最有看点的互联网金融门户

最有看点的互联网金融门户
专栏全新的互联网金融模式国际资讯基于互联网平台的金融业务投融资

那些年,国际金融公司投资过的金融科技创企(美洲篇)

专栏全新的互联网金融模式国际资讯基于互联网平台的金融业务投融资

那些年,国际金融公司投资过的金融科技创企(美洲篇)

过去这些年,技术、电信和金融服务产业快速发展,几个行业之间的互动交流也越来越多,并就此派生了“金融科技”这个新兴产业,帮助各国拓展金融服务渠道,克服发展过程中的各种挑战。

而作为一家有着多年技术、电信和金融投资历史的机构,国际金融公司(简称IFC)在金融科技投资方面自然也是不甘落后。

来自IFC官方网站的数据显示,截止2017年年中,IFC共为全球早期和成长阶段的金融科技创企提供了超过3.2亿美元的股权和债务投资,主要涉及技术驱动型的金融基础设施、金融产品、服务及分销领域创新。

除基本的资金支持外,IFC还致力于成为金融科技创企的长期合作伙伴,为其提供其他成长所需的专业知识和国际市场经验。

在接下来的这个系列文章中,我们将以美洲、欧洲、非洲和亚洲为主题,分别为您介绍一下过去这些年IFC投资过的金融科技创企。

今天,我们首先来介绍一下美洲地区获得IFC青睐的创企。

墨西哥

EFactor-eFactor Network是一家墨西哥金融科技公司,公司汇聚众多优秀的金融、技术和客户服务人才,通过网络平台向希望提前折现账户应收账款的供应商提供电子保理。公司采用多资金、多区域和多货币模式,可以通过资金多样化来降低融资风险,并根据您供应商的支付条款将国内外银行与货币结合,通过更大的融资来扩大规模。eFactor Network以比索、美元和欧元为运营货币,并与国内供应商以及来自20多个国家/地区的外国供应商合作。公司由Héctor de la Garza负责,在蒙特雷、墨西哥城和El Bajío均设有办事处。

Konfio-Konfio是一个在线墨西哥借贷平台,采用通过技术衡量信誉的合适算法,帮助拉丁美洲资金不足的微型企业获得便捷且负担得起的贷款。该平台为小型企业提供贷款,帮助他们以具有竞争力的价格和在线流程扩大运营规模并发展业务。Konfio成立于2013年,资金来自由Quona Capital、QED Investors、Kaszek Ventures和Jaguar Ventures管理的Accion Frontier Inclusion Fund,用于加强平台的运营、扩大用户群体并采用企业实践。

阿根廷

Afluenta-Afluenta是阿根廷领先的P2P借贷市场,通过其专有的在线平台将个人和机构贷款人与借款人联系起来。Afluenta通过对各种机构和个人贷款人进行评分和匹配,使消费者能够以更低的费率更有效地获得信贷。这种高度创新和发展的模式可以通过创新的交付渠道显著增加金融服务的获取,节省人们的时间和金钱以及融资成本。

Invoinet-Invoinet是第一个交互式发票管理门户,让客户、供应商和资金提供商共同交互,以管理发票和运营资金融资。迄今为止,该平台已为100多个国家/地区的20万名用户处理了2000多万份发票,价值450亿美元。云端系统通过其发票市场提供实时信息,提高账户应收账款和应付账款流程的透明度。

Moni-通过其在线和应用门户,Moni提供现金垫付、账单支付服务和小额贷款。公司计划在未来提供其他服务,如充值、P2P转账和借记卡/信用卡。

DineroMail-(已退出投资)-DineroMail是拉丁美洲的支付服务提供商(PSP)。作为电子支付处理商,DineroMail使中小企业能够接受客户通过互联网购买商品和服务时采取的多种支付方式(电子和现金)。 Dineromail运营范围涉及阿根廷、巴西、智利、哥伦比亚和墨西哥。Naspers在2011年获得了公司多数股权,并在2013年将其股权增加至100%。

哥伦比亚

Movilred-Movilred是哥伦比亚最大的交易网络,提供充值和支付服务。公司有8万多家大小零售商,提供国内汇款、票据支付、代理银行、公共交通再充值和非银行金融服务。

美国

Branch-Branch为移动一代提供世界一流的金融服务。智能手机的普及为全球新兴中产阶级提供了一个难得的机会,让他们可以获得银行服务并实现财务灵活性。Branch正在肯尼亚、坦桑尼亚和尼日利亚通过无障碍移动借贷改革非洲的银行业,并将很快扩展到全球其他地区。

LMRKTS-LMRKTS提供投资组合交易压缩服务,包括识别冗余衍生品交易风险,并推荐抵消交易风险,以减少交易合约和系统风险。目前,公司主要为银行和中央合约清算所提供服务。其专有算法已被证明可以高效消除客户风险,并且不会过多导致现有金融基础设施的运营中断。LMRKTS成立于2012年,总部位于纽约市,目前正在筹集资金以扩大员工、运营和服务规模。

Remitly-Remitly是一种移动支付服务,使消费者能够便捷地从美国进行个人对个人的国际汇款。其在线服务使用最新技术和移动设备,消除了不必要的传统汇款流程中的表格、代码、代理商以及额外的时间和费用,从而颠覆了每年5880亿美元的行业。作为许可货币发送商,Remitly目前在49个州和华盛顿特区运营,每月向数千名客户发送汇款数百万美元。

SafetyPay-SafetyPay通过客户自己的在线银行账户提供安全的电子支付方式。该公司的开发旨在满足对安全可靠的在线支付日益增长的需求。SafetyPay提供实时全球支付解决方案,使客户能够安全地从全球商家进行在线购物,并通过当地银行账户以所选货币直接付款。迄今为止,SafetyPay与全球金融机构合作,平台拥有2,000多家商户和2.5亿消费者。 SafetyPay解决方案使用范围覆盖拉丁美洲、美国、欧洲和加拿大。

Viamericas-Viamericas提供快速安全的汇款支付服务。该公司在美国拥有3000多家代理商,超过32,000个现金支付地点,并可直接存入18个拉丁美洲国家/地区的银行账户。 Viamericas在墨西哥和哥伦比亚设有区域运营中心。

VPC-Victory Park Capital("VPC")是一家领先的投资公司,致力于在全球范围内提供灵活的债务和机会权益解决方案。与IFC合作推出的新基金将把债务资本投资于金融科技公司,这些公司向新兴市场的小企业和消费者提供贷款。

Quona-Quona Capital是一家风险投资公司,投资新兴市场的早期至早期成长阶段的金融科技公司。Quona投资的公司正通过技术改善撒哈拉以南非洲、拉丁美洲和亚洲服务不足的消费者和企业所享受的金融服务的质量、可及性和可负担性。

Yellowpepper-Yellowpepper在拉丁美洲提供移动银行和支付解决方案。公司成立于2004年,总部位于迈阿密,目前在六个国家/地区开展业务,每月使用其产品的平均客户总量为500万。Yellowpepper提供自己的移动钱包、白标移动支付平台和全面的移动银行套件,投资者包括Latin Idea Ventures。

乌拉圭

Scanntech-Scanntech是一个技术平台,将独立商店与消费品公司(CPG)、服务公司和金融机构联系起来。通过Scanntech,消费品公司可以率先获得有关其在新兴市场的主要销售渠道的可靠市场数据,并直接在商店层面实施和衡量促销。独立商店受益于以复杂促销和其他服务的形式接触大型消费品公司,从而吸引新客户并增加客流量。公司在多个南美国家/地区开展业务,包括乌拉圭、巴西和阿根廷。Sequoia Capital是Scanntech的股东。

智利

ComparaOnline-Compara Online是一个同时覆盖智利、巴西和哥伦比亚的在线保险市场。它可以帮助客户获取和比较竞争保险提供商的报价。利用信息技术,该公司目前专注于汽车保险。Compara Online于2014年成为智利和巴西的许可保险经纪商。

巴西

Creditas Group-Creditas(前身为BankFacil)是一个专注于担保贷款的数字借贷平台。  Creditas利用技术和数据作为效率驱动因素,重塑担保贷款体验,从而解决巴西人口的高借贷成本问题。Creditas通过投资者和金融机构为其客户贷款提供资金,实现双赢的合作关系,提高整个行业的效率。公司核心产品包括房屋净值和汽车贷款,借款人提供自己的住宅或车辆作为优先留置权贷款产品的抵押品。

GuiaBolso-GuiaBolso是巴西首个个人财务管理(PFM)应用。该应用可帮助消费者预算和管理自己的财务状况,目前已有200多万巴西人使用该产品,并且用户每个月都在迅速增加。 GuiaBolso使用用户共享的信息,通过对巴西所有金融服务提供商开放的市场帮助用户寻找合适的金融产品。其他投资者包括Ribbit Capital、QED Investors、Valor Capital和Kaszek Ventures。

Koin-Koin使用风险承保算法,允许电子商务买家在收到货物后付款,并为买家提供分期付款等更方便的支付选项。商家可以享受更高的转化率、更高的客户忠诚度以及更低的欺诈和退款风险。

Recarga-RecargaPay致力于实现移动支付的大众化。为此,RecargaPay允许银行和无银行账户在同一个移动货币生态系统中无缝交易,以支付充值、账单、交通卡、礼品卡等等。

IFC has a long history of supporting the technology, telecommunications, and financial services sectors. Financial Technology is at the core of the growing interaction between those industries. It holds great potential to help countries overcome development challenges, by making widespread access to financial services possible.

The FinTech investment team focuses on technology-driven innovation in financial infrastructure, products, services, and their distribution. By mid-2017, we had invested over $320 million in equity and debt in early- and growth-stage FinTech companies around the globe.

We aim to be a long-term partner to the FinTech companies we support—with growth and expansion capital, sector knowledge, and our global expertise and presence.

Mexico

EFactor-Integrated by the best financial, technological and customer service talent, eFactor Network is a Mexican fintech company that provides, through its web platform, electronic factoring to suppliers who wish to discount their accounts receivable in advance. With a multi-funding, multi-region and multi-currency model, it is possible to mitigate financing risks through the diversification of funding and increase the scale through greater financing offer by integrating domestic and foreign banks into the currency according to the terms of payment with your suppliers. eFactor Network operates in pesos, dollars and euros with suppliers in Mexico and foreign suppliers located in more than 20 countries. eFactor Network is led by Héctor de la Garza and has offices in Monterrey, Mexico City and El Bajío.

Konfio-Konfio is an online Mexican lending platform that helps financially underserved microenterprises in Latin America to obtain convenient and affordable loans through a propriety algorithm that uses technology to measure creditworthiness. The platform grants small businesses loans that help them grow their operations and develop their businesses with competitive rates and through an online process. Founded in 2013, Konfio uses its funding received from the Accion Frontier Inclusion Fund managed by Quona Capital, QED Investors, Kaszek Ventures, and Jaguar Ventures to strengthen the platform's operations, grow its user base, and adopt corporate practices.

Argentina

Afluenta-Afluenta is the leading P2P lending marketplace in Argentina, connecting individual and institutional lenders with borrowers through its proprietary online platform. Afluenta offers consumers the ability to access credit more efficiently, at lower rates, by scoring and matching them with a wide variety of institutional and individual lenders. This highly innovative and developmental model has the potential to significantly increase access to financial services through innovative delivery channels, saving people time and money and financing costs.

Invoinet-Invoinet is the first interactive invoice management portal where customers, suppliers and funds providers interact together for the management of invoices and the financing of working capital. To date, the platform has processed over 20 million invoices worth $45 billion for 200,000 users in over 100 countries. The cloud-based system provides real-time information through its invoice marketplace increasing transparency in accounts receivable and accounts payables processes.

Moni-Moni offers consumers over-the-top financial services in Argentina. Through its online and app portals, Moni offers cash advances, bill payment services, and micro-installment loans. The Company plans on offering other services such as top-up, P2P transfers, and debit/credit cards in the future.

DineroMail-(EXIT)-DineroMail is a Payment Service Provider (PSP) in Latin America. As an electronic payments processor, DineroMail enables SMEs to accept multiple payment methods-both electronic and cash-from customers for goods and services purchased through the internet. Dineromail has operations in Argentina, Brazil, Chile, Colombia, and Mexico. Naspers acquired a majority ownership in 2011 and increased its stake to 100% in 2013.

Colombia

Movilred-Movilred is Colombia's largest transaction network providing access to top-up and payment services. The Company has more than 80,000 large and small retailers, offering domestic money transfer, bill payment, correspondent banking, public transportation recharge services and non-bank financial services.

US

Branch-Branch delivers world-class financial services to the mobile generation. The spread of smartphones presents an incredible opportunity for the world's emerging middle class to access banking options and achieve financial flexibility. Branch is revolutionizing banking in Africa through accessible mobile lending in Kenya, Tanzania and Nigeria, and will soon expand to other regions across the globe.

LMRKTS-LMRKTS provides portfolio trade compression services which involves identifying redundant derivatives trade exposure and recommending offsetting ones to reduce counterparty and systemic risk. At present, the Company primarily serves banks and central counterparty clearing houses. Its proprietary algorithms have been demonstrated to eliminate client exposures with high efficiency and with little operational disruption to existing financial infrastructure. The Company was founded in 2012 and is headquartered in New York City. LMRKTS is raising funds to expand its staff, operations, and services.

Remitly-Remitly is a mobile payments service that enables consumers to conveniently make person-to-person international money transfers from the United States. Its online service is disrupting the $588 billion a year industry by using the latest technology and mobile devices to eliminate unnecessary forms, codes, agents, extra time and fees tied to the traditional money transfer process. As a licensed money transmitter, Remitly currently operates in 49 states and Washington, D.C., and sends millions of dollars to thousands of customers each month.

SafetyPay-SafetyPay provides a secure e-payment method through the customers' own online bank account. The Company was developed in response to the growing need for safe and secure online payments. SafetyPay offers a real-time global payment solution that enables customers to securely make online purchases from merchants worldwide and pay directly through their local bank account in the currency of choice. To date, SafetyPay works with financial institutions worldwide, reaching more than 2,000 merchants and 250 million consumers under one platform. The SafetyPay solution is available in the Latin America, USA, Europe and Canada.

Viamericas-Viamericas offers fast and secure remittance payment services. The Company has over 3,000 agents in the United States and over 32,000 cash payout locations and direct deposits to banks accounts in 18 Latin American countries. Viamericas has regional operating centers in Mexcio and Colombia.

VPC-Victory Park Capital ("VPC") is a leading investment firm focused on providing flexible debt and opportunistic equity solutions worldwide. The new fund launched with IFC will invest debt capital in financial technology companies that lend to small businesses and consumers in emerging markets.

Quona-Quona Capital is a venture capital firm that invests in early to early-growth stage financial technology companies in emerging markets. Quona invests in companies where technology is improving the quality, access and affordability of financial services for underserved consumers and businesses in Sub-Saharan Africa, Latin America and Asia.

Yellowpepper-Yellowpepper provides mobile banking and payment solutions in Latin America. Founded in 2004, The Miami-based company now operates in six countries with a current customer base of 5 million monthly users. Yellowpepper offers its own mobile-wallet, white-labeled mobile-payment platforms, and a comprehensive mobile banking suite. Yellowpepper's investor base includes Latin Idea Ventures.

Uruguay

Scanntech-Scanntech is a technological platform that connects independent stores to consumer products companies (CPGs), services companies, and financial institutions. Through Scanntech, CPGs can for the first time obtain reliable market data about their primary sales channel in emerging markets and directly implement and measure promotions at store level. The independent stores benefit from having access to large CPGs in the form of sophisticated promotions and other services that attract new customers and increase foot traffic. The Company has operations in several South American countries, including Uruguay, Brazil, and Argentina. Sequoia Capital is a shareholder in Scanntech.

Chile

ComparaOnline-Compara Online is an online marketplace for insurance in Chile, Brazil and Colombia. It helps customers access and compare quotes from competing insurance providers. Leveraging information technology, the company currently focuses on car insurance. Compara Online became a licensed insurance broker in Chile and Brazil in 2014.

Brazil

Creditas Group-Creditas (formerly BankFacil) is a digital lending platform focused on secured lending. Creditas is tackling the high borrowing cost problem of the Brazilian population by reinventing the secured lending experience using technology and data as efficiency drivers. Creditas funds its customer loans both through investors and financial institutions, in a win-win partnership that provides efficiency for the entire industry. Core products include a version of home equity and auto loans, in which the borrowers offer their residences or vehicles as a collateral for a first-lien lending product.

GuiaBolso-GuiaBolso is the first Personal Financial Management (PFM) app in Brazil. The app helps consumers to budget and manage their finances and is used by over 2 million Brazilians today, growing rapidly every month. Guia Bolso uses the information shared by its users to help them find suitable financial products through a marketplace that is open to all financial service providers in Brazil. Other investors include Ribbit Capital, QED Investors, Valor Capital and Kaszek Ventures.

Koin-Koin uses risk underwriting algorithms to allow ecommerce buyers payment after they have received the goods and offers buyers more convenient options to pay, including installments. Merchants benefit from higher conversion rates, higher customer loyalty and less risk of fraud and chargebacks.

Recarga-RecargaPay's mission is to democratize mobile payments. To do so, RecargaPay is allowing the banked and unbanked to transact seamlessly in the same mobile money ecosystem to pay for top-ups, bill pay, transport cards, gift cards and much more.

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