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Yoco:非洲金融科技值得关注的一颗新星

国际资讯

Yoco:非洲金融科技值得关注的一颗新星

对许多人来说,银行卡终端无处不在。但据报道,尽管南非消费者拥有银行卡的比例达到了75%,接受银行卡付款的南非企业却只有7%。

支付创业公司Yoco拥有 2.7万家登记在册的公司用户,并希望通过自己的努力推动南非的中小企业升级。有消息称,目前Yoco已经筹集了1600万美元,由风投公司Partech领投。

以M-Pesa等开创性的移动支付为代表,非洲代表了金融科技领域的"下一个"新前沿,特别是在支付方面。据报道,整个非洲大陆的消费支出超过1.4万亿美元,小企业数量超过100万,这些都是Yoco的潜在服务对象。

但是,创新路上并不是只有Yoco,南非中央银行也参与了区块链相关的支付创新。Khokha项目本周获得了来自全球中央银行论坛Central Banking的Best Distributed Ledger Initiative奖,该项目是架设在银行之间的基于以太坊的DLT系统,用于大额支付系统。

对区块链测试的开放态度可能是数字货币进一步发展的信号。 虽然津巴布韦试图禁止加密货币交易,但南非似乎采取了更为宽松的做法。据报道,几个月前约翰内斯堡安装了第一台加密货币ATM。

非洲接下来将怎样发展?感兴趣的人可以关注以下初创公司:

MaTontine :该创业公司对唐提式养老金制这一历史悠久的公共储蓄团体的做法进行了数字化。唐提式养老金制是17世纪出现的一种投资计划,结合了年金和彩票的特点。

Piggybank.ng: 这是一个简单的储蓄应用程序,用户可以锁定全部或部分储蓄,并获得即时预付利息。

Numidia:这是一个无担保的贷款应用程序,其专利算法可以合并对现金流和财务行为数据的洞察,以确定信用可靠性。

非洲金融科技发展空间巨大,许多思路可能会以全新方式颠覆西方现有模式。南非在许多方面都是"微金融科技"的领导者,随着千禧一代接受微观投资和分数化金融科技产品,这一趋势在越来越多的发达国家发展迅速。要学习的还有很多。

For many of us in the west, card terminals are ubiquitous. But in South Africa, only 7% of businesses are ready to accept card payments, despite a card penetration rate amongst consumers of 75%, according to reports.

With 27,000 merchants already on its books, payments startup Yoco looks set to upgrade SMEs across South Africa, with news the business has raised $16M, led by venture fund Partech.

Most famous for pioneering mobile payments in the likes of M-Pesa, Africa represents a new ‘next’ frontier for fintechs, especially on the payments front. Consumer spending is reported to be over $1.4 trillion across the continent, and over 1 million small businesses exist, that could be addressed by services like Yoco.

But it isn’t just Yoco innovating. Even the central bank is in on the payments innovation game – the blockchain one. Project Khokha, an Ethereum based DLT system between participating banks for a wholesale payments system picked up an award this week for Best Distributed Ledger Initiative, from Central Banking, a global central banking forum.

This openness to testing blockchain could be a sign of further digital currency developments in the works. While Zimbabwe has attempted to ban cryptocurrency trading, South Africa seems to be taking a more lenient approach. A few months back the first cryptocurrency ATM was reported to have been installed in Johannesburg.

Where to next for Africa? Well, for those interested in the space, keeping tabs on these startups is probably worthwhile:

MaTontine – The startup digitizes a centuries old practice of communal savings groups, called tontines. A tontine is an investment plan devised in the 17th century that combines features of an annuity and a lottery.

Piggybank.ng – a simple savings app with a feature that allows you to lock all or parts of your savings up and receive instant upfront interest.

Numidia – an unsecured lending app who’s proprietary algorithm merges cash flow and financial behavioural data insights to determine credit-worthiness.

There is plenty of scope for fintech growth in Africa, and many ideas that may have reverse applicability in transformed ways back in the West. The country is the leader in ‘microfintech’ in many respects, a trend that is growing in more developed countries as millennials adopt microinvesting and fractionalized fintech offerings. Lot’s to learn indeed.


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