最有看点的互联网金融门户

最有看点的互联网金融门户
专栏国际资讯

安永发布《金融科技生态系统手册》,同时覆盖全球6个新兴市场

专栏国际资讯

安永发布《金融科技生态系统手册》,同时覆盖全球6个新兴市场

近日,著名咨询机构安永公司发布了一份《金融生态系统手册》报告。

该报告同时覆盖东盟、拉丁美洲、中欧、东欧和东南欧以及中亚(CESA)、中东、非洲和亚太地区在内的6个集群新兴市场的26个金融科技中心发展现状,展示了新兴市场在区域和国家层面的趋势和主要动向。

在今天这篇文章中,我们就为您罗列一下本次报告的十大看点:

中心子部门专业化

全球范围内,成功的金融科技中心往往在生态系统方面呈现多样性,但一些金融科技中心在某些子行业更具优势。这些中心成功地占据行业领军地位,或者将自己定位为这些子行业占主导地位的中心。

报告指出,瑞士的加密货币和区块链、马来西亚的伊斯兰银行业务和斯德哥尔摩的支付业务就是符合这一特征的三个典型案例。

政府支持融资

为了应对资金挑战,全球政府通过提供风险和增长资本来为创业公司提供支持。一些金融科技中心设有专门资金或母基金(FOF)为金融科技提供支持。

迪拜国际金融中心(DIFC)2017年11月推出了价值1亿美元的金融科技专项基金;印度政府2016年1月推出了印度创业项目(Startup India Initiative),其中包括15亿美元的FOF;中国香港推出了2.56亿美元的创科创投基金;新加坡金融管理局(MAS)也为金融部门技术和创新计划投资2.25亿新元。

吸纳人才

英国、法国和阿联酋等国家正通过提供特殊签证来吸引其他国家的技术人才。

英国为非欧洲经济区(EEA)研究人员提供专属签证途径,并计划为外国科技企业家提供创业签证。 阿联酋为投资者和专家提供10年居留签证。爱沙尼亚和立陶宛等国家都有创业签证项目。

培训当地劳动力

金融科技中心也在开发聚焦金融科技的专项计划,推出相关举措,提升当地劳动力专业技能水平。

比如推出政府主导的课程和计划,如新加坡的SkillsFuture计划、香港中文大学的香港金融技术工程专业学士学位及香港理工大学的金融科技理学学士(荣誉)、孟买证券交易所与孟买大学合作开设的金融科技MBA课程。

其他举措还包括金融科技人才孵化器和加速器计划,如香港的金融科技职业加速器计划(FCAS)和新加坡的金融科技加快培训专才计划(TeSA)。

有利的监管环境

监管机构和政策制定者通过一系列政策和其他介入,积极发展具有吸引力的金融科技生态系统。

报告重点介绍了区域和国家层面的一些关键做法,包括引入沙箱支持金融科技公司在没有必要许可的情况下推出产品和服务,创建可以享受包括免税在内的各类福利的经济区,提供向业内人士咨询的机会,提供指导原则和框架而不是规则,推出金融科技法律或许可证等。

通过开放银行开展创新

为了强化竞争、鼓励创新,各国都在推出开放银行举措。通过开放银行,金融科技可以利用银行的数据向银行客户提供其产品,并拓展产品品类。

世界各地的监管机构各显神通:英国率先推出开放式银行,在2018年1月启动开放银行计划,并要求9家英国银行通过一系列API开放数据,新加坡的MAS鼓励金融机构采用开放API(Open API),中国香港2018年7月发布了开放API框架(Open API Framework)。

监管机构之间开展合作

世界各地的监管机构和政策制定者密切合作,共同支持跨市场金融科技发展壮大。与金融科技行业协会一道,全球监管机构达成合作伙伴关系,分享领先做法、经验和框架,助力金融科技公司进军国际市场。

报告称,在与世界其他国家监管机构签订双边协议数量方面,英国、新加坡和澳大利亚遥遥领先。

公共加速器计划

孵化器和加速器计划可以通过提供指导、资金、培训、人际关系网、营销和公共关系机会为创业公司发展提供支撑,全球金融科技中心已经认识到孵化器和加速器计划的重要性。

迪拜国际金融中心(DIFC)运营关注中东、非洲和南亚(MEASA)地区的金融科技机会的Fintech Hive加速器计划;阿布扎比全球市场2017年10月与硅谷著名孵化加速器Plug and Play建立密切联系,推出其金融科技加速器;新加坡的MAS每年都会举行全球金融科技加速竞赛(Global Fintech Hackcelerator)。

传统金融机构的支持

除政府主导的举措外,全球金融机构也通过各种举措为金融科技行业提供支持。花旗银行、汇丰银行、西班牙对外银行(BBVA)、新加坡大华银行和曼迪里银行等银行已划拨专项资金用于投资金融科技企业。银行还通过创新实验室、黑客马拉松和加速器计划与积极参与金融科技浪潮。

金融科技全球平台的出现

数个金融中心通过金融科技活动和项目,为金融科技提供与投资者、技术人员、行业参与者和监管机构联系、协作和沟通的平台。

例如,MAS与新加坡银行协会、SingEx Holdings合作举办为期一周的新加坡金融科技节;香港投资推广署(InvestHK)主办香港年度金融科技周,即是外界了解香港作为亚洲金融中心的窗口,也是外界企业进入中国大陆和大湾区的入口。

In the recently released Fintech Ecosystem Playbook, EY gives a panoramic view of the fintech ecosystem in 26 fintech hubs in emerging markets across six clusters, namely ASEAN, Latin America, Central, Eastern and Southeastern Europe and Central Asia (CESA), the Middle East, Africa, and Asia-Pacific.

The report sheds light on the trends and key developments at regional and country levels across these emerging markets. The followings are 10 key takeaways from the research paper:

Hub subsector specialization

Though, globally, successful fintech hubs tend to have diversity in the ecosystem, some fintech hubs have identified subsectors where they have certain advantages. These hubs managed to take leadership or are positioning themselves to become the dominant hub for those subsectors.

Three relevant examples are Switzerland with cryptocurrency and blockchain, Malaysia with Islamic banking, and Stockholm with payments, the report notes.

Government-backed funding

To ease some of the capital challenges, government globally are supporting startups by giving access to risk and growth capital. Some hubs have dedicated funds or fund-of-funds (FOF) to support fintech.

These include the Dubai International Financial Centre (DIFC), which launched a US$100 million fintech-focused fund in November 2017, the Indian government, which launched the Startup India Initiative in January 2016 that includes a US$1.5 billion FOF, Hong Kong’s US$256 million Innovation and Technology Venture Fund, and the Monetary Authority of Singapore (MAS)’s S$225 million Financial Sector Technology and Innovation scheme.

Attracting talent

Countries such as the UK, France and the UAE are attempting to attract technical talent from other countries by offering special visas.

The UK provides a visa route for non-European Economic Area (EEA) researchers and plans to offer startup visas for foreign tech entrepreneurs. The UAE introduced a 10-year residency visa for investors and specialists. Meanwhile, countries such as Estonia and Lithuania have Startup Visa programs.

Training local workforces

Hubs are also developing fintech-focused specialized programs and initiatives to develop local workforces.

Some initiatives include government-led courses and programs such as the SkillsFuture program in Singapore, Hong Kong’s Bachelor of Engineering Programme in Financial Technology at The Chinese University of Hong Kong and Bachelor of Science (Hons) in Financial Technology at Hong Kong Polytechnic University, and Bombay Stock Exchange’s MBA program in fintech in association with the University of Mumbai.

Fintech talent incubator and accelerator programs also exist including the Fintech Career Accelerator Scheme (FCAS) in Hong Kong, and the TechSkills Accelerator (TeSA) Fintech Collective in Singapore.

Favorable regulatory landscapes

Regulators and policymakers are actively seeking to develop attractive fintech ecosystems through a range of policies and other interventions.

The report highlights some key practices at the regional and country level, including the introduction of sandboxes, which allow fintechs and firms to launch products and services without necessary licenses, economic zones with varied benefits like tax exemptions, consultations with industry players, guiding principles and frameworks rather than rules, and fintech laws or licenses.

Innovation through Open Banking

To increase competition and innovation, countries are pushing out initiatives related to Open Banking. Open Banking allows fintechs to leverage on banks’ data to provide and extend their offerings to bank customers.

Regulators around the world have undertaken different approaches: the UK pioneered Open Banking, launching the initiative in January 2018 and mandating nine UK banks to open up their data via a set of APIs, Singapore’s MAS is encouraging financial institutions to adopt Open API, and Hong Kong released its Open API Framework in July 2018.

Collaboration among regulators

Regulators and policymakers around the world are working closer together to develop and grow fintech across markets. Together with fintech industry associations, regulators are forming partnerships globally to share leading practices, experiences and frameworks, and help fintech firms export their services and expand in one another’s markets.

Regulators in the UK, Singapore and Australia have entered into the most number of bilateral agreements with other regulators, according to the report.

Public accelerator programs

Hubs globally have recognized the significance of incubators and accelerator programs aimed at developing startups by providing mentoring, funding, training, networking, and marketing and public relation opportunities.

Dubai’s DIFC runs the Fintech Hive accelerator program, which focuses on fintech opportunities in the Middle East, Africa and South Asia (MEASA) region, the Abu Dhabi Global Market tied up with Silicon Valley’s Plug and Play in October 2017 to launch its fintech accelerator, and Singapore’s MAS runs its global accelerator program Global Fintech Hackcelerator each year.

Support from traditional financial institutions

Besides government-led initiatives, financial institutions globally too are supporting the fintech sector through various initiatives. Banks such as Citi, HSBC, BBVA, United Overseas Bank and Bank Mandiri, have launched dedicated funds to invest in fintech ventures. Banks are also actively engaging with fintechs through innovation labs, hackathons and accelerator programs.

Emergence of fintech global platforms

Through fintech events and programs, several hubs are providing fintechs with a platform to connect, collaborate and network with investors, tech players, industry participants and regulators.

Examples include the annual week-long Singapore Fintech Festival, organized by MAS in partnership with the Association of Banks in Singapore and in collaboration with SingEx Holdings, and the annual Hong Kong Fintech Week, hosted by Invest Hong Kong (InvestHK), which offers a window into Hong Kong’s position as Asia’s financial hub and an entry point to China and the Greater Bay Area.

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