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Lend Academy:2018年金融科技六大发展趋势

国际资讯

Lend Academy:2018年金融科技六大发展趋势

[编者按:本文作者Alexander Prokhorov是FinSight Ventures的管理合伙人和共同创始人,专注于金融科技和企业软件领域,在直接投资和金融服务方面拥有16年多的从业经验,曾先后对LendingClub、点融、FinanceIt和Earnest等金融科技创企进行过早期投资。]

在过去的三年里,Finsight已经在世界各地投资了十几家金融科技公司。对于2018年的金融科技产业走向,我认为以下几个方面值得引起大家关注:

软件和金融产品的融合

Square给市场带来的最大经验就是,只有将软件解决方案(忠诚度、PoS、分析、预估等等)和贷款服务绑定才能推动支付处理量大规模增长。所以说,未来的成功贷款成品和支付解决方案必须要与其他软件产品捆绑在一起。 Finsight最近投资了一家名为DailyPay的创企,该公司旨在帮助美国超过7000万名小时工能够及时获得自己的工酬。 从2018年起,欧洲的PSD2监管条例将推动银行通过API将消费者和企业账户信息开放给第三方公司。例如,消费者可以指示金融科技公司直接从他们的银行账户支付水电费。这一步发展非常重要,因为这意味着将银行数据和资金管理的权力转移回消费者和企业,促进软件和金融产品进一步融合。

保险科技

可以说,技术帮助我们提高了保险业整体流程效率,降低了后台成本,去除了中间商环节,促进了与客户的移动实时互动,同时激发了保险企业对产品和定价的新见解。

除了原有的在线分销外,保险行业还将继续在新产品开发方面有所作为(比如MetroMile和Lemonade)。

来自CB Insights的数据显示,2019年美国80%以上的SMB保险产品将继续通过线下渠道进行分销。

机器的力量

人工智能和机器学习正在改变许多行业,其中就包括金融服务。LendingClub等公司正在使用机器来发现新的关系和模式,向客户介绍更多量身定制的财务报价。 Finsight最近投资了SBDA集团,该集团分析了消费者银行中发现的交易数据,并为更有效地交叉销售其他产品提供建议。

新兴经济体

非洲、亚洲和拉丁美洲的许多成长型公司正在开发和采用金融解决方案,通常比发达经济体更快,创新更多。

比如去年支付宝和微信处理了近3万亿美元的支付交易,而2012年这个数字还只有800亿。

再比如,去年12月,肯尼亚科技贷款公司在Google Play商店中的排名甚至比Facebook和Instagram这样的科技巨头还要高。

财富管理

服务顾问的工具可以更好帮助我们刚好地了解不同的资产类别、决策、交易策略和数字数据。如今,Wealthfront、Betterment和Nutmeg等独立机构顾问已经变得越来越为人所知,而随着技术的不断推陈出新和财务建议的交付,未来市场应该还会出现新的财富管理领军企业。

比如据Crunchbase统计,金融科技创企Acorns已经累计拥有了超过200万个帐户。

加密技术与区块链的崛起

2018年起,全球将会有越来越多的散户投资者开始使用加密资产,也会有越来越多的机构资本涌入这一市场。与此同时,软件公司、大型企业和政府也越来越多地采用由分布式账本技术提供支持的应用程序。

据《纽约时报》报道,2017年11月,Coinbase有时每天开立超过10万个账户,目前该平台账户总数已经突破1330万,比Etrade和Charles Schwab两家著名券商的用户账户数都要高。

2017年12月,著名华尔街传奇投资者Bill Miller宣布他管理的对冲基金中的一半资产是比特币。

综上所述,我们相信金融服务领域投资和创新必定会在2018年取得重大进展。

[Editor’s note: This is a guest post from Alexander Prokhorov. He is a managing partner and co-founder of FinSight Ventures, which focuses on fintech and enterprise software and was an early investor in LendingClub, DianRong, FinanceIt, and Earnest. He has more than 16 years of experience in direct investments and financial services.]

Over the past three years, Finsight has invested in close to a dozen fintech companies around the world, and we recently celebrated our fifth exit. As I consider the best places to put fresh capital to work, the following trends deserve attention:

Convergence of Software and Financial Products

One of the important lessons that Square taught the market is that bundles of software solutions (loyalty, POS, analytics, scheduling and many others) and lending are essential drivers in advancing growth of payment processing. Going forward, successful lending and payments solutions will need to be bundled with other software offerings. Finsight recently invested in DailyPay which integrates with payroll systems and is aiming to help more than 70 million hourly workers in the US get instant access to their wages. In 2018 in Europe, PSD2 regulation will drive banks to open access via APIs to consumer and business accounts to third party companies. For example, a consumer can direct a fintech company to pay utility bills directly from their bank account. This is a very important development, and one which shifts the power of bank data and management of funds back to consumers and businesses and will allow for further convergence of software and financial products.

InsureTech

The transformation of the insurance industry will continue its pace from online distribution, which disrupts offline distribution channels such as brokers (like Limelight and others), to the development of new products (like MetroMile and Lemonade).

According to CB Insights, in 2019, more than 80% of insurance products for SMB in the US will continue to be distributed through offline channels

Technology is bringing greater overall efficiencies, lowering costs to back office, disrupting intermediaries, promoting mobile real-time engagement with customers, and sparking new insights to product and pricing.

The Power of the Machines

Artificial intelligence and machine learning are transforming many industries, including financial services. Companies like LendingClub are using machines to discover new relationships and patterns to introduce more tailored financial offers to their customers. Finsight recently invested in SBDA Group, which analyzes transactional data found in consumer banks and helps to provide insights for more effective cross-selling of other products.

Elon Musk puts it this way: “The pace of progress in artificial intelligence (I’m not referring to narrow AI) is incredibly fast. Unless you have direct exposure to groups like Deepmind, you have no idea how fast – it is growing at a pace close to exponential.”

Emerging Economies

Many growing companies in Africa, Asia, and Latin America are developing and adopting financial solutions, often faster and with more innovation than in developed economies.

Last year, Alipay and WeChat processed nearly $3 trillion of payments, up from $80 billion in 2012

In Kenya last December, fintech lending companies like Branch and Tala ranked higher in the Google Play Store than Facebook and Instagram.

Wealth Management

Much has been said of standalone robo-advisors such as Wealthfront, Betterment and Nutmeg, but likely other leaders will emerge over time as technologies continue to empower and transform how financial advice is delivered. Currently, tools serving advisors are providing better access to different asset classes, decisioning, trading strategies, digital data.

Acorns services more than 2 million accounts, according to Crunchbase

Rise of Crypto and Blockchain

2018 will be the year of accelerated adoption by retail investors globally and the arrival of institutional capital to the crypto assets, further validating the notion of crypto as the “store of value” for the millenium. At the same time, software companies, corporations and governments are increasing adoption of applications powered by distributed ledgers.

The New York Times reported that in November 2017, Coinbase was sometimes opening more than 100,000 accounts per day, with total accounts for more than 13.3 million people, which is more than either Etrade or Charles Schwab

In December 2017, legendary Wall Street investor, Bill Miller, announced that half of the assets in the hedge fund he manages are in bitcoin

These six key fintech trends are at the forefront of our investment planning strategy going into 2018. I believe that based on what we’ve seen in 2017 and what is coming next, 2018 will be an exciting year to be investing and innovating in financial services.

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