最有看点的互联网金融门户

最有看点的互联网金融门户
全新的互联网金融模式国际资讯投融资

P2P借贷平台Zopa完成6000万英镑G轮融资,致力构建自有银行品牌

全新的互联网金融模式国际资讯投融资

P2P借贷平台Zopa完成6000万英镑G轮融资,致力构建自有银行品牌

对于一家初创企业来说,想要拿到银行执业许可、成立自己的零售端银行品牌,是需要大量资金作为支持的。Zopa是一家来自英国的P2P借贷公司,致力于构建自己的银行品牌。

近日,该公司宣布已经顺利完成新一轮6000万英镑的G轮融资。不过,其中只有1600万英镑为近期筹集,剩下4400万英镑则在今年八月就已经完成了。因此,也可以说这1600万英镑资金,是之前融资轮的拓展轮。

当然,即便说法不同、定义不同,这些资金的用途还是一样的,那就是为“新一代实体银行”提供支持,进而更为顺利地推出自有银行品牌。早在2016年,Zopa就已经开始向英国相关监管机构申请银行执业许可。据公司介绍,其端对端业务在保证可持续性的基础之上还能够实现良性盈利。2017年,公司业务就实现了自2012年以来的首次全年盈利。

作为新兴P2P借贷领域的老牌企业,Zopa于2005年诞生,至今已为将近50万客户提供服务,既包括贷款也包括P2P贷款投资。从总量上来说,它已经为有需求的英国客户提供了超过37亿英镑的贷款。

接下来,Zopa的主要任务,就是成为一家全新数字银行,竭力为客户提供独一无二、品类更为多样、范围更为广泛的产品。

公司发言人表示:“未来,我们的银行将能为客户带来更多便捷优质的产品,如储蓄账户和信用卡,进一步优化客户的金融服务体验。同时,公司的理财应用程序,也将能为客户提供更为个性化的资金管理服务。”当然,除了储蓄账户和信用卡,其产品范围还包括个人贷款、汽车金融服务和P2P投资等。

公司首席执行官Cue Jaidev Janardana介绍说:“此次顺利拿到融资,将能帮助我们更好实现公司发展愿景,成为英国国内最受客户信赖的金融服务商。接下来,我们会利用自己的新一代银行服务来满足客户各种各样的金融需求,努力促进整个金融行业实现变革。”

Obtaining a banking license and then launching an actual new retail bank requires capital. A lot of capital. Enter Zopa, the U.K. peer-to-peer lending company that wants to become a bank, which today is announcing that it has closed £60 million in further funding. Only £16 million is actually new new money, having already disclosed £44 million in August, so this is effectively an extension of that earlier fund-raise.

The purpose remains the same, however: Zopa  says it will use the latest round of investment toward the capital needs for its yet-to-launch “next generation bank.” The company began applying for a bank license with the U.K. regulators in 2016. The new funding also comes off the back of what the fintech claims is its sustainable and profitable peer-to-peer business, having achieved full-year profitability in 2017 for the first time since 2012.

An early mover in the space — launching all the way back in 2005 — Zopa says it has served nearly half a million customers, either through loans or investing in peer-to-peer loans. It has lent more than £3.7 billion in unsecured personal loans to customers in the U.K.

The next phase of Zopa is all about becoming a new digital bank, alongside its peer-to-peer business, in order to be able to offer “a unique and broader set of products to customers.”

“Our bank will allow us to give more people a better experience with their finances by introducing more simple, fair products — like savings accounts and credit cards,” a company spokesperson tells me.

At launch this will include offering FSCS-protected savings accounts, and P2P investments (including IFISAs for investors), and personal loans, car finance and credit cards for people looking to borrow.

“Our money management app will offer our customers a more personalised approach to managing their money,” adds the spokesperson.

Cue Jaidev Janardana, Zopa CEO (pictured above): “This new funding takes us a step closer to realising our vision of being the best place for money in the U.K. Having served half a million customers to date, Zopa is set to redefine the finance industry once again through our next generation bank to meet a broader set of U.K. customers’ financial needs.”

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

[未央研究]本周互联网金融回顾 | 2018年第45周

未央研究 18小时前

1个亿以下的P2P平台,会被清退吗?

肖飒 | 大成律师事... 1天前

11月15日P2P风险舆情:小金库、银票网、石头理财等16家平台有新进展

零壹财经 | 零壹财经 1天前

现在是并购P2P平台的好时机吗?

薛洪言 | 苏宁金融研... 2天前

为什么银行业没有跟风收购加密创企?

ROBERT HAC... | 巴比特资讯 2天前

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1