最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯投融资

小米或将二度出手印度网贷平台市场

据知情人士透露,印度金融科技创企ZestMoney计划于近日完成新一轮2000万美元融资。目前,该平台还在与包括PayU在内的现有投资者进行投资洽谈。

而今天又有消息称,中国智能手机制造商小米也计划参与本次融资。

小米在线销售主管Raghu Reddy表示:“我们一直关注与我们的业务相辅相成的公司,或者是可以为我们提供可负担性和支付解决方案,或者提供可以成为我们设备良好内容的公司。”

据了解,目前小米和ZestMoney已经就为Mi.com客户提供EMI服务选项展开了合作。

ZestMoney:简单便捷的在线贷款

ZestMoney成立于2015年,总部位于班加罗尔,由Lizzie Chapman、Priya Sharma和Ashish Anantharaman共同创建,可实现即时开户和实时信贷审批,并同时提供数字化贷款服务和还款技术。此外,ZestMoney还提供注册和实时审批服务,并与电子商务结算流程相结合。

借助于广泛的替代数据,ZestMoney能够让更多的人获得贷款服务。

2015年9月,ZestMoney获得200万美元种子轮融资。而在2017年2月,ZestMoney又再次获得650万美元融资。

小米的印度市场版图计划

其实,这已经不是小米第一次对印度金融科技市场表示兴趣。就在2017年10月,小米还领投了KrazyBee的800万美元融资。而此外,小米计划在未来五年为100家印度初创公司投资10亿美元。

如今,印度已经成为小米继中国之后的第二大市场。而小米的产品种类也非常多样,除智能手机外,还包括智能手表、空气净化器和净水器等。

来自Inc42 DataLabs 2017年印度启动资金报告的数据显示,印度金融科技行业在2017年的111宗交易中获得了30.11亿美元的收入,遥遥领先于其他行业。根据印度科技启动资金第2018年第1季度报告,金融科技行业是印度融资规模最大的科技产业。

在如此巨大而有前途的市场中,小米计划投资ZestMoney的资金轮对公司来说似乎是一个明智的决定。然而,公司获利多少还值得我们继续关注。

Chinese smartphone manufacturer Xiaomi is reportedly planning to pick up a stake in Indian fintech startup ZestMoney in its latest funding round.

A report by ET quoted people familiar with the development to reveal that ZestMoney is also in talks to raise $20 Mn funding with participation from its existing investors including PayU. In this light, the companies have been talking about an investment which will enable closer integration between them to push sales on Mi.com.

Furthermore, Raghu Reddy, head of online sales for Xiaomi, said, “We will look at companies that complement our business, offer affordability and payment solutions, or offer good content that can be part of our devices. For example, in content we invested in Hungama.”

At present, Xiaomi and ZestMoney have already partnered for EMI options for Mi.com customers.

ZestMoney: Streamlining Faster Loans

Founded in 2015 by Lizzie Chapman, Priya Sharma, and Ashish Anantharaman, ZestMoney enables instant account opening and real-time credit approval, combined with digital loan servicing and repayments technology. The Bengaluru-based startup offers enrollment and real-time approval process, integrated with the ecommerce check-out.

It helps in power lending decisions based on alternative data sources, enabling lenders to reach a wider market, as well as make decisions quicker and without manual underwriting.The startup last raised $6.5 Mn funding in February 2017, after a $2 Mn round of seed funding in September 2015.

Xiaomi Exploring Indian Market

For Xiaomi, this will be the second investment in the Indian fintech space after leading $8 Mn funding round in KrazyBee in October 2017. Furthermore, Xiaomi had plans to invest $1 Bn in 100 Indian startups over the next five years.

India, today, is the second biggest market for Xiaomi after China, where Xiaomi is also selling other products such as smartwatches, air purifiers, water purifiers, etc.

In February, Xiaomi showcased Mi TV 4, announcing its foray into TV manufacturing in India. In the segment, ecommerce major Flipkart also unveiled its exclusive line of smart televisions under its private label MarQ, which will go on sale in May. Thus, beyond established brands like Sony, Xiaomi is facing competition with the likes of Flipkart.

In the smartphone segment, Xiaomi faces tough competition in its budget range with the likes of Oppo, Vivo, Samsung etc.

Earlier in December 2017, the CEO Lei Jun announced the company’s plans to launch products such as laptops, gaming consoles, computer accessories, lifestyle products and network equipment.

A NASSCOM report has earlier forecasted that the Indian fintech software market will touch $2.4 Bn by 2020, from the current $1.2 Bn.

Overall, as per Inc42 DataLabs Indian Startup Funding report 2017, the Indian fintech industry has received $3.01 Bn across 111 deals in 2017.And the sector continued to lead its growth, as according to Indian Tech Startup Funding Q1 2018 report, fintech as a sector witnessed highest funding.

In such huge and promising market, Xiaomi’s plans to invest in the funding round of ZestMoney seems like a wise decision for the company. However, how much it profits the company will be something to keep an eye on.

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