最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯投融资

金融科技创企Plaid斥资2亿美元收购初创平台Quovo

本周,金融科技公司Plaid进行了首次重大收购。

据知情人士透露,本次交易金额高达2亿美元,而收购目标则是另外一家开展同类业务的金融科技创企Quovo。

Plaid的技术能够将用户的银行账户与Venmo、Robinhood、Coinbase和Acorns等金融科技应用相关联。截至去年12月,这家总部位于旧金山的公司表示,25%拥有银行账户的美国人已经通过应用程序与Plaid建立了联系。

最近,这家初创公司刚刚以27亿美元的估值筹集了2.5亿美元,并邀请Kleiner Perkins合伙人Mary Meeker加入其董事会。

与Plaid一样,Quovo也可以将客户的财务账户与面向消费者的应用程序联系起来。但这家总部位于纽约的公司过去更关注投资和经纪数据。其客户包括包括Betterment、Wealthfront和SoFi在内的金融科技公司,以及Stifel、Vanguard、Empower Retirement和John Hancock等老牌企业。

本次收购为Plaid的进一步市场拓展奠定了基础。此外,借助Plaid的API接口,开发商和金融公司可以更直接和全面地了解用户账户情况,比如存款多少、资产类别等,以便在借款资质审核评定时提供参考。

Plaid的API吸引了高盛、花旗集团和美国运通的风险投资。其他支持者包括Andreessen Horowitz,Index Ventures,NEA,Google的风险投资部门和Kleiner Perkins。

Plaid还在关联的银行账户中新增了分析功能,帮助应用用户执行预算或费用管理等操作。此外,它可以提供授权银行账户的直接工资存款和电子账单支付、验证用户身份、实时验证账户余额等多项功能。

 

 

Fintech firm Plaid is making its first major acquisition.

The company announced Tuesday it will buy a similar start-up called Quovo for just south of $200 million, according to a source familiar with the deal, who asked not to be named because negotiations were private.

Plaid's technology links bank accounts to fintech apps like Venmo, Robinhood, Coinbase and Acorns. As of December, the San Francisco-based company said 25 percent of Americans with bank accounts had connected to Plaid through an app. The start-up recently raised $250 million at a $2.7 billion valuation and added Kleiner Perkins partner Mary Meeker to its board.

Like Plaid, Quovo links customers' financial accounts with consumer-facing apps. But the New York-based firm has historically focused on more investment and brokerage data. Its customers range from fintech companies including Betterment, Wealthfront and SoFi to incumbents like Stifel, Vanguard, Empower Retirement and John Hancock.

The marriage tees up Plaid for expansion and gives it another leg up in an application programming interface business it was already beginningto dominate.

The companies will now exist on a single platform that developers and large companies can use to build any financial application, according to Plaid's co-founders. CEO Zach Perret said the deal will allow Plaid to get a more "holistic" view of a users' financial life.

He used the example of a fintech lending app. In order to see whether or not someone could pay back a loan, an app might ask for a user's permission to see the balance in their checking account. Plaid can provide that. But adding Quovo gives them a view of other assets that might be in a brokerage account.

"It creates a more holistic financial picture," Perret told CNBC. "That's crucial when you think about the future of finance becoming more digital."

In order to link bank accounts with Venmo and others, applications rely on a protocol known as application programming interface.

Plaid's APIs have attracted investments from the venture arms of Goldman Sachs, Citigroup and American Express, and some say, has helped accelerate the growth of the payment sector over the past five years. Its other backers include Andreessen Horowitz, Index Ventures, NEA, the venture arm of Google, and Kleiner Perkins.

Plaid also adds analysis on top of the bank account so app users are able to do things like budgeting or expense management. It can authenticate bank accounts for direct payroll deposits and electronic bill payments, verify someone's identity, verify someone's balance in real time and understand income and employment.

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

万事达卡与PayPal共同倡议科技巨头与银行加强合作

Pymnts 19小时前

从校园到公司:MIT探索金融科技初创企业新模式

渺渺 19小时前

欧盟多家机构携手发布金融科技监管报告

JD Alois | CROWDFUND ... 1天前

金融科技创企Plaid入选2018年硅谷十大独角兽企业名单

MM 1天前

合规人员成金融科技领域热门新岗位

栀航 1天前

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1