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加速并购,高盛力推Marcus数字平台发展

传统金融的互联网化国际资讯

加速并购,高盛力推Marcus数字平台发展

2016年,高盛推出了自有品牌的数字信贷平台Marcus。

近两年来,为了推动Marcus平台进一步发展,高盛采取了多项收购并购举措。

据了解,高盛在收购公司主要出于三方面考虑:

客户:高盛收购GE Capital银行是为了获得他们的客户和160亿美元的储蓄资金。这些客户是GS银行的基础,成立不久后就被纳入Marcus品牌旗下。

人才:收购雇佣战略为高盛带来了60多名有着工程、产品管理、风险、营销和领导背景的金融科技领域专业员工。今年1月,高盛通过收购获得了信用卡创企Final的团队。这支团队将帮助高盛打造猜测已久的苹果联名信用卡。

产品:收购Clarity Money是为了其个人财富管理工具,让之成为Marcus移动端入口。未来,高盛计划重建Clarity Money并将之整合进Marcus app中。

斩获数字人才是所有银行的首要事项,因为他们力争引入更多科技元素。高盛通过收购获得外部一流人才并将他们融入已有团队,凭此加速Marcus的科技进程。

这一战略为Marcus头两年的成功贡献了不小的力量。截至目前,Marcus已有150多万客户,存款260亿美元,总计发放贷款40亿美元。

Goldman Sachs introduced Marcus — its digital consumer bank — in October 2016. While Marcus is being developed in-house, Goldman has been active in M&A deals to strengthen its consumer bank.

Goldman Sachs’ M&A strategy has been to target consumer fintechs and acquire engineering and product teams to onboard into Marcus. According to Harit Talwar, Head of Marcus, “deals are usually as much about bringing in good talent as well as the product themselves.”

Goldman expedited Marcus’ growth by acquiring companies for three general reasons:

Customers: Goldman Sachs acquired GE Capital Bank to attain its customers and their $16B in deposits. These customers helped establish GS Bank, which soon after re-branded into Marcus.

Acqui-hire: Through Goldman’s acqui-hires, the bank has brought in 60+ consumer fintech-focused employees with backgrounds in engineers, product management, risk, marketing, and C-suite leadership. In January, Goldman acquired the team behind credit card startup, Final, which is expected to help build the bank’s highly-anticipated Apple-branded credit card.

Product: In the case of Clarity Money, Goldman acquired the personal financial management tool to serve as a mobile storefront for Marcus. In the future, Goldman plans to re-brand Clarity Money into Marcus, and integrate products into the app.

Acquiring digital talent has been a top priority for all banks as they strive to become more tech oriented. For Marcus, Goldman has been able to accelerate this process by acquiring strong outside talent, and integrating them into its existing team.

This strategy has played a role in Marcus’ viral success in its first two years. To date, Marcus has attained over 1.5M customers — accruing $26B in deposits and $4B in total loans originated.

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