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Credit Karma收购信用报告服务公司Noddle,启动海外扩张

国际资讯投融资

Credit Karma收购信用报告服务公司Noddle,启动海外扩张

美国初创企业Credit Karma是一家提供信用报告和浏览及购买其他金融服务的平台,用户总量大约8500万。

近日,该公司进行了一项收购,从TransUnion手中收购了部位于英国的信用报告服务公司Noddle,以帮助其启动在美国和加拿大以外的首次海外扩张。

这笔交易的财务条款尚未披露,但是Credit Karma国际业务副总裁Valerie Wagoner表示,此次收购将是对技术和员工的全面收购。此外,在这笔交易中,TransUnion并没有占有Credit Karma的股份,不过TransUnion将继续向Credit Karma提供数据。

作为一个参考点——也是市场整合和竞争的标志——Experian今年早些时候在英国以相当于3.85亿美元的价格,收购了另一家信用评分服务公司ClearScore。该服务拥有600万用户,而Noddle只有400万用户。竞争管理机构仍在调查该交易,Credit Karma在结束交易前也必须获得监管机构的批准。

Credit Karma在今年早些时候的第二轮融资中获得了5亿美元投资,估值为40亿美元。这一轮融资主要是为了帮助推动其增长,这也是它一直在做的事情。(该公司还于8月份收购了抵押贷款平台Approved。)

对TransUnion来说,这是一种减轻负担的方式。TransUnion作为一家规模更大的信用报告公司,与Equifax、Experian和Credit Karma是竞争对手。它于今年早些时候在英国以14亿美元收购了CallCredit。而Noddle是CallCredit的一部分,因此与TransUnion的现有业务重叠,从而遭遇撤资。

TransUnion消费者互动总裁John Danaher在一份声明中表示:“我们对与Credit Karma的合作感到自豪,Credit Karma从一开始就为数千万消费者提供了做出更明智金融决策所需的信息。这项交易代表着我们在英国的使命扩展,我们期待着在Credit Karma继续全球扩张的同时,支持它们。”

Wagoner在接受采访时说,Credit Karma正在做的第一件事是从现在开始将Noddle之前的付费服务进行免费,使其更接近Credit Karma免费提供所有信贷评分和监控服务的商业模式。只有当用户从合作伙伴那里购买网站上的其他金融服务时,它们才会收取费用。此前,Noddle提供免费的信用评分,但对ID监控等其他服务进行收费。

“我们将确保100%的业务都是免费的,”她说。

她说,这将是整合两家企业及其客户群的第一步:下一步将是向Noddle的用户提供Credit Karma更广泛的服务——包括汽车贷款和抵押贷款、信用卡和再融资服务

虽然大部分整合将涉及利用Noddle现有的基础和在英国的既定市场地位来引入Credit Karma产品,但Noddle也将会拥有Credit Karma的功能。

这家美国初创公司在六个月前推出了一款监控工具——部分是为了应对我们最近在世界各地看到的许多大规模数据泄露事件——它将扩大这一工具,以便在身份监控方面做更多工作。

Wagoner说,这是Noddle一直在开发产品的领域,更长远的计划是在Credit Karma更广泛的业务中使用这些开发。

“我们从来不希望数据泄露发生,但是我们知道,在这个时代,数据泄露是不可避免的,”她说,“不仅仅是在信用局,所有的企业都是如此,所以我们必须能够向会员提供影响他们及其信用的服务,包括ID监控和帮助监控漏洞的服务。”

她指出,Noddle的ID监控产品——曾经是它的付费产品之一——如今已经没有什么用处了。

例如,2015年,在TalkTalk报告了一项数据泄露事件后,Noddle开始与TalkTalk合作,向用户提供ID监控。TalkTalk支付监控交易的费用,为其客户免费提供服务。

但“这是Noddle关心这项使命的一个迹象,也非常适合Credit Karma。”她说,没有任何关于该产品何时会进入Credit Karma在其他地方服务的消息,但这已经在路线图上了。

值得关注的是,Credit Karma是否将此次收购作为进入新市场的模板,或者是否将寻求其他地方的有机扩张。我们早在2015年就报道过,该公司着眼在两年内进行IPO。该公司已经实现盈利,我们也看到科技公司公开发行股票的强劲市场。尽管目前看来,该公司在采取进一步措施之前,将会更专注于创造更加多样化的收入来源。

Credit Karma, the US startup with 85 million users that offers credit reports and a platform to browse and buy other financial services, has made an acquisition to help it kick-start its first overseas expansion beyond the US and Canada: it has acquired Noddle, a UK-based credit reporting service with 4 million users, from TransUnion.

Financial terms of the deal are not being disclosed, but Valerie Wagoner, Credit Karma’s VP of International (who had previously been at Twitter), said that it will be a full acquisition of tech and employees — 35 in all — and TransUnion is not taking any stake in Credit Karma as part of this deal, although the two will continue to work together with TransUnion  providing data to Credit Karma, as it had done before.

As a point of reference — and a sign of the consolidation and competition in the market — earlier this year Experian acquired another credit scoring service in the UK, ClearScore, for the equivalent of $385 million. That service has 6 million users compared to Noddle’s 4 million. Competition authorities are still investigating that deal, and Credit Karma’s will also have to get the pass from regulators before closing.

Credit Karma raised $500 million in a secondary round earlier this year that valued it at $4 billion, specifically to help fuel its growth, and that’s what it has been doing. (It also acquired mortgage platform Approved in August.)

For TransUnion, this is a cleaning of house, of sorts. The larger company, a credit reporting agency that competes against Equifax and Experian — and thus, in part, with Credit Karma, too — acquired CallCredit in the UK earlier this year for $1.4 billion; Noddle had been a part of CallCredit that overlapped with existing operations at the bigger company: hence the divestment.

“We are proud to have partnered with Credit Karma from its inception to empower tens of millions of consumers with the information they need to make smarter financial decisions,” said John Danaher, TransUnion’s president of Consumer Interactive, in a statement. “This deal represents an expansion of our mission to the United Kingdom, and we look forward to supporting Credit Karma as they continue to expand globally.”

In an interview, Wagoner said that the first thing that Credit Karma is doing is making Noddle’s previously paid services free to use from now on, to align it closer with Credit Karma’s business model of offering all credit scoring and monitoring services for free, and making money when a user purchases (not just clicks through to) other financial services on its site from partners. Previously, Noddle offered free credit scoring but charged for other services like ID monitoring (more on that below).

“We will make sure 100 percent of the business is free and accessible to everyone,” she said.

This will be the first step in integrating the two businesses and their customer bases, she said: the next will be to offer Credit Karma’s wider range of offerings — which cover services like automotive loans and mortgages, credit cards and refinancing offers — to Noddle’s users.

Although most of the integration will involve using Noddle’s existing base and established market presence in the UK to bring in Credit Karma products, there will be features of Noddle’s coming to Credit Karma as well.

The US startup launched a monitoring tool six months ago — in part a response to the many large data breaches that we have seen hit the Equifaxes of the world in recent times — and it will be expanding that to do more with identity monitoring.

This is an area where Noddle has been developing products, Wagoner said, and the plan longer term will be to use some of that development in Credit Karma’s wider business.

“We never want data breaches to happen but we know they are inevitable in this day and age,” she said, “not just at credit bureaus but all businesses, so it’s important for us to be able to deliver services to members that affect them and their credit around ID monitoring and services that help monitor breeches.”

She noted that Noddle’s ID monitoring product — which had been one of its paid products — today has relatively little usage.

For example, it partnered with TalkTalk in 2015 to provide ID monitoring to users after the carrier reported a data breach where TalkTalk would have paid for the monitoring deal to offer the service free to its customers.

But “it is a sign that Noddle cares about that mission and is a great fit for the Credit Karma family family.”  No word on when that product will make its way to the Credit Karma service elsewhere, but that is on the roadmap she said.

It will be worth watching to see whether Credit Karma uses this acquisition as a template for how it will enter new markets, or whether it will look to organic expansion elsewhere. The company, we’d reported back in 2015, had been eyeing an IPO within two years. The company is profitable, and we’ve been seeing a strong market for public offerings from tech companies, although for now it looks like the company is focused on creating more diverse revenue streams before taking further steps.

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