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Revolut获得欧洲银行业务正式许可

上周,金融科技创企Revolut正式获得欧洲银行业务许可证。

Revolut表示,明年年初将现在较小的欧洲国家开展业务,并在此后的三到六个月进军英国等欧洲主要市场。至于脱欧之后该银行牌照有效性是否发生变化,Revolut表示并不清楚。

Revolut计划在未来推出全面的现金账户产品,同时开发自己平台的消费贷款服务。

目前,Revolut主要是通过与英国金融科技创企Lending Works合作进行贷款服务。

一年前,Revolut向立陶宛提请了银行业务许可申请。而就在本月早期,Revolut还获得了新加坡与日本市场授权,其许可证规定的业务范围与英国金融行为监管局(FCA)的电子货币许可证类似。

从去年年底开始,Revolut就实现了收支平衡,并在此后努力开始实现盈利。据悉,目前Revolut正在与软银集团进行一场总额5亿美元(约合3.94亿英镑)的投资谈判。

而由于严格的监管条件限制,目前Revolut暂缓了进军美国市场的计划。

 

 

 

 

 

Fintech banking startup Revolut has finally secured a full European banking licence, more than a year after first applying for authorisation in Lithuania.

As such, the banking-app-turned bank has today unveiled plans for full current accounts in Europe, as well as future efforts in developing its own consumer lending product.

The startup will launch with the licence in smaller European countries at the start of next year, followed by an eventual passporting of the licence into the UK and other key markets within three to six months.

It was not made clear how this might work should financial passporting laws be rescinded as part of Brexit.

Co-founder and chief Nikolay Storonsky said the digital bank’s vision is to compete with traditional lenders, allowing both retail and business users to apply for a loan in under two minutes.

"We'll remove the bureaucratic process and come in cheaper than traditional lenders," he added.

The app currently allows users to apply for loans through a partnership with fellow UK fintech Lending Works. A spokesperson for Revolut said this relationship will remain in place alongside its own offering.

The fintech firm, which is said to be in talks with Japanese mega-investor Softbank about a fresh investment of $500m (£394.8m), opens between 8,000 and 10,000 current accounts daily. Though it temporarily broke even on a monthly basis this time last year, it has struggled to maintain continuous profitability.

Plans to launch its services in other geographies such as the United States have been under pressure in recent months, due to the country's strict regulatory environment.

The news comes after Revolut secured authorisation in Singapore and Japan last week, operating under a similar licence to that of its UK e-money licence from the Financial Conduct Authority.

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