016. In that year, Singapore pulled ahead of Hong Kong with $310.5 million in funding compared to Hong Kong’s $191.2 million. And Singapore is on pace to continue to beat Hong Kong in FinTech funding this year: In the first six months of this year, FinTech funding in Singapore had reportedly reached $838.1 million compared to Hong Kong’s $70.8 million.

In terms of other metrics, Singapore boasts a $52,960 gross domestic product (GDP) per capita, along with strong infrastructure and very good internet accessibility. More specifically, Singapore has fiber-optic infrastructure throughout its borders. In addition, the country’s mobile subscription penetration is over 100 percent, which ASEAN Briefing notes are “factors that are key for FinTech growth.”

Among the startups in Singapore’s burgeoning FinTech scene is InstaReM, which seeks to disrupt traditional cross-border remittances business with online and mobile platforms. The company moved to Singapore because the island country was ideally located between the East and the West— and is supportive of FinTech.

“Singapore has a FinTech-friendly regulatory framework and has been a good springboard for us to expand into other Asian markets,” InstaReM Co-founder & CEO Prajit Nanu told PYMNTS.com. “The Monetary Authority of Singapore (MAS) provides a responsive and forward-looking regulatory approach that enables promising FinTech innovations to develop and flourish.”

Another Singapore-based FinTech firm, Silot, seeks to streamline banking operations. To that end, Silot uses artificial intelligence (AI) in an effort to help banks, merchants and consumers to make better predictions, recommendations and decisions. Silot, too, found Singapore as an attractive base.

“One of the key reasons that we decided to start in Singapore is because [the] Singapore government is very supportive of FinTech startup and innovations,” the company said in a statement. “Singapore is also the place where numerous top talents chose to stay and with a friendly taxation system.”

The Singapore government offers regulatory initiatives such as the regulatory sandbox and FinTech MAS Innovation Lab, among others. The island country is also home to world-class educational institutions, along with physical and social infrastructure for entrepreneurs.

As for InstaReM, the country also “has some of the largest expatriate and migrant communities in Southeast Asia, who are InstaReM’s target demographic,” Nanu said. In all, Nanu noted that “our decision to base InstaReM in Singapore has paid off well.”


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