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亚洲各国融资规模最大的金融科技公司有哪些?

专栏国际资讯投融资

亚洲各国融资规模最大的金融科技公司有哪些?

亚洲区域广袤,没有银行账户和保险的人口众多,投资者正逐渐意识到亚洲在金融科技方面的发展潜力。Bain & Company调查显示,记录在案的风险资本交易在2017年激增,达到2012年的四倍之多。

从现在起到2019年,东南亚60%以上的投资者表明会重点关注技术,其中,金融科技更是重中之重,许多地区也开始出现本地的行业巨头。

下方资金规模最大的金融科技公司列表主要根据Crunchbase上披露的价值整理而成,需要注意的是,列表可能不会体现公司的实际价值,可能来自私人投资者等方面。亚洲各地区资金规模最大的金融科技公司列表如下:

中国

中国 - 蚂蚁金服(1500亿美元)

支付宝是推动中国转向无现金社会的主要动力之一,其中部分要归功于支付宝的电商起源。蚂蚁金服是阿里巴巴集团旗下的金融科技公司,也是全球最有价值的金融科技公司之一,最近一轮的融资旨在助力蚂蚁金服打入国际市场。该公司最近开始涉足区块链技术,通过AlipayHK和GCash降低香港和菲律宾的跨境汇款成本。

香港 - WeLab(4.25亿美元)

WeLab分析非结构化移动大数据,并利用这些数据针对独立借款人做出信贷决策,因此成为香港价值最高的公司之一。该公司负责运营中国的移动借贷平台"我来贷"以及香港的在线借贷平台WeLend,旨在实现近乎即时的无缝体验。

该公司还向企业提供其专有技术,借此与传统金融机构开展合作。

印度尼西亚 - Akulaku(1.2亿美元)

Akulaku是印度尼西亚一家消费金融公司,目前已覆盖菲律宾、马来西亚、越南和印度尼西亚市场。该公司主要为传统金融体系外的人提供金融服务,包括购物在线分期付款。

该公司向没有银行信用卡的马来西亚人提供虚拟信用卡服务,借此踏入电商以及在线购物的消费金融领域。

新加坡 - TenX(8300万美元)

TenX从根本上来说是一款加密货币钱包,让用户真正以现金形式花费自己的加密货币,帮助加密货币实现进入全球经济的目标,而不是进入另一个投机市场。

这款钱包的实际应用还受到其2017年发布的实体Visa卡的支持,可以在不接受加密货币的地方使用这些加密货币,但是转换模式和成本目前尚未披露。

2017年的ICO中,TenX筹募的资金高达8300万美元,被认为是同期规模最大的公司之一,对该公司的估值以这次ICO为基础。

马来西亚 - Jirnexu(1700万美元)

Jirnexu在消费者中以RinggitPlus出名,这是一家对比信用卡、互联网连接、保险、储蓄账户和贷款的网站。Jirnexu还向银行提供B2B(企业对企业)产品,如XpressApply技术,为金融服务机构(FSI)自动处理复杂金融产品的营销、销售和交付。

他们最近推出的聊天机器人能够协助RHB Bank处理个人贷款,某种程度上也可以减少处理客户服务需要的人力。

印度 - PolicyBazaar(3.466亿美元)

PolicyBazaar是印度最热门的综合保险平台,专门根据价格、质量和关键优势对保险产品进行全球流行的对比分析,该公司还通过自己的金融咨询平台PaisaBazaar进军数字借贷领域。据称,PolicyBazaar在最近的F轮融资中筹募到2亿美元。

日本 - freee(2.279亿美元)

freee自动云会计软件与公司的银行账户同步,能够自动分类各条目,生成金融报告。freee于2013年发布,服务对象是日本税务系统中运营的中小企业,软件采用免费增值模式,付费计划为每家企业每月980日元(约10美元)起。自发布后,freee已扩展为人力资源领域基于云的软件,号称有一百多万企业账户。

韩国 - Viva Republica(1.172亿美元)

Viva Republica通过自己的移动应用Toss在韩国提供P2P移动支付平台。Toss模仿Venmo简化账单共享和其他P2P相关交易,而不采用涉及OTP设备和多个密码的常见移动银行模式。Toss还针对与金融生活息息相关的服务与现有金融机构和其他金融科技企业开展合作,合作内容包括贷款、支付、投资、信用评分管理、消费分析和保险。

菲律宾 - Acudeen(4150万美元)

金融科技初创企业Acudeen筹募的投资已确定高达4160万美元,其中3500万美元来自该公司首次通过新加坡实体发售的ACU代币。通过Acudeen的对等发票市场,中小企业可以将自己未认领的应收账款转换为现金,方便资金流转。目前,该公司还在运行一家获得区块链支持的市场。

柬埔寨 - Clik(200万美元)

Clik支付渠道和整合机构旨在为每个人提供安全、无缝和便捷的支付体验。公司合作伙伴包括uCARE Pharma、Hard Rock Cafe Phnom Penh和MEAS Group等老牌柬埔寨零售商。

Clik同时也是一款电子钱包,支持通过International Payment Scheme卡、P2P交易和支付商家进行付款。

泰国 - Omise(2040万美元)

Omise是泰国一款在线支付API,方便商家接受在线支付,而无需填写繁琐的文档进行申请、无需承担月度承诺也没有高昂的交易费。Omise确保自己的支付平台在结账时提供无缝体验,以帮助提高转换率。

蒙古 - AND Global(1530万美元)

AND Global成立于蒙古,但于2015年5月在新加坡被合并。该公司通过LendMN专门从事借贷服务,包括小额借贷、分期贷款和数字钱包等服务。公司利用AI信贷评分来确定申请者的信贷情况,进一步降低了开户、认购和风险成本。公司目前正尝试将业务扩展到蒙古以外的国家。该公司的评估基于DealStreetAsia的这篇文章。

越南 - Momo(3380万美元)

Momo是一家初创企业,提供iOS和安卓版本的移动电子钱包和支付应用。公司产品帮助客户在越南进行全国汇款、支持100多种账单支付、手机充值、结算个人贷款和购买软件许可、在线游戏卡、机票和电影票等服务。公司的支付系统与24家国内银行和国外支付网络合作,合作伙伴包括JCB、MasterCard和Visa

With the existence of such a huge region with huge swaths of unbanked and uninsured populations, investors are waking up to the potential that Asia has in fintech. According to Bain & Company, 2017 saw a sharp spike of recorded venture capital deals which quadrupled from its 2012 amount.

Between now and 2019, over 60% of investors from Southeast Asia state technology will be their main focus, with fintech, in particular, being the largest sub-sector. And many regions have begun producing their own giants.

This list of top-funded fintech companies were compiled based on disclosed values on Crunchbase (unless otherwise stated) and it should be noted that it may not reflect the company’s actual valuations, which may come private investors and etc. So without further ado, the top funded fintech companies in different Asian regions are:

China

China – Ant Financial (US$150 billion)

Of the China e-wallets Alipay is one of the premier names that have helped the nation shift towards a cashless society, in parts thanks to its e-commerce origins. Ant Financial is the fintech arm of the Alibaba Group, and widely considered one of the most valuable fintech companies in the world. Its recent round of funding was raised so that Ant Financial could tackle the global market. One of its most recent developments is a dabble into blockchain technology, to allow AlipayHK and GCash to launch cross-border remittance for a lower cost between Hong Kong and Philippines.

Hong Kong – WeLab  (US$425 million)

WeLab rose to the top of Hong Kong’s highest valued companies by analysing unstructured mobile big data, and uses it to make credit decisions for individual borrowers. It is known for operating Wolaidai, a mobile lending platform in China, and WeLend, an online lending platform in Hong Kong. The company aims to make the experience seamless, and almost instataneous.

The company also partners with traditional finanncial institutions by offerings its proprietary technology for corporations.

Indonesia – Akulaku (US$120 million)

Akulaku is a consumer financing company based in Indonesia, and now operates in the Phillippines, Malaysia, Vietnam and Indonesia. It focuses on providing the underserved with financial services, including online installments for purchases.

The company does so by offering virtual credit card services to Malaysians who may not own a credit card with a bank. They have since expanded into e-commerce, as well as consumer financing for online purchases.

Singapore – TenX  (US$83 million)

TenX, essentially, is a cryptocurrency wallet that enables users to actually spend their cryptocurrency on cash, which helps the currency achieve its intended goal of participating in the global economy instead of just another speculative market.

The wallet’s use in real-life is often bolstered by its physical Visa card launched in 2017, allowing for cryptos to be used in places that wouldn’t otherwise accept them, though the conversion model and costs are currently undisclosed.

TenX’s valuation came from a 2017 ICO that raised $83 million, and is said to be one of the bigger ones that occurred in the time-span.

Malaysia – Jirnexu (US$17 Million )

Jirnexu is primarily known from the consumers side as RinggitPlus, a comparison site for credit cards, internet connections, insurance, savings accounts and loans. Jirnexu also offers B2B (Business-to-Business) offerings for banks, like the XpressApply technology that able to automatically deal with marketing, sales, and the delivery of complex financial products for financial service institutions (FSIs).

Their most recent offering though, are chatbots that help process personal loans for RHB Bank, and could in part, reduce the manpower required to deal with customer service.

India – PolicyBazaar (US$ 346.6 million)

PolicyBazaar is one of India’s most popular insurance aggregator websites, specialising in the globally popular comparative analyses of insurance products, based on price, quality and key benefits. The company also has a financial advisory platform, PaisaBazaar, which puts it into the digital lending space as well. Its latest fundraising round, Series F, saw it raising US$200 million.

Japan – freee (US$227.9 million)

freee is automated cloud accounting software that syncs with  a company’s bank accounts and automatically categorise entries to create financial reports. Freee was launched in 2013 and is offered to SMEs operating under the Japanese taxation system. It takes freemium model and its paid plan begins at 980 JPY (~10 USD) per month per business. Since then, freee has expanded into HR cloud-based softwares as well, and claims tohave over one million business accounts.

South Korea – Viva Republica (US$117.2 million)

Viva Republica, through its mobile app Toss, provides a P2P mobile payments platform in Korea. Instead of the usual mobile banking involving OTP devices and multiple passwords, Toss models itself after Venmo and simplifies the process for bill-sharing, and other P2P-related transactions. Toss also partners with incumbent financial institutions, and other fintech players with services related to their financial lives, like loans, payments, investments, credit score management, spending analytics and insurance.

Phillippines – Acudeen (US$41.5 million)

Fintech startup Acudeen is pegged to have raised investments of up to US$41.6 million, with $35 million coming from its ICO, the ACU token via its Singapore entity. Acudeen is a peer-to-peer invoice marketplace that allows SMEs to convert their unclaimed receivables into cash to help with runway. Now, the company runs a blockchain-powered marketplace.

Cambodia – Clik (US$2 million)

Clik is a payment gateway and aggregator that aims to provide a safe, seamless and simple payment experience to everyone. Their partners include established Cambodian retailers, such as uCARE Pharma, Hard Rock Cafe Phnom Penh and MEAS Group.

Clik is also an e-wallet, that allows foor payments via International Payment Scheme cards, P2P transactions, and even paying merchants.

Thailand – Omise (US$20.4 million)

Omise is an online payment API in Thailand allows merchants to accept online payments without requiring cumbersome documentation to apply, monthly commitments, and without the usual high transaction fees. Omise aims to help increase conversion by ensuring that their payments platform is seamless during checkouts.

Mongolia – AND Global (US$15.3 million)

AND Global was founded in Mongolia, but incorporated in Singapore as of May 2015. This company, via LendMN, specialises in lending, with services like microlending, installment loans, and a digital wallet. The company utilises AI credit scoring to determine the credit-worthiness of applicants, which should also reduce the costs of on-boarding, underwriting, and risk. The company is now attempting to expand beyond its Mongolian borders. Its valuation was based on this article by DealStreetAsia.

Vietnam – Momo ($33.8 million)

Momo is a  startup that offers a mobile, electronic wallet and payment application for iOS and Android devices. Its products help customers in Vietnam make nationwide cash transfers, pay more than 100 types of bills, recharge mobile phone accounts, settle personal loans, and purchase services such as software license and online game cards, airline and movie tickets, etc. The company’s payment system partners with 24 domestic banks and foreign payment networks, including JCB, MasterCard, and Visa.

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