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伦敦金融科技周落下帷幕,5大趋势值得关注

其他国际资讯

伦敦金融科技周落下帷幕,5大趋势值得关注

不久前,伦敦金融科技周刚刚落下帷幕。Xero随同新西兰代表团参与了本次峰会,通过参与相关讨论,Xero总结出了未来值得新西兰、澳大利亚等国注意和学习的5大金融科技产业发展趋势。

趋势1:提高银行和金融科技合作的水平

独自闭门造车的时代已经过去了。如今,大多数英国银行都有一个部门专注于与金融科技公司或专门为金融科技公司设计的加速器计划进行合作。比如,巴克莱集团在London Rise设置的Barclays Accelerator就是这样一个例子。

此外,得益于英国全新的开放式银行监管环境,该国又先后出现了多个银行与金融科技创企合作的案例,比如HSBC和Bud,ING的Yolt和Natwest以及Carphone Warehouse。

趋势2:开放式银行业务在全球范围内推广

今年1月,英国成为了全球首个大举进军开放式银行业的市场。开放式银行业务允许客户通过数字方式与第三方共享其银行数据。例如,客户可能希望与贷方分享他们的一些财务信息,以便获得资金。

监管机构领导英国的开放式银行业务,以鼓励更多市场竞争。最终目标是创建更多的服务选择,让消费者可以通过数字方式访问这些服务。根据规定,英国的银行必须拥有openAPI,以便能够以安全、通用和一致的格式与授权的第三方应用程序共享客户数据。

澳大利亚和新西兰政府目前正在评估如何开展开放式银行业务。比如,澳大利亚政府正在通过适当的数据共享模型。该国相关部门负责人Fafoii部长在最近的新西兰Payments新西兰会议上讨论了实施开放式银行业务并在银行间获得标准API的必要性。最近的美国财政部报告也支持开放式银行业务、设立金融科技公司监管章程和监管沙盒。

趋势3:针对中小企业的新Fintech服务,包括贷款和支付应用程序

开放式银行业务的核心优势之一是为小型企业提供新服务。据了解,目前英国共有570万中小企业,占英国私营企业的99.3%。他们雇用了1600万人,占所有营业额的47%。作为经济的核心部分,为他们的业务提供合适的工具非常重要。在伦敦金融科技周,我们了解到了许多新颖的与中小企业进行金融合作的模式,特别是在支付和贷款方面。

趋势4:伦敦数字银行和金融科技公司走向世界

伦敦可能是金融科技的核心,但整个世界都可以从他们提供的服务中受益。在英国有许多令人眼前一亮的新型数字银行。其中包括专注服务个人消费者的Monzo和Revolut,以及为小企业提供服务的Tide和Starling。 Revolut最近在全球拥有200万客户,他们最近宣布打算在9月份扩展到亚洲和新西兰。

其他公司如Go Cardless也处于扩张模式,该公司为小型企业提供简单的直接借记服务,并也将于近日登陆新西兰市场。

趋势5:Fintech共同工作空间的兴起

金融科技共同工作空间的激增在伦敦如雨后春笋般涌现,以支持银行创新,并推动伦敦成为金融科技的发源地。

Barclays AcceleratorRise London有一个为期13周的计划,该计划提供建议、支持和访问Barclay的技术,以便为初创企业构建Fintech解决方案。该项目就位于London Rise,而London Rise是欧洲最大的Fintech工作区。

Level 39经常被誉为伦敦最大的金融科技人才中心。它是一个由1,250名网络安全,、Fintech和零售技术领导者组成的社区,位于伦敦著名的金融中心——金丝雀码头。

Huckletree与伦敦的硅谷银行位于同一栋大楼内。通过与新西兰贸易和企业的密切合作,这是一个与金融科技以及新西兰紧密联系的共同工作空间。

 

London is the Fintech capital of the world, and Xero recently joined the Fintech New Zealand delegation at the London #fintechweek conference.  A number of key trends from the UK were discussed, with important implications for New Zealand as we move towards open banking.

Trend 1: Increasing levels of bank and Fintech partnering

Gone are the days of the ‘go it alone’ mentality.  Most UK banks now have a division focused on partnering with Fintechs (financial technology companies) or an accelerator programme designed specifically for Fintech companies. An example of this is the Barclays Accelerator programme for Fintech start-ups, based at Rise London.

There are many bank and Fintech partnerships, and other applications of open banking coming out of the woodwork as a result of new open banking regulation in the UK. These include HSBC and Bud, ING’s Yolt and Natwest and Carphone Warehouse.

Trend 2: Open banking rolling out around the world and taking UK learnings to date

The UK is the first market to have made the bold foray into the world of open banking this January. Open banking allows a customer to share their data from their bank digitally with a third party. For example, a customer might wish to share some of their financial information with a lender, in order to access capital.

Open banking in the UK was led by the regulator to encourage more competition in the market. The ultimate aim is to create a greater choice of services that consumers can access digitally. Banks in the UK are required to have an openAPI so that customer data can be shared with authorised third-party applications in a secure, common and consistent format.

The Australian and New Zealand governments are currently assessing how to approach open banking. The government in Australia is working through the appropriate model for data sharing.  Minister Fafoii, at the most recent Payments NZ conference in New Zealand, discussed the need to implement open banking and get standard APIs across banks. A recent US Treasury report also backs open banking, a Fintech charter and sandboxes.

Further information on open banking in the UK can be found here at the Xero UK Open Banking Knowledge Hub,

Trend 3: New Fintech Services for SMBs, including lending and payments applications

One of the core benefits of open banking is the offering of new services for small businesses. Through the Xero Ecosystem, we see an increasing use of Fintech products and services by small businesses.  There are 5.7m SMBs which make up 99.3% of private businesses in the UK. They employ 16 million people and account for 47% of all turnover. Being such a core part of the economy, it’s important to provide them with the right tools for their business.  At London Fintech Week, we saw lots of bright people thinking about how they engage with SMBs, particularly in regard to payments and lending.

On the lending front, companies such as Iwoca and Market Invoice can access the Xero API, and with a customer’s permission they are pulling out information to make small business lending decisions quickly and digitally.

Trend 4: London digital banks and Fintechs looking beyond the UK’s borders

London may be the heart of Fintech, but the whole world can benefit from the services they provide. There have been lots of exciting new digital banks setting up in the UK. These include Monzo and Revolut on the consumer side, and Tide and Starling to serve small business. Revolut, who have 2 million customers globally, recently announced their intention to expand into Asia and New Zealand in September. This will be the first digital bank to hit our shores.

Other companies, such as Go Cardless, are also in expansion mode. Go Cardless provides easy direct debit services to small business which seamlessly integrates with Xero. They will also be coming to New Zealand soon, giving companies which process direct debits the ability to do so seamlessly within the Xero product.

Trend 5: The rise of Fintech co-working spaces

A proliferation of Fintech co-working spaces have sprung up in London to support bank innovation and to promote London as the home of Fintech.

Barclays Accelerator and Rise London has a 13 week programme which provides advice, support and access to Barclay’s technology in order to build out Fintech solutions for start-ups. They are based at Rise London, Europe’s largest workspace dedicated to Fintech.

Level 39 is often touted as the biggest hub of fintech talent in London. It is a community of 1,250 leaders in cybersecurity, FIntech and Retail Tech, based in Canary Wharf.

Huckletree is co-located in the same building as Silicon Valley Bank in London. This is a co-working space with strong ties to Fintech, and also to New Zealand, through strong engagement with New Zealand Trade and Enterprise.

At Xero, we will be opening a new Fintech Focused Co-working space in Auckland come November, called Re-Wired.

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