最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

亚洲觉醒为国际金融科技创企创造多重商机

国际资讯基于互联网平台的金融业务

亚洲觉醒为国际金融科技创企创造多重商机

随着亚洲金融技术的逐渐落地,需求不断增长,给以色列金融技术公司发展壮大创造了机会。

近日,香港金融科技周会议展台政府宣传册显示,目前以色列金融科技公司超过500家,形成了一个充满活力的产业。

AU10TIX就是这样一家以色列公司,专门从事高速司法鉴定,例如,当客户开设金融账户并在线提交身份证明文件时,就会涉及到该公司的业务。

在国家安全需求的驱动下得到政府支持的、军用为基础的技术进步,生机勃勃的创业公司,以及将商业失败看作一种学习机会的文化接受,这些因素都推动了以色列金融科技的发展。

同时,880万的较小人口基数意味着国内市场规模有限,探索发展国外业务至关重要,欧洲和美国在这一领域一直是传统强国。但现在亚洲经济不断发展,财务合规要求也不断提升,创造了新的机会。

以色列金融科技公司ThetaRay利用人工智能帮助银行和保险公司监测非法活动,其首席执行官Mark Gazit在香港会议上表示,"亚洲市场正在快速发展。现在即使是澳门的赌场也必须进行KYC监管",即"了解你的客户",全球根除犯罪融资的压力越来越大。

最大的挑战

新形式的银行和金融服务获得批准,也创造了新的机遇。

"对我们来说,香港是一个非常重要的目标市场,特别是现在,香港正在开放虚拟银行牌照市场,"Gazit表示,"作为一家公司,我们目前面临的最大挑战是应对客户的需求。"

以色列驻香港的经济和贸易代表团领事兼领事Ester Perets Burke表示,虽然未能掌握以色列在亚洲金融科技业务的确切数据,但今年以来以色列公司的问询和香港潜在客户的介绍请求让她应接不暇。

"可能是银行,也能是保险公司。他们前往以色列,他们会提前打电话给我们,让我们帮忙留意特定的技术。"Burke补充说,客户对安全和隐私领域很感兴趣。

谈及以色列的软件,Burke 表示,"这方面是我们的强项。"软件可以适用于支付、数据分析、网络安全和反洗钱等很多领域。

也是其他国家的避风港

技术见长的小国爱尔兰也正在亚洲寻找机会。

政府支持的种子投资者Enterprise Ireland拥有5000多家公司,其中200多家公司涉及金融科技,该集团亚太区金融服务和金融技术主管Mo Harvey表示,"亚洲可能是这些公司,特别是金融科技公司发展的第一大市场。"

Global Shares是其中一家公司,公司开发软件来管理员工股权补偿和奖励计划,并在销售时作为经纪人。

这家公司在亚洲快速发展,将日本的瑞穗银行(Mizuho)、中国的商汤科技(SenseTime)以及中国大陆和中国香港的麦当劳都视为客户。

Global Shares香港总经理Dara Murphy表示,"这是一个不断发展的领域,所有新技术公司都这一领域发展。所有快速发展的独角兽企业都在亚洲,都是科技公司,也是我们的目标客户。"

As Asia increasingly looks to implement financial technology, Israeli companies in the sector are enjoying growing demand in the region.

Hong Kong, a major global banking hub, is among the cities strengthening defenses against money-laundering and terrorist financing, which is bringing opportunities for technology companies. Israel, meanwhile, has developed a dynamic financial technology (fintech) sector, boasting more than 500 such companies, according to a government brochure available at its stand at last week's Hong Kong FinTech Week conference.

AU10TIX is one such Israeli company, specializing in high-speed forensic authentication, which can be used, for instance, when a customer opens a financial account and submits identification documents online.

"Asia woke up something like a year and a half ago," Ofer Friedman, AU10TIX vice president for marketing, said of increasing openness to such technology in markets like Japan, Singapore and Hong Kong. "Obviously, the opportunities are where governments let fintech flourish."

Government backing, military-based advances spurred by the country's security demands, a dynamic start-up scene and a cultural embrace of failure in business as a learning opportunity are all cited as contributing to Israel's fintech development.

A relatively small population of about 8.8 million, meanwhile, means a limited domestic market and makes seeking business abroad essential, with Europe and the United States the traditional mainstays.

But now Asia's growing economies and increasing financial compliance requirements are providing new opportunities.

"The market in Asia is growing enormously," Mark Gazit, CEO of Israel's ThetaRay, which uses artificial intelligence to help banks and insurance companies detect illicit activity, told CNBC at the Hong Kong conference.

"Now, even casinos in Macau have to do KYC regulation," Gazit said, referring to the acronym for "know your customer," part of growing global pressure to root out criminal financing.

'Biggest challenge'

Opportunities are also emerging as new forms of banking and financial services come under approval

"Hong Kong is a very important target market for us, especially now when they are opening the market to virtual banking licenses," Gazit said.

"Currently our biggest challenge as a company is to cope with the demand," he said.

Ester Perets Burke, consul and head of Israel's economic and trade mission in Hong Kong, said she had no exact figures on Israel's fintech presence in Asia, but since this year she has been "swamped" by inquiries from Israeli companies while also fielding requests from potential customers in Hong Kong for introductions.

"It can be a bank, it can be insurance companies. They go to Israel, they call me before, they say, 'Can you help scout a specific technology?'" Burke said, adding that a lot of the interest is in the area of security and privacy.

"It's something we are very strong in," Burke said of Israeli software, which she said is being applied to a wide array of areas such as payments, data analytics, cyber security and anti-money laundering.

A haven for other countries, too

Ireland is another small, tech-savvy country that is finding opportunities in Asia.

Government-backed seed investor Enterprise Ireland has a portfolio of more than 5,000 companies, with over 200 of them involved in fintech, according to Mo Harvey, head of financial services and financial technology in Asia Pacific for the group.

"We see Asia, genuinely, as probably the No. 1 market for growth for these companies, especially the fintech companies," Harvey said at Ireland's conference booth in Hong Kong.

One of those is Global Shares, which developed software to manage employee equity compensation and award plans and also serves as a broker when they sell.

It is expanding in Asia, where it counts Japan's Mizuho, China's SenseTime and McDonald's in China and Hong Kong as customers.

"It's a growth area, it's where all the new technology companies are growing," said Dara Murphy, a Global Shares general manager in Hong Kong.

"All the fast-growing unicorns are in Asia, tech companies, which is what our target is," he added.

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