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英国P2P平台Zopa正式获得英国银行业务许可证

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

英国P2P平台Zopa正式获得英国银行业务许可证

昨日,英国著名P2P贷款平台Zopa宣布正式获得英国银行业务许可证。

从明年起,Zopa将推出一系列新产品,包括受到金融服务补偿计划(Financial Services Compensation Scheme)保护的定期储蓄产品,包含先进计费引擎的信用卡平台,以及一个开放式银行业务中心,让用户更好地掌控自己的财务账户。

上述所有产品都将登陆一个专门的技术平台,该平台由Zopa在伦敦和巴塞罗那的团队开发,与传统的银行系统有很多不同。

Zopa可以说是英国乃至全球P2P借贷领域的领军力量。自2005年推出以来,Zopa已经累计发放贷款超过37亿英镑,并在2017年实现了全年盈利。

两年前,Zopa决定进军银行市场,并成功融资6000万英镑,决意与Starling、Monzo和Atom等新兴数字银行平台展开竞争。

FCA调查显示,只有40%的英国成年人仍然对金融服务市场抱有信心。

而Zopa进一步的研究则显示,超过半数的英国成年人认为银行并不关注客户利益,近三分之一的被调查者则认为银行应该提高服务的公平性。

其实,目前Zopa已经获得了限制性银行执照,一旦符合监管机构在启动阶段设定的条件,有关部门将正式授予Zopa完整银行运营许可。

Zopa has received a UK banking license, paving the way for the peer-to-peer lending pioneer to launch a brand-new suite of financial products built on proprietary technology.

Zopa will begin rolling out its new products across next year, including a fixed term savings product protected by the Financial Services Compensation Scheme, a credit card platform including a state-of-the-art billing engine, and an Open Banking hub that will give customers a platform to control their finances.

All products are on a proprietary technology platform which has been built by a team of developers in London and Barcelona over the last two years and is "purposely different" from systems at traditional banks.

Zopa led the way in P2P lending, facilitating more than £3.7 billion in loans since its launch in 2005, achieving full year profitability in 2017.

Two years ago it decided to branch out into more traditional banking, joining the gaggle of digital challengers - including Starling, Monzo and Atom - to enter the UK market in recent years.

Having raised £60 million in funding, the firm argues that the reputation it has built up over the last decade puts it in a strong position to take advantage in a market where an FCA survey shows that only 40% of adults have confidence in the financial services industry.

Zopa’s own research reveals that over half of British adults don’t think their banks operate with customers’ best interests at heart, whilst nearly a third think their bank should provide a fairer service.

Currently, Zopa has a bank licence with restrictions and will be granted a full licence once it meets the conditions set by the regulators during a mobilisation phase.

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