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麦肯锡:金融科技行业十大趋势预判

专栏国际资讯

麦肯锡:金融科技行业十大趋势预判

近日,著名咨询公司麦肯锡发布了一份名为《协同效应与颠覆:十大金融科技趋势》的研究报告。

研究显示,今年全球对Fintech创企的风投总额达308亿美元,比2011年的18亿美元大幅增加。

报告对目前金融科技内的行业形势进行了详细分析,希望为投资者提供更多的投资参考。

值得注意的是,本次报告着重对中国的金融科技产业优势进行了分析。

麦肯锡认为,中国和西方金融公司对待金融科技投资的态度并不相同。中国的金融科技发展主要依靠国内金融企业与大型科技生态系统平台之间的合作,而小型金融科技创企的作用并不那么明显。比如,中国银行与腾讯,中国建设银行与蚂蚁金服等之间的合作均属于这一模式。

以下是麦肯锡认为将塑造行业的十大趋势:

  1. 金融科技发展区域差异日益明显
  2. AI是有意义的发展,但对金融科技产业来说并不是突破
  3. 良好的执行和稳健的商业模式可以击败稀奇古怪的科技
  4. 对公司基本面的审视增加,投融资更有选择性
  5. 只靠优秀的用户体验无法维持产品优势
  6. 传统公司具备反击能力,并开始回击创新力量
  7. 市场颠覆者和传统金融主体间合作增加
  8. 基础设施类金融科技产品:潜能大,销售周期长
  9. 上市活动有稍许回暖
  10. 中国金融科技生态系统实现规模扩展,创新速度快于比西方

McKinsey has analyzed the main trends of the fledgling fintech industry. The consultant has found a logical explanation for the ascent of China as a leading fintech incubator.

The fintech report of McKinsey describes the trends in the financial technology industry and focuses in particular on the investment potential. McKinsey concluded in the paper titled Synergy and disruption: Ten trends shaping fintech that investors have to look particularly carefully at the firms before taking a stake.

The survey shows just how different Western financial firms and their Chinese colleagues approach investments in fintech.

China's Way

China’s ascent to a leading position among fintech incubators is down to local financial companies collaborating with big tech ecosystems instead of small fintech startups. This strategy has helped the country achieve rapid growth and an expansion of Chinese tech giants – examples are the cooperation between Bank of China and Tencent or China Construction Bank, Ant Financial and Alibaba.

This year, global risk capital investments in fintech startups reached $30.8 billion (see table below). A clear increase compared with the $1.8 billion of 2011.

And these are the ten trends of McKinsey, trends that will shape the industry:

  1. High level of regional variation in fintech disruption
  2. AI is a meaningful evolution, not a great leap forward for fintechs
  3. Good execution and solid business models can trump exotic technology
  4. Scrutiny of business fundamentals is increasing as funding grows more selective
  5. Great user experience is no longer enough
  6. Incumbents can, and do, strike back
  7. More attackers and incumbents are partnering
  8. Infrastructure fintechs: Potential is high, sales cycles are long
  9. There is a tentative return to public markets
  10. Chinese fintech ecosystems have scaled and innovated faster than their counterparts in the West.

本文系未央网专栏作者MM发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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