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Zopa计划2019年初再度融资,不排除公开上市可能

全新的互联网金融模式国际资讯投融资

Zopa计划2019年初再度融资,不排除公开上市可能

上个月,英国P2P贷款平台Zopa刚刚完成6000万英镑(约合7650万美元)的融资,并在随后获得了FCA颁发的银行牌照。

而近日,Zopa首席执行官Jaidev Janardana在接受CNBC独家采访时表示,Zopa计划在2019年筹集更多资金。

据他透露,本次融资将于2019年初开始,主要资金来源将是私人资本市场投资,但是Janardana并没有透露具体的融资目标。

Zopa成立于2005年,是全球第一家P2P贷款平台。(其竞争对手LendingClub和Funding Circle则分别于2007年和2010年成立。)

目前,Zopa获得的银行牌照还处于限制阶段,只有该平台达到了FCA的各项要求后,才能获得完整的银行牌照。

一直以来,英国新兴数字银行领域都竞争激烈,相继出现了Revolut、Monzo、Starling和Atom等多家金融科技创企。

据了解,Zopa计划在未来提供更多的银行金融产品,比如定期存款、信用卡和和资金管理应用程序等。

展望未来时Janardana表示,随着初创贷方的资本需求增长,Zopa可能也会考虑在未来进行公开上市,不过还没有明确的时间计划。

今年9月,Zopa的本土竞争对手Funding Circle选择在伦敦证券交易所上市,不过目前其股价已经下挫了约9%。

 

 

U.K. peer-to-peer lender Zopa plans on raising more money in 2019 as it looks to open up its own bank, its boss told CNBC.

The financial technology start-up recently obtained a banking license from Britain’s financial regulator, on the back of a £60 million ($76.5 million) funding round it closed last month.

“We will be looking to raise additional capital in 2019,” Zopa Chief Executive Jaidev Janardana told CNBC in an exclusive interview. “The focus of that (will be) to raise the regulatory capital to fund the growth of (our) balance sheet.”

Zopa’s chief said the firm would seek the additional investment from the private markets, and that it would look into how to go about raising the extra capital “early next year.” He didn’t comment further on how Zopa intended to raise the funds or how much it would seek to raise.

The company is considered to be one of the world’s first peer-to-peer lenders, having launched in 2005, ahead of U.S. rival LendingClub’s 2007 launch and domestic enterprise-focused competitor Funding Circle’s 2010 launch. Peer-to-peer lending is a method of financing where borrowers are connected with investors through an online platform.

The fintech firm is looking to launch a fixed-term savings product, a credit card and a money management app after the U.K.’s Financial Conduct Authority granted it permission to operate a bank.

Zopa’s banking license is currently at a “mobilization” phase, the firm said on Tuesday, with restrictions placed on it by the FCA. It will need to meet a set of conditions laid out by the watchdog before it is granted a full banking license.

Looking forward, Janardana said he could also see an initial public offering being possible as the start-up lender’s capital requirements grow.

“Longer term… we think that we’d want to access public markets,” Janardana said. “But we don’t have a definite timeline on that.”

U.K. rival Funding Circle has seen the price of its stock fall around 9 percent since it listed its shares on the London Stock Exchange in September.

Zopa will be entering a heated competitive landscape as it opens up a digital bank, which will operate alongside its peer-to-peer business.

The U.K. is home to various fintech start-ups that offer a range of banking products. Revolut, Monzo, Starling and Atom are just a few of the challenger banks that operate in Britain with no physical bank branches.

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