最有看点的互联网金融门户

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摩根史丹利探索新模式,让金融科技合作更便捷

近年来,为应对金融科技创企的冲击,越来越多的传统银行开始选择与这些新兴力量进行合作。

然而,让金融科技创企担心的时,与大型机构合作往往流程繁琐,耗时漫长。由于银行属于高度受到监管的行业,所以他们必须确保获得的技术是可靠合规的,因此常常需要与创业公司进行长达几个月的测试和会面,随之而来的则是大量的报告和文书。

而初创企业资源有限,这样的合作流程无疑会大幅增加他们的成本。

为应对这一问题,传统金融机构也开始进行改革。

近日,摩根史丹利技术业务开发与创新办公室负责人Shawn Melamed在接受路透社采访时表示,目前该公司正在加速文档精简速度,加快与创企合作的速度。

以供应商协议为例,Shawn Melamed称目前摩根史丹利已经将所需的文件从20页精简到了1页,达成协议的时间也缩短到了1周,而过去整个流程一般要耗时3个月。

此外,摩根士丹利还推出了专门的技术测试门户网站,以供员工提前进行相关技术测试,节省合作的时间和金钱成本。

在加快与金融科技公司合作的同时,摩根士丹利还推出了一个名为WealthDesk的产品,为财务顾问提供近十二种新技术工具和服务。

Morgan Stanley wants to make it easier to acquire new tech from startups as well as pick up the pace of collaboration amid concerns from FinTechs that partnering with big banks can be slow and expensive.

According to a report in Reuters citing Shawn Melamed, Morgan Stanley’s head of technology business development and innovation office, Melamed said the company is streamlining documentation and expanding the instances where executives can look at new products in an effort to improve partnerships with startups. Melamed pointed to its vendor agreement as one example: Earlier in 2018, Morgan Stanley reduced the document to one page from twenty, which resulted in startups and Morgan Stanley inking agreements in as short as one week. That compares to the typical three months it took in the past. Morgan Stanley also rolled out a portal that employees can use to test technology, noted Reuters. “We have looked at how to improve overly complicated processes,” Melamed said in the interview. “The benefit for us and them is (saving) time and money.”

With FinTechs disrupting traditional financial services, the big banks have been partnering up at an increasing rate. One of the biggest challenges for FinTech startups in working with these huge institutions is that they have lots of procedures and requirements on the books. Because the banks are highly regulated, they have to make sure the tech they acquire is reliable — which often means months of testing and meeting with the startups, as well as a lot of paperwork. Startups by nature have limited resources, so this makes it very difficult for them. But Melamed told Reuters he used to be the CEO and founder of a FinTech startup so he knows the pain the FinTechs are feeling. Melamed said Morgan Stanley hosted a FinTech even in November in New York where 400 executives held meetings with 90 FinTech companies.

Making it easier to work with FinTechs comes at the same time as Morgan Stanley launched WealthDesk, a package of close to twelve new technology tools and services geared toward its financial advisers. Its part of Morgan Stanley’s push to grow its wealth business, noted the report.

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