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数字银行Chetwood获正式英国银行业务许可

本周,英国新兴数字银行Chetwood宣布获得完整的英国银行业务许可。

不仅如此,Chetwood随后还获得了对冲基金Elliot Management的4000万英镑资金支持,而这也是其2018年允诺的1.5亿英镑股权投资的一部分。

Chetwood成立于2016年晚些时候,最初推出了一款名为LiveLend Reward Loan的消费贷款产品,贷款利率会随着客户信用评级的提高而改变。2019年第一季度末,Chetwood还计划推出一款储蓄产品。

Chetwood首席执行官兼联合创始人Andy Mielczarek表示,Chetwood希望摆脱传统的银行运营理念,通过数据科学和云端技术降低运营成本,提高服务效率。此外,Chetwood不仅要推广自己的产品和服务,还准备将其核心银行平台技术授权其他银行使用。

自2018年2月正式开始放贷以来,Chetwood没有公布任何财务数据,但Milczarek告诉表示,目前Chetwood每周的贷款额大约为数百万美元,并可能在未来18到24个月内实现盈利。

Chetwood Financial, which is backed by UK hedge fund Elliot Management, is the latest challenger bank to be granted a full UK banking licence.

The licence award follows a £40 million cash injection from Elliot, part of a £150 million equity commitment made in 2018.

Chetwood launched in late 2016 with a consumer lending product, LiveLend Reward Loan, which amends its lending rates as customers' credit rating improves. It will now look to launch a savings product before the end of Q1 2019.

Based in Wales, Chetwood's CEO and co-founder Andy Mielczarek claims that the newly licenced bank will differentiate from its rivals through the use of data science and technology to offer banking products to specific customer groups currently underserved by traditional banks.

Mielczarek, a former deputy head of HSBC's UK retail bank, also believes that Chetwood's Welsh base and cloud-based platform Yobota has lowered its operating costs in comparison to other challenger banks.

The bank is also looking to move away from the traditional "owning customers" banking model says Mielczarek. To this end, it will partner with existing companies to distribute products rather than rely solely on its own brand and it will also look to licence its core banking platform to other banks.

No financial figures have been released by Chetwood since it began lending in February 2018 but Milczarek told the Financial Times that the company is "extending millions a week" in loans and expects its balance sheet to extend into the "hundreds of millions of pounds" later this year.

He also forecast that Chetwood will become profitable within 18 to 24 months and self-capitalised within three years.

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