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

柏林有哪些炙手可热的金融科技创企?

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

柏林有哪些炙手可热的金融科技创企?

在如今的欧洲金融科技市场,德国柏林正日渐成长为新一个地区产业中心,同时覆盖银行、支付、借贷和保险等多个领域。

在今天的这篇文章中,我们就为您简单介绍几家柏林的金融科技和保险科技创企。

N26

成立于2013年的N26是一家德国的新生代银行并且是欧洲成长速度最快的银行之一。其客户包括公司和个人,基数多达100多万,分布于17个欧洲市场。N26计划于2018年进入英国市场,2019年进入美国市场。

该公司与Fintech企业和传统金融公司合作向其客户提供最佳产品。N26目前融资2亿1500万美元,是德国资金最为充足的Fintech公司之一。

Smava

Smava是一家贷款门户网站,其宗旨就是向客户提供透明、公正和可负担的个人贷款。基于数字流程,Smava向顾客呈现25家银行的70个贷款产品。截止2018年1月,Smava平台上已产生了30亿美元的贷款。

截至目前,该公司已筹集1亿3500万美元。虽然他们没有披露估值,但据说在1月最新一轮筹资后估值3亿美元左右。Smava去年已开始盈利,是德国最大Fintech企业之一。

Raisin

Raisin是一家在欧洲境内提供储蓄和投资平台的fintech创企,提供德语、发育、西班牙语和奥地利语等本体化平台。用户就可以比较整个欧洲的利率。2月,Raisin上线了一个专门英国的网站,储户因为可以使用英镑账户;8月又上线了专门德国的网站。

Raisin目前用户超过15万,筹集超过6000万欧元,投资者包括Index Ventures和Ribbit Capital。

Solaris Bank

Solaris Bank平台拥有完全银行执照,可以提供自己的金融产品。通过API,用户可以获得该公司模块式服务,保留支付和数字钱包、借贷、数字银行和由内置第三方提供的服务。

SolarisBank总部在柏林,成立于2016年,目前已筹集9500万欧元,投资者不乏著名公司包括BBVA, Visa, Lakestar, ABN AMRO's Digital Impact Fund, Arvato Financial Solutions, SBI Group和Finleap。

Kontist

Kontist是一家提供自动化公司银行账户的Fintech创企,它的账户附带实时计税、自动记账和一张聚焦支出管理的万事达卡。

Kontist账户会自动从收益中留出应交收入税和增值税,并存在一个虚拟子账户中。这确保公司所有者看到应缴税额时太惊讶。Kontist还真整合了会计系统。

该公司正式成立于2016年,并在随后的种子轮融资中获得200万欧元。

Penta

Penta是一家成立于2016年的德国创企,目标是为创业者提供便利。他们专向创企和中小企业提供数字银行账户。这个账户可以满足小型企业的所有银行需求,并且创始人几分钟就可以注册开户一个免费的公司银行账户。Penta的服务基于"银行作为平台"的SolarisBank。

6月,Penta新增了一个功能"团队通道",企业主可以向需要代表公司购买物品的员工发放多张万事达卡。Crunchbase数据显示,Penta在2月的种子轮融资中筹集了200万欧元。

Crosslend

Crosslend成立于2014年,是一家通过资本市场结构专于弹性再融资的B2B借贷平台。Crosslend通过与一家银行合作还提供跨境信贷中介。该公司致力于推动全球借款、投资和金钱交易。

最近Crosslend筹集了1400万欧元,该轮投资轮由Earlybird风险资本和ABN AMRO的数字影响基金(DIF)领头。除投资外,CrossLend与SolarisBank和ABN AMRO还建立了战略合作关系。

Billie

Billie成立于2016年,是一家提供完全自动化发票融资的平台。他们致力于"改革小型企业融资"情况。作为一个基于大数据、分析、全数字化流程和高度可规模化一流技术平台,Billie让小企业能够快速简便地获得资本。

Billie获得了德国金融市场监管机构的执照,自2017年6月起服务于中小型企业。2017年13月,Billie在A轮融资轮中筹集了1000万欧元。

Clark

Clark是一家成立于2015年的保险科技公司,提供"保险机器人顾问"服务,旨在为客户寻找到最适合他们需求的保险产品并且帮助他们数字化管理自己买的保险。

使用该平台的机器人顾问,用户可以获得关于保险合同的评估和个性化保险推荐。Clark称现在德国的1000多万银行客户可以通过他们合作的银行获得他们提供的数字保险服务。

自2015年7月成立以来,Clark现在数字保险服务的客户已接近10万。现在该公司所管理的合同价值总额达3亿1000万美元。

Coya

Coya成立于2016年,创始人是经验丰富的创业者。Coya是一家保险科技公司,旨在颠覆保险行业。他们直接和消费者接触,并且利用人工智能提供可规模化、个性化的保险服务。该公司旨在完全数字化保险业。

Coya今年晚些时候获得德国金融监管机构统一后将正式上线运营。一开始会提供租户保险服务,后计划扩展至地产、意外、个人责任和个人财务保险。

Coya已从Peter Thief支持的投资公司Valar Ventures、eVentures、La Famiglia和几个天使投资者那获得了4000万美元的投资。

Berlin, Germany’s largest fintech hub, is rapidly making a name for itself in the European fintech space. Today, the city hosts some of the region’s most exciting, fast-growing fintech ventures. These cover all aspects of financial services, from banking and payments, to lending and insurance, and are quickly expanding across Europe.

The followings are ten of Berlin’s most exciting fintech startups right now:

N26

n26Launched in 2013, N26 is a German neo-bank and one of the fastest growing banks in Europe. It serves more than 1 million customers, both businesses and individuals, across 17 European markets, and intends to enter the UK market in 2018 and the US market in 2019.

The company partners with fintechs and traditional financial companies to offer its customers best-in-class products such as TransferWise (foreign exchange), Raisin (savings), Clark and Allianz (insurance), auxmoney (credit) and others.

N26 has raised US$215 million in funding so far, and is one of the most well-funded fintech companies in Germany.

Smava

Smava is a loan portal that aims to make personal loans transparent, fair and affordable for consumers. Based on digital processes, Smava provides a market overview of 70 loan offers from 25 banks. As of January 2018, Smava had originated over US$3 billion in loans through its platform since inception.

To date, the company has raised around US$135 million, and while the startup is not disclosing a valuation, according to sources, it is around US$300 million with its latest round in January. Smava has been profitable for the last year, and is said to be one of the largest fintech businesses in Germany.

Raisin

Raisin is a fintech startup providing savings and investments marketplaces across Europe. The company operates several localized platforms for the German, French, Spanish, and Austrian markets, and more. These allow savers to shop and compare rates European-wide. In February, it launched a dedicated UK site, enabling savers to access deposit accounts in GBP, and another platform dedicated to the Dutch market in August.

Raisin has more than 150,000 customers and has raised over EUR 60 million in funding from investors that include Index Ventures and Ribbit Capital.

SolarisBank

solarisBankSolarisBank is a platform with a full banking license which enables companies to offer their own financial products. Through APIs, partners gain access to SolarisBank’s modular services including payments and e-money, lending, digital banking as well as services provided by integrated third party providers.

The Berlin-based company was founded in 2016 and has raised more than EUR 95 million from renowned investors, including BBVA, Visa, Lakestar, ABN AMRO’s Digital Impact Fund, Arvato Financial Solutions, SBI Group and Finleap.

Kontist

KontistKontist is a fintech startup that offers an automated business bank account with real-time tax calculation, automated bookkeeping and an expense management-minded Mastercard.

The account automatically sets aside income tax and value-added tax on revenues and stores them in virtual sub-accounts, to ensure business owners are never surprised by a tax payment. Kontist also integrates with accounting systems.

Officially founded in 2016, the Berlin-based startup already secured more than EUR 2 million in seed funding.

Penta

PentaPenta is a Berlin-based startup founded in 2016 with the goal to make the lives of founders easier. The company offers a digital bank account targeted at startups and SMEs. The offering is designed to meet all of the banking needs of small businesses, and enables founders to open a free business bank account online in minutes. Penta runs on top of banking-as-a-platform SolarisBank.

In June, the company launched a new feature called “Team Access,” which lets business owners issue multiple Mastercards to employees who need to make purchases on a company’s behalf. Penta raised EUR 2 million in seed funding in February, according to Crunchbase.

CrossLend

CrosslendLaunched in 2014, CrossLend is a B2B marketplace lending platform that specializes in flexible refinancing via a capital market structure. CrossLend also offers cross-border credit intermediation through cooperation with a partner bank. The company aims to facilitate the borrowing, investing, and trading of money across the globe.

Recently, the company raised EUR 14 million in a funding round led by Earlybird Venture Capital and ABN AMRO’s Digital Impact Fund (DIF) to fuel growth. Besides the investment, CrossLend has also entered into strategic partnerships with SolarisBank and ABN AMRO.

Billie

BillieFounded in 2016, Billie offers a fully automated invoice financing platform that aims to “revolutionize small business financing.” Based on big data analytics, fully digitalized processes and a highly scalable state of the art tech platform, the company offers a simple and fast way for small businesses to access capital.

Billie is licensed by BaFin, the German financial market regulator, and has been serving SMEs since June 2017. It raised a EUR 10 million Series A funding round in December 2017.

Clark

Clark is an insurtech startup founded in 2015 that offers an “insurance robo-advisor” designed to find the best suited insurance products for customers’ needs and manage their insurance portfolios digitally.

Utilizing its innovative robo-technology, customers receive an assessment of their contracts as well as personalized insurance optimizations. The company claims over 10 million bank customers in Germany now have access to the digital insurance services of Clark via partnerships.

Since its founding in July 2015, Clark has acquired close to 100,000 customers for its digital insurance services. Today, the company manages US$310 million in contract volume.

Coya

Founded in 2016 by startup veterans, Coya is a new insurtech player that aims to shake up the insurance world. Working directly with consumers and harnessing artificial intelligence to provide scalable, customizable cover, the company aims to fully digitize the insurance business.

Coya is expected to launch later this year when the firm receives approval from the German financial regulator. The company will start with a renter’s insurance service but plans to expand to insurance products across property, accident, personal liability and personal finance.

Coya has already raised a total of US$40 million for its service from investors including Valar Ventures, the Peter Thiel-backed investment firm, eVentures, La Famiglia and several angel investors.


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