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基于互联网平台的金融业务

彭博社:2019金融科技趋势预测

全新的互联网金融模式国际资讯基于互联网平台的金融业务

彭博社:2019金融科技趋势预测

刚刚过去的2018年,不少金融科技创业公司都取得了不错的“战绩”。

例如,自由交易平台Robinhood Markets Inc.新增了服务产品,平台估值也增加了数十亿美元。再比如,投资者对Stripe Inc.的估价高于标准普尔500指数中249家公司的市值。

随着金融科技产业不断走向成熟和巩固,希望不被数字金融新时代抛在后面的大型行业参与者也开始加大对新技术、新平台的收购。

那么在新的一年,我们又该重点关注金融科技产业的哪些方面呢?

IPO:压力虽大,仍有可能

到目前为止,金融科技创业公司一直对公开上市态度犹豫不决。谁又能责怪他们呢?近年来上市的大多数金融科技公司的股价都在下跌,而充足的风险投资资金则缓冲了他们的资产负债表压力,所以目前自然没有多少创企愿意冒着风险上市。

尽管如此,2019年我们仍然应该对金融科技创企上市抱有期待。Credit Karma和Robinhood就被认为是最有可能上市的两家创企,而其他大公司也有可能在2019年开始认真考虑上市事宜。

行业整合或将起步

有很多创业公司已经通过足够亮眼的表现获得了老牌企业的注意,但是这些企业规模依然不大,所以行业并购可操作性也非常大。

大科技 vs 大金融

虽然越来越多的大型科技公司正在测试金融行业的水域,但不要指望Facebook银行很快就能出现。

支付速度再提升

2019年,银行应该会通过非接触式卡片提升客户在收银台的支付速度,比如采用非接触式支付,而不是传统的插入芯片卡或者进行刷卡。我们的专家预测,大型银行将继续推进美国的实时支付,让更多客户享受即刻转账服务。

资金的未来

说到资金,金融科技创企可能需要感谢软银集团等机构为他们提供了充足的资金供应,让更多公司能够在保持私有化的同时,迅速扩张并测试新产品。大多数专家认为此类投资应该还会持续,不过经济转型可能会改变这种动态。

In 2018, a number of financial technology startups came into their own. Free trading platform Robinhood Markets Inc., for example, added new services and billions to its valuation. And Stripe Inc. was valued by investors at a price higher than the market caps of 249 of the companies on the S&P 500 Index. But the industry is also maturing and consolidating, and larger industry players, hoping not to be left behind by the new era of digital finance, are stepping up their hunt for acquisitions.

What should we be on the lookout for in 2019?

IPOs looming

Up to this point, financial technology startups have been hesitant to enter the public markets. And who can blame them? Most fintech companies that have gone public in recent years have seen their share prices tumble, and ample venture capital funding has buffered balance sheets. Still, a major IPO isn't unthinkable in 2019. Credit Karma and Robinhood are cited as two possibilities, and other large companies may get serious about at least laying the IPO groundwork next year.

Consolidation picks up

Our experts were unanimous on this one. There are plenty of startups out there that have gained enough footing for incumbents to take notice, but have stayed small enough that an acquisition is still feasible.

Big tech vs. big finance

While more big tech companies are testing the waters in the finance industry, don't expect to see the emergence of the Bank of Facebook anytime soon.

Payments get faster

Next year, expect banks to speed up customers' experience at checkout lines with contactless cards, which allow consumers to tap the plastic at point of sale, rather than inserting a chip or swiping. Our experts also predict that large banks will continue their push into real-time payments in the U.S., letting more clients transfer money instantly.

The future of funding

Fintechs can thank the likes of SoftBank Group Corp. for the ample supply of capital, allowing more companies to expand quickly and test new products while remaining private. Most experts said they thought the money would keep flowing, though a turn in the economy could change that dynamic.

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