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俄罗斯金融科技产业持续增长,规模突破8亿美元

专栏国际资讯

俄罗斯金融科技产业持续增长,规模突破8亿美元

德勤和ID Finance联合发布的一份报告显示,尽管总体经济状况一般,但是俄罗斯的私营fintech领域却实现了快速增长,2018年底市值将达到8亿1000万美元,同比增长12%。

这份俄罗斯私营fintech领域报告是首份进行此类探讨的报告,由新兴市场fintech企业ID Finance委托德勤完成。报告调研了60家在俄罗斯的私有fintech公司(没有接受大集团投资或者附属于大集团的fintech公司)。ID Finance 于2012年创立于莫斯科,之后总部搬至巴塞罗那并在欧洲和拉美开展业务。

报告显示,俄罗斯fintech领域现有从业人员3600人。fintech公司对未来普遍保持乐观情绪,大约有76%的fintech公司看好发展现状,大约60%的公司认为该领域增长前景良好。

俄罗斯最受欢迎的金融科技技术包括支付、转账和在线借贷。市场主体认为,人工智能、机器学习、预测性分析、深度学习和大数据将成为最具前景的相关科技。

但德勤认为,俄罗斯市场中缺乏竞争性,金融机构环境相对封闭,加之俄罗斯经济停滞,这些意味着俄罗斯fintech领域的未来发展并不是一片光明。

德勤CIS 应用数据分析机构主管Alexey Minin指出:

"俄罗斯的fintech企业对未来很乐观,但是他们有很多问题需要解决。首先就是大型传统机构间缺乏竞争,因为对于创新性解决方案的需求被抑制。同时fintech公司还因为得不到充足的资金而难以在俄罗斯国外扩张。"

ID Finance 联合创始人Alexander Dunaev评论说:

"过去十年间,欧洲和美国经历了20世纪中期来最长的牛市。而俄罗斯完全没有发展出牛市,而且2010年开始迎来了经济衰退期。私有部门收缩,国家干预不断增多。虽然我们在俄罗斯的业务持续增长,我们还是更加关注美洲地区发展业务,因为我们认为那里潜力更大。"

 

According to a new report from Deloitte and ID Finance, Russia’s private fintech sector continues to grow despite weaknesses in the economy and will be worth $810m by the end of 2018. This represents growth of 12% compared to 2017.

The report by Deloitte, the first of its kind on the private fintech market in Russia, found that the fintech sector now employs over 3,600 people in Russia and fintech companies are surprisingly optimistic about their future. 76% of fintech companies tend to positively assess the state of fintech from the point of view of the financial well-being of their business, while 60% of companies believe the sector has good prospects for growth.

Among the most popular financial technologies in Russia are payments, money transfers, and online lending. Market participants named artificial intelligence, machine learning, predictive analytics, deep learning and big data as the most promising technologies.

However, Deloitte believes a lack of competition in the market, the closed nature of financial institutions and a stagnating economy mean the outlook for fintech in Russia is mixed.

“Fintechs in Russia are optimistic about the future but there are many issues to be solved,” says Alexey Minin, director of the Institute for Applied Data Analysis at Deloitte CIS. “The first is the lack of competition between the major incumbents which reduces demand for innovative new solutions. It is also very difficult for fintechs to expand outside of Russia due to the lack of funding.”

“Over the past ten years Europe and the US has seen the longest bull market since mid-20th century. We totally missed this in Russia and have had a recession since 2010. The private sector contracts while the role of the state increases,” comments Alexander Dunaev, cofounder at ID Finance. “While our business in Russia continues to grow, we are focused on building our business in the Americas where we see huge potential.”

The report, which polled over 60 private fintech companies (i.e. fintech companies that have not taken investment from or have affiliations with large corporations), was commissioned by ID Finance, the emerging markets fintech company. ID Finance was founded in Moscow in 2012 and has since moved its headquarters to Barcelona, launching its service in Europe and Latin America.

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