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又一家英国传统银行要试水数字银行业务

传统金融的互联网化国际资讯

又一家英国传统银行要试水数字银行业务

近些年来,在线借贷行业发展迅速,给传统银行带来了很大冲击。巴克莱银行、汇丰银行、劳埃德银行、苏格兰皇家银行(后文简称RBS)和桑坦德银行等英国五大银行相继关闭了不少实体分支机构。

而来自英国天空新闻的消息显示,RBS正在积极筹划建立一家独立的数字银行,与包括Monzo和Revolut在内的英国新兴金融科技巨头展开竞争。

据了解,该项目将由RBS前任首席执行官MAark Bailie亲自负责,并已经获得了数千万英镑的前期投资。平台建设还处于早期阶段,正式启动日期尚未确定,目前也还无法提供可供交易的贷款产品。

其实,此前RBS已经与包括Funding Circle在内的多家金融科技机构展开合作,通过自己的平台将需要贷款的用户引导到P2P或其他替代借贷机构。

从技术层面来说,创建一个新的在线贷款机构其实要比将数百个分支机构重新划归一个新品牌(Williams&Glyn)要简单的多。

此前,RBS曾希望通过两个单独协议将上述分割业务出售给桑坦德银行,但是最后却以失败告终。为此,RBS不得不向布鲁塞尔方面再次提交申请,希望采用其他替代方式解决这个问题。

如今的RBS银行已经摆脱了前任首席执行官留下的“泥潭”,而未来几周,剩下的最后一个障碍——因错误销售抵押贷款证券而被美国司法部罚款数十亿美元——也将得到解决。

 

The state-backed Royal Bank of Scotland (RBS) is working on secret plans to create a standalone digital bank to compete with emerging British fintech champions including Monzo and Revolut.

Sky News has learnt that RBS has assigned one of its top executives to the project, which is so confidential that few people inside the company are aware of its existence.

Sources said on Monday that the work is being led by Mark Bailie, the bank's former chief operating officer.

Tens of millions of pounds are already understood to have been earmarked for the new digital platform, which is still in its very early stages and may not result in a viable new lender coming to market, according to one insider.

News of the project comes weeks after RBS announced its first annual profit in the decade since it was bailed out with more than £45bn of taxpayer support.

RBS has already struck agreements with a number of leading fintech companies such as Funding Circle, with which it works to direct customers to peer-to-peer and other providers of alternative finance.

Mr Bailie's efforts to create a standalone digital bank is a tacit acknowledgement of the strides being made digital challengers such as Monzo, which announced on Monday that it had signed up 500,000 current account customers.

The financial advantages enjoyed by digital lenders are hastening the closure of high street branches - a subject which continues to draw political opprobrium from critics of Britain's five biggest lenders: Barclays, HSBC, Lloyds Banking Group, RBS and Santander UK.

Details of the RBS plan are sketchy and subject to change, with uncertainty about a potential launch date, its autonomy within RBS and the branding of the new venture.

In a statement issued to Sky News, an RBS spokeswoman said: "Our industry is changing rapidly and therefore we need to keep pace with this by launching new approaches to better serve our customers.

"We will not comment on media speculation, but we're focussed on using automation and technology to deliver a more efficient banking experience that better reflects the changing way our customers now bank."

Creating a new lender from scratch is likely to prove technologically much simpler for RBS than its ill-fated efforts to carve out hundreds of branches into a separate network which would have revived the Williams & Glyn name.

Those attempts, which involved two separate agreements to sell the business to Santander UK, collapsed, resulting in RBS having to secure approval from Brussels for an alternative plan to reduce its market share.

RBS has now overcome many of the legacy issues which have plagued it since the era of Fred Goodwin, its former chief executive, and it is expected to conclude the biggest remaining hurdle - a multibillion dollar fine from the US Department of Justice for mis-selling mortgage-backed securities - in the coming weeks.

As RBS's chief operating officer since April 2016, Mr Bailie played a pivotal role in the conclusion of its winding down of RBS Capital Resolution, the so-called 'bad bank' set up after its bailout.

Prior to that, he was in charge of its Non-Core Solutions unit, and has also worked at Barclays.

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