最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化全新的互联网金融模式国际资讯

顶级风投公司眼中的金融科技三大潜力空间

传统金融的互联网化全新的互联网金融模式国际资讯

顶级风投公司眼中的金融科技三大潜力空间

过去几年,金融科技创业公司获得的风险投资不断增长,从2010年的19亿美元增加到2017年的275亿美元。虽然贷款和移动支付钱包等一些金融科技趋势已经逐渐消失,但其他一些趋势正呈现出上升势头。

房地产

房地产技术是一个热门领域。贝恩资本风险投资公司负责人Merritt Hummer在波士顿举行的福布斯30岁以下30强峰会上主持了有关金融科技趋势的演讲,他指出,"在过去的12-18个月里,房地产技术相关的投资基金已经出现。" Brookfield等大型房地产开发商也已经推出了战略风险基金。今年夏天,已运行两年的风险投资公司Fifth Wall正在计划筹集价值4亿美元的房地产技术基金。

旧金山创业公司、在线房屋交易平台Opendoor最近以超过20亿美元的估值筹集了4亿美元。Cadre和PeerStreet等创业公司也已创建便于投资房地产的平台。其他公司也在在线查看房屋和更快地获得抵押贷款方面为顾客提供新的选择。

保险技术

保险技术这一类别正在不断发展。关注金融科技的风险投资公司Oak HC / FT的普通合伙人Patricia Kemp在福布斯30岁以下30强峰会上表示,"一般的概念是,技术堆栈已有几十年历史,需要更新支付技术和基础设施。"

Oak投资了北加州的创业公司Trov以及Clara Analytics公司,前者可以提供按需保险服务,后者使用人工智能帮助保险公司更有效地管理和优先处理索赔。提供租赁保险的金融科技公司Lemonade正在不断发展壮大。

区块链技术在保险转型方面会发挥重要作用吗?例如,可编程的"智能合约"能否更有效地自动完成将保险赔付?Kemp表示,保险可以成为区块链的"绝妙用例"。"但保险70%的成本都花费在文件来来回回上了。因此,还是在基础工作方面开展创新,再来说智能合约之类的东西吧。" 她补充说。

纸质文件主导的产业

从更广义的层面看,仍由纸质文件主导的金融服务研究领域还有很多机会。General Catalyst合伙人Matt Brennan表示,"一家需要支付账单的公司,一半支付都是使用纸质支票完成的。要把这一切都整合到一个点上,真的很需要开动脑筋,信不信由你。"

Venture capital funding for fintech startups has ballooned over the past several years, rising from $1.9 billion in 2010 to $27.5 billion in 2017. While some fintech trends like lending and mobile payment wallets have fizzled out, others are on the upswing.

Real Estate

Real estate tech is a hot sector. “In the past 12 to 18 months, real estate tech-focused investment funds have emerged,” said Merritt Hummer, a principal at Bain Capital Ventures who moderated a talk on fintech trends at Forbes' 30 Under 30 Summit in Boston. Big real estate developers like Brookfield have launched strategic venture funds. As of this summer, two-year-old VC firm Fifth Wall was aiming to raise a $400 million fund for real estate tech.

Opendoor, the San Francisco startup that lets people buy homes online, recently raised $400 million at a valuation above $2 billion. Startups like Cadre and PeerStreet have built platforms that make it easier to invest in real estate. And other companies are offering new options for viewing homes online and getting mortgages more quickly.

Insuretech

Insuretech is a growing category. “The general concept is, your technology stack is decades old, and the payment technology and infrastructure need to be updated,” said Patricia Kemp, a general partner at fintech-focused VC firm Oak HC/FT, at Forbes' 30 Under 30 Summit.

Oak has invested in Trov, a Northern California startup that provides on-demand insurance, and Clara Analytics, which uses artificial intelligence to help insurance providers more efficiently manage and prioritize claims. Lemonade, a fintech that offers rental insurance, has been expanding.

Will blockchain technology play a big role in transforming insurance? For example, could programmable “smart contracts” more efficiently automate insurance payouts for people making claims? Kemp said insurance could be a “terrific use case” for blockchain. “But 70% of the cost of insurance is moving the paper around,” she added. “So there’s all this innovation needed in just the basics before you even get to something like smart contracts.”

Paper-Dominated Industries

More broadly, studying areas of financial services that are still dominated by paper can uncover opportunities. “If you go into a company that pays bills, half of what they pay is by paper check,” said Matt Brennan, a partner at General Catalyst. “Getting that all into one spot can be pretty innovative, believe it or not.”


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