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澳大利亚首家数字银行Volt正式成立

本周,澳大利亚迎来了首家纯数字化银行——Volt。

Volt由前NAB和巴克莱执行官Steve Weston创立,目前已经累计融资1570万美元。公司共有35名员工,初期主要提供储蓄和交易账户、定期存款和外汇服务,而随着Volt获得正式银行业许可证,后期可能还会增加个人贷款、抵押贷款和信用卡服务,面部识别开户和资金管理功能工具等也将相继上线。

Volt获得的这个许可证叫作有限授权存款机构许可(Radi),上周才正式推出。

此前,澳大利亚银行市场主要由四大银行主导,而为了推动本国金融产业竞争、金融科技行业发展,澳大利亚政府决定积极进行监管改革。

除Volt外,一家名叫Xinja的住房贷款创企也成为了首批Radi许可的入选企业。

Australia is about to get a digital-only bank, after authorities granted a new type of licence to volt, a startup co-founded by former NAB and Barclays exec Steve Weston. Volt has become the first firm to be granted a restricted authorised deposit-taking institution (Radi) licence by the Australian Prudential Regulation Authority.

The new licence, which only launched last week, is designed to bring competition to a market dominated by four big players, enabling new entrants to carry out a limited range of activities for two years "while they build their capabilities and resources".

Volt, which has raised $15.7 million and has 35 staff, will initially offer savings and transaction accounts, term deposits and foreign exchange, before moving into personal loans, mortgages and credit cards as it transitions to a full licence.

A former head of mortgages at Barclays, co-founder Weston will act as volt CEO, promising to use state-of-the-art technology to offer a strong service and low fees. Customers will be able to tap facial recognition to open up accounts, while a slate of money management tools are in the offing.

"With no legacy systems and no branch infrastructure, we are starting from scratch and building a bank the way it should be," says Weston.

"We acknowledge we are at the start of our journey, but the trust between many Australians and their banks has been broken and the path to repair starts with new market entrants who are willing to do things differently."

Volt is expected to be just the first of a host of new challengers to enter the Australian market, as regulators encourage digital-first competition similar to that seen in the UK in recent years.

Among them is Xinja, which has already secured regulatory approval to start offering home loans and is now hoping to get a Radi licence.

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