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宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋

之家哥 2017-11-14 04:12:34
摘要
网贷之家小编根据舆情频道的相关数据,精心整理的关于《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》的精选文章10篇,希望对您的投资理财能有帮助。

宜信财富成为美国证交会(SEC)注册投资顾问资产证券化将成为网贷领域大势所趋》 精选一

1

宜信财富成为美国证券交易委员会(SEC)注册投资顾问

星评解读

宜信财富管理公司近期获美国证券交易委员会批准,得到注册投资顾问资格。美国是宜信在海外扩张的第一站,如今该公司可以开始向美国投资者提供投资建议,标志着其全球化的又一重要里程碑,尤其将更好地服务于世界各地的中国投资者

【原文详情】

CreditEase Wealth Management has recently been approved by U.S. Securities and Exchange Commission (SEC) as a registered investment advisor (RIA). At its first stop overseas, the firm can start providing advice to investors in the U.S., representing a globalization milestone to better serve especially Chinese investors around the world.

2

资产证券化将成为网贷领域大势所趋

星评解读

超过3千万英榜由英国P2P平台Landbay发起的贷款已被纳入一项规模更大的购转租贷款资产证券化,据悉这项资产证券化产品指数达到AAA。此外,近年来美国网贷交易规模增长也尤为迅猛,资产证券化作为一种融资手段,将成为市场借贷替代金融领域的大势所趋。

【原文详情】

More than £30m of loans originated by UK peer-to-peer platform Landbay have been included in a larger securitization of buy-to-let loans awarded an AAA rating. Securitization, as a means of funding, is a strong trend in the marketplace lending/alternative credit space, with the US in particular seeing strong growth in volumes.

3

P2P网贷平台RateSetter净贷款量下降

星评解读

最新的市场数据显示,MarketInvoice在贷款发起量上首度赶超RateSetter。目前,英国P2P行业“三巨头”中的两家平台已经得到授权,将很快推出他们的创新金融ISA服务。而另一家平台便是RateSetter,至今仍未得到授权,近几个月来,就不得不做出一些改变来适应监管部门的要求。值得一提的是,RateSetter不得不停止其批发贷款的业务。从AltFi Data的最新数据来看,RateSetter的贷款发起量明显在放缓。

【原文详情】

Latest market data shows MarketInvoice has caught up to RateSetter in monthly originations for the first time.

Two of the UK’s “big three” peer-to-peer lenders are authorised, and will soon launch their Innovative Finance ISAs. The other, RateSetter, is not yet authorised, and has had to make a few changes to suit the requirements of the regulator in recent months. Mostly notably it has had to put a stop to its wholesale lending business. Using the latest figures from AltFi Data, is that its lending is slowing down significantly.

4

Funding Circle上市基金步入正轨但仍警示脱欧风险

星评解读

Funding Circle的上市基金在其第一个完整年度的运营表现与预期相符,其资产净值增长了11%,达到1.648亿英镑。Funding Circle的中小企业收入基金于2015年推出,由伦敦证券交易所主板市场报价,让P2P平台贷款获得更大范围的投资者青睐。根据上周五发布的年度报告,截止到2017年5月31日,在过去四个季度里,投资者获得了每股6.5便士的股息,达到了6~7便士股息的目标。

【原文详情】

FUNDING Circle’s listed fund performed in line with expectations in its first full year of operation, which saw its net asset value increase by 11 per cent to £164.8m.

The Funding Circle SME Income Fund, which is quoted on the main market of the London Stock Exchange, launched in November 2015 to give a wider range of investors access to the peer-to-peer platform’s loans.

In its annual report for the year to 31 March 2017, released on Friday, it said that investors received dividends of 6.5p per share over the last four quarters, in line with the target of 6-7p per share.

END

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更多关于互金行业风险指数深度研究

请访问星评社官网(www.xpshe.com)

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选二

1

宜信财富成为美国证券交易委员会(SEC)注册投资顾问

星评解读

宜信财富管理公司近期获美国证券交易委员会批准,得到注册投资顾问资格。美国是宜信在海外扩张的第一站,如今该公司可以开始向美国投资者提供投资建议,标志着其全球化的又一重要里程碑,尤其将更好地服务于世界各地的中国投资者。

【原文详情】

CreditEase Wealth Management has recently been approved by U.S. Securities and Exchange Commission (SEC) as a registered investment advisor (RIA). At its first stop overseas, the firm can start providing advice to investors in the U.S., representing a globalization milestone to better serve especially Chinese investors around the world.

2

资产证券化将成为网贷领域大势所趋

星评解读

超过3千万英榜由英国P2P平台Landbay发起的贷款已被纳入一项规模更大的购转租贷款资产证券化,据悉这项资产证券化产品指数达到AAA。此外,近年来美国网贷交易规模增长也尤为迅猛,资产证券化作为一种融资手段,将成为市场借贷及替代金融领域的大势所趋。

【原文详情】

More than £30m of loans originated by UK peer-to-peer platform Landbay have been included in a larger securitization of buy-to-let loans awarded an AAA rating. Securitization, as a means of funding, is a strong trend in the marketplace lending/alternative credit space, with the US in particular seeing strong growth in volumes.

3

P2P网贷平台RateSetter净贷款量下降

星评解读

最新的市场数据显示,MarketInvoice在贷款发起量上首度赶超RateSetter。目前,英国P2P行业“三巨头”中的两家平台已经得到授权,将很快推出他们的创新金融ISA服务。而另一家平台便是RateSetter,至今仍未得到授权,近几个月来,就不得不做出一些改变来适应监管部门的要求。值得一提的是,RateSetter不得不停止其批发贷款的业务。从AltFi Data的最新数据来看,RateSetter的贷款发起量明显在放缓。

【原文详情】

Latest market data shows MarketInvoice has caught up to RateSetter in monthly originations for the first time.

Two of the UK’s “big three” peer-to-peer lenders are authorised, and will soon launch their Innovative Finance ISAs. The other, RateSetter, is not yet authorised, and has had to make a few changes to suit the requirements of the regulator in recent months. Mostly notably it has had to put a stop to its wholesale lending business. Using the latest figures from AltFi Data, is that its lending is slowing down significantly.

4

Funding Circle上市基金步入正轨但仍警示脱欧风险

星评解读

Funding Circle的上市基金在其第一个完整年度的运营表现与预期相符,其资产净值增长了11%,达到1.648亿英镑。Funding Circle的中小企业收入基金于2015年推出,由伦敦证券交易所主板市场报价,让P2P平台贷款获得更大范围的投资者青睐。根据上周五发布的年度报告,截止到2017年5月31日,在过去四个季度里,投资者获得了每股6.5便士的股息,达到了6~7便士股息的目标。

【原文详情】

FUNDING Circle’s listed fund performed in line with expectations in its first full year of operation, which saw its net asset value increase by 11 per cent to £164.8m.

The Funding Circle SME Income Fund, which is quoted on the main market of the London Stock Exchange, launched in November 2015 to give a wider range of investors access to the peer-to-peer platform’s loans.

In its annual report for the year to 31 March 2017, released on Friday, it said that investors received dividends of 6.5p per share over the last four quarters, in line with the target of 6-7p per share.

END

点击图片即可参加活动,人人有奖!

更多关于互金行业风险指数深度研究

请访问星评社官网(www.xpshe.com)

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选三

大家好!我是暑假版海外资讯

夏天除了西瓜和沙滩

海外旅游还有我们星评资讯更配噢

01

Peer IQ 获得A轮融资1200万美元,此轮资金将用于借贷市场数据获取以及平台分析

专注于借贷行业数据服务和分析的平台PeerIQ 今日宣布已经获得1200万美元的A轮融资,该轮融资由环联、赫斯特风投基金、麦格理集团联合领投,Uprising公司和前摩根士丹利CEO约翰马克也参与了投资。在新资本注入之后,PeerIQ将会扩张其核心平台为客户带来更多有价值的服务,将互联网金融与传统借贷市场相结合,并和战略合作伙伴一起开发更多新产品。

【原文详情】

PeerIQ, a provider of data and analytics for the lending sector, today announced that it has closed a $12 million Series A funding round, co-led by TransUnion, Hearst’s Financial Venture Fund and Macquarie Group, along with e**sting investors Uprising and former Morgan Stanley CEO John Mack. With the new capital, PeerIQ will expand its core platform to unlock more value for its clients, extend beyond online into traditional lending markets, and collaborate on new product initiatives with its strategic partners.

02

谁将成为第一家破30亿英镑成交量的P2P企业?

来自英国P2P自律协会的最新一个季度贷款数据报告分析了英国三大P2P平台成长为成交量20亿英镑的巨型平台背后之原因,并指出下一个十亿的关键所在。Zopa的成交量在今年初已经突破20亿英镑大关,并在第二季度末达到24亿英镑。按季度增长来算,其增幅达到了9.8%,而年增长率更是达到35.4%。Funding Circle是在2月份到达20亿大关,同样,在第二季度末,和其竞争对手Zopa一样达到了24亿英镑,相比第一季度增长了12%,年增长率达到45%。而另一家大平台RateSetter也于上周达到20亿成交灵,在第二季度末其成交量为19亿英镑,第二季度增长9.6%,年增长率达到35.9%。

【原文详情】

The latest quarterly loanbook figures from the Peer-to-Peer Finance Association (P2PFA) give interesting insight into how the big three have grown to £2bn and what could be in store as they aim to attract their next £1bn from investors.Zopa’s loanbook reached £2bn in January and was at £2.4bn as of the end of the second quarter of 2017, P2PFA figures show.On a quarterly basis it has grown by 9.8 per cent and 35.4 per cent annually.Funding Circle, which hit £2bn in February and was at £2.4bn by the end of the second quarter, saw 12 per cent growth since the first quarter and 45 per cent annually.Meanwhile, RateSetter, which hit £2bn last week, had £1.9bn at the end of quarter two, up 9.6 per cent since the first quarter and up 35.9 per cent annually.

03

竞争监管机构确认年度百分比率规则不再适用于P2P平台,P2P平台必须主动披露

商业贷款新定价规则将不适用于P2P平台,英国竞争与市场管理局已经对此进行了确认。从今天开始,所有的无担保贷款和透支的提供商,只要达到了2万5英镑规模的中小企业,将必须公布并清晰地披露年度百分比率。

【原文详情】

NEW pricing rules on business loans will not apply to peer-to-peer lenders, the Competition and Markets Authority (CMA) has confirmed.From today, all providers of unsecured loans and overdrafts worth up to £25,000 to small- and medium-sized enterprises (SMEs), will have to publish and clearly display the annual percentage rates (APRs.)

04

英国金融科技投资创18个月新高

研究显示,英国金融科技投资在6月创下18个月新高。从KPMG最新金融科技报告来看,英国金融科技投资额在2017年第二季度达到14亿美元(折合英镑11亿),比上一年同期增加1亿美元,相比第一季度增加10亿美元。通过master卡支付系统Vocalink的成交额为9.2亿美元。但是在交易笔数上,从47笔下降到了36笔。

【原文详情】

INVESTMENT in UK fintech hit an 18-month high in June, research suggests.Data from the latest KPMG Pulse of Fintech report shows investment in UK fintech during the second quarter of 2017 was worth $1.4bn (£1.1bn), up from $0.1bn year-on-year and $1bn more than in the first quarter.The value was boosted by Mastercard’s purchase of payments system Vocalink for $920m in May.However, the number of deals in the UK dropped from 47 to 36.

欲了解更多关于互金行业风险指数深度研究

请点击下方“阅读全文”进入星火调研情报局

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选四

大家好!我是暑假版海外资讯

夏天除了西瓜和沙滩

海外旅游还有我们星评资讯更配噢

01

Peer IQ 获得A轮融资1200万美元,此轮资金将用于借贷市场数据获取以及平台分析

专注于借贷行业数据服务和分析的平台PeerIQ 今日宣布已经获得1200万美元的A轮融资,该轮融资由环联、赫斯特风投基金、麦格理集团联合领投,Uprising公司和前摩根士丹利CEO约翰马克也参与了投资。在新资本注入之后,PeerIQ将会扩张其核心平台为客户带来更多有价值的服务,将互联网金融与传统借贷市场相结合,并和战略合作伙伴一起开发更多新产品。

【原文详情】

PeerIQ, a provider of data and analytics for the lending sector, today announced that it has closed a $12 million Series A funding round, co-led by TransUnion, Hearst’s Financial Venture Fund and Macquarie Group, along with e**sting investors Uprising and former Morgan Stanley CEO John Mack. With the new capital, PeerIQ will expand its core platform to unlock more value for its clients, extend beyond online into traditional lending markets, and collaborate on new product initiatives with its strategic partners.

02

谁将成为第一家破30亿英镑成交量的P2P企业?

来自英国P2P自律协会的最新一个季度贷款数据报告分析了英国三大P2P平台成长为成交量20亿英镑的巨型平台背后之原因,并指出下一个十亿的关键所在。Zopa的成交量在今年初已经突破20亿英镑大关,并在第二季度末达到24亿英镑。按季度增长来算,其增幅达到了9.8%,而年增长率更是达到35.4%。Funding Circle是在2月份到达20亿大关,同样,在第二季度末,和其竞争对手Zopa一样达到了24亿英镑,相比第一季度增长了12%,年增长率达到45%。而另一家大平台RateSetter也于上周达到20亿成交灵,在第二季度末其成交量为19亿英镑,第二季度增长9.6%,年增长率达到35.9%。

【原文详情】

The latest quarterly loanbook figures from the Peer-to-Peer Finance Association (P2PFA) give interesting insight into how the big three have grown to £2bn and what could be in store as they aim to attract their next £1bn from investors.Zopa’s loanbook reached £2bn in January and was at £2.4bn as of the end of the second quarter of 2017, P2PFA figures show.On a quarterly basis it has grown by 9.8 per cent and 35.4 per cent annually.Funding Circle, which hit £2bn in February and was at £2.4bn by the end of the second quarter, saw 12 per cent growth since the first quarter and 45 per cent annually.Meanwhile, RateSetter, which hit £2bn last week, had £1.9bn at the end of quarter two, up 9.6 per cent since the first quarter and up 35.9 per cent annually.

03

竞争监管机构确认年度百分比率规则不再适用于P2P平台,P2P平台必须主动披露

商业贷款新定价规则将不适用于P2P平台,英国竞争与市场管理局已经对此进行了确认。从今天开始,所有的无担保贷款和透支的提供商,只要达到了2万5英镑规模的中小企业,将必须公布并清晰地披露年度百分比率。

【原文详情】

NEW pricing rules on business loans will not apply to peer-to-peer lenders, the Competition and Markets Authority (CMA) has confirmed.From today, all providers of unsecured loans and overdrafts worth up to £25,000 to small- and medium-sized enterprises (SMEs), will have to publish and clearly display the annual percentage rates (APRs.)

04

英国金融科技投资创18个月新高

研究显示,英国金融科技投资在6月创下18个月新高。从KPMG最新金融科技报告来看,英国金融科技投资额在2017年第二季度达到14亿美元(折合英镑11亿),比上一年同期增加1亿美元,相比第一季度增加10亿美元。通过master卡支付系统Vocalink的成交额为9.2亿美元。但是在交易笔数上,从47笔下降到了36笔。

【原文详情】

INVESTMENT in UK fintech hit an 18-month high in June, research suggests.Data from the latest KPMG Pulse of Fintech report shows investment in UK fintech during the second quarter of 2017 was worth $1.4bn (£1.1bn), up from $0.1bn year-on-year and $1bn more than in the first quarter.The value was boosted by Mastercard’s purchase of payments system Vocalink for $920m in May.However, the number of deals in the UK dropped from 47 to 36.

欲了解更多关于互金行业风险指数深度研究

请点击下方“阅读全文”进入星火调研情报局

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选五

1

35家机构投资者增持宜人贷股份

星评解读

宜人贷(纽交所:YRD)股价自创历史低点18.3美元以来,总体已经上涨了74.75%。2017年7月17日,宜人贷股价上涨3.53%,收盘价31.98美元。目前,机构投资者共持有1.43亿美元(合7.7%)的宜人贷股份。

在三月报告期期末,35家持股机构增加了它们在宜人贷的持股比例,根据美国证交会数据,这一变动将宜人贷的持股机构股份总额增加到4,638,336股。并且,该股票又吸引了21家新的机构投资者入局,股份总量达到973,854股。

【原文详情】

(NYSE:YRD) enjoyed a 74.75% run-up in share price since hitting record low of $18.3. The stock managed 3.53% rise and now stands at $31.98 as of July 17, 2017. Institutional investors currently hold around $143 million or 7.7% in YRD stock.

At the end of Mar reporting period, 35 institutional holders increased their position in Yirendai Ltd. (NYSE:YRD) by some 1,343,454 shares, 22 decreased positions by 2,144,331 and 5 held positions by 1,150,551. That puts total institutional holdings at 4,638,336 shares, according to SEC filings. The stock grabbed 21 new institutional investments totaling 973,854 shares.

2

英国P2P贷款机构Ratesetter面临8000万英镑逾期

星评解读

Ratesetter遭受8000万逾期贷款,这是新兴网贷领域的第一次重大挫折。该公司表示,将用其自有资金来承担5万名用户的损失。这些用户大多是小投资者,使用该网站将自己的存款贷给其他个人,并从中获取比银行更高的收益率。Ratesetter承认已向一家名为Vehicle Trading Group Limited (VTG)的公司提供了3600万英镑的贷款。该公司是一家汽车金融控股公司,由于负债累累而陷入了破产管理。

【原文详情】

The peer-to-peer lender Ratesetter has been hit by £80m of struggling loans in the first major setback for the nascent online lending sector.

The company said it would use its own funds to prevent losses being taken by its 50,000 users, who are mostly small investors using the website in order to lend their savings to other individuals and benefit from higher interest rates than are available at high street banks.

The company admitted that it had made £36m of loans to a company called Vehicle Trading Group Limited (VTG), a motor finance holding company that then fell into administration because it had taken on too much debt.

3

新兴金融科技公司Tomorrow欲让信托基金民主化

星评解读

本周,一款新的金融科技应用程序 Tomorrow在美国各地推出服务,致力于将信托基金民主化,即帮助年轻一代顺利继承信托产品。根据Tomorrow的研究表明,目前在美国,74%的年轻人没有继承意愿,55%的千禧家庭在失去主要工资收入后便无法支付账单。据悉,该公司在种子轮获得融资2600万元,投资方包括Plug and Play, Allianz Life, and Curious Capital.目前这款APP已经可以在苹果手机上使用,随后也会发布安卓版本。

【原文详情】

Now, app-only fintech Tomorrow, which launched services across the US this week, wants to help this group access inheritance products: In the US, 74% of millennials don’t have a will, and 50% of millennial households would struggle to pay their bills without their primary wage earner, according to studies Tomorrow cites. The company’s raised $2.6 million in Seed funding from backers including Plug and Play, Allianz Life, and Curious Capital. It’s now available for iPhone, and will release an Android version later.

4

LandlordInvest 交易量突破100万英镑

星评解读

购房出租P2P平台LandlordInvest交易量达到了100万英镑的里程碑。这个抵押贷款平台于2016年11月成立,在过去7个月里,就已经积累了700名投资者,并完成了6笔贷款。该平台首席执行官Filip Karadaghi表示,尽管自平台推出以来已经取得许多成就,比如获得金融市场监管机构的全面授权,并推出了创新型金融个人储蓄账户(IFISA),但他预计未来几个月将会更加忙碌。

【原文详情】

BUY-TO-LET peer-to-peer platform LandlordInvest has passed the £1m lending milestone.

The property lender, which launched in December 2016, has amassed 700 investors and completed six loans over the past seven months.

Filip Karadaghi, chief executive of LandlordInvest, said while there have been plenty of achievements since launch, such as gaining full authorisation from the Financial Conduct Authority and launching an Innovative Finance ISA (IFISA), he is anticipating a busy few months ahead.

END

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1

35家机构投资者增持宜人贷股份

星评解读

宜人贷(纽交所:YRD)股价自创历史低点18.3美元以来,总体已经上涨了74.75%。2017年7月17日,宜人贷股价上涨3.53%,收盘价31.98美元。目前,机构投资者共持有1.43亿美元(合7.7%)的宜人贷股份。

在三月报告期期末,35家持股机构增加了它们在宜人贷的持股比例,根据美国证交会数据,这一变动将宜人贷的持股机构股份总额增加到4,638,336股。并且,该股票又吸引了21家新的机构投资者入局,股份总量达到973,854股。

【原文详情】

(NYSE:YRD) enjoyed a 74.75% run-up in share price since hitting record low of $18.3. The stock managed 3.53% rise and now stands at $31.98 as of July 17, 2017. Institutional investors currently hold around $143 million or 7.7% in YRD stock.

At the end of Mar reporting period, 35 institutional holders increased their position in Yirendai Ltd. (NYSE:YRD) by some 1,343,454 shares, 22 decreased positions by 2,144,331 and 5 held positions by 1,150,551. That puts total institutional holdings at 4,638,336 shares, according to SEC filings. The stock grabbed 21 new institutional investments totaling 973,854 shares.

2

英国P2P贷款机构Ratesetter面临8000万英镑逾期

星评解读

Ratesetter遭受8000万逾期贷款,这是新兴网贷领域的第一次重大挫折。该公司表示,将用其自有资金来承担5万名用户的损失。这些用户大多是小投资者,使用该网站将自己的存款贷给其他个人,并从中获取比银行更高的收益率。Ratesetter承认已向一家名为Vehicle Trading Group Limited (VTG)的公司提供了3600万英镑的贷款。该公司是一家汽车金融控股公司,由于负债累累而陷入了破产管理。

【原文详情】

The peer-to-peer lender Ratesetter has been hit by £80m of struggling loans in the first major setback for the nascent online lending sector.

The company said it would use its own funds to prevent losses being taken by its 50,000 users, who are mostly small investors using the website in order to lend their savings to other individuals and benefit from higher interest rates than are available at high street banks.

The company admitted that it had made £36m of loans to a company called Vehicle Trading Group Limited (VTG), a motor finance holding company that then fell into administration because it had taken on too much debt.

3

新兴金融科技公司Tomorrow欲让信托基金民主化

星评解读

本周,一款新的金融科技应用程序 Tomorrow在美国各地推出服务,致力于将信托基金民主化,即帮助年轻一代顺利继承信托产品。根据Tomorrow的研究表明,目前在美国,74%的年轻人没有继承意愿,55%的千禧家庭在失去主要工资收入后便无法支付账单。据悉,该公司在种子轮获得融资2600万元,投资方包括Plug and Play, Allianz Life, and Curious Capital.目前这款APP已经可以在苹果手机上使用,随后也会发布安卓版本。

【原文详情】

Now, app-only fintech Tomorrow, which launched services across the US this week, wants to help this group access inheritance products: In the US, 74% of millennials don’t have a will, and 50% of millennial households would struggle to pay their bills without their primary wage earner, according to studies Tomorrow cites. The company’s raised $2.6 million in Seed funding from backers including Plug and Play, Allianz Life, and Curious Capital. It’s now available for iPhone, and will release an Android version later.

4

LandlordInvest 交易量突破100万英镑

星评解读

购房出租P2P平台LandlordInvest交易量达到了100万英镑的里程碑。这个抵押贷款平台于2016年11月成立,在过去7个月里,就已经积累了700名投资者,并完成了6笔贷款。该平台首席执行官Filip Karadaghi表示,尽管自平台推出以来已经取得许多成就,比如获得金融市场监管机构的全面授权,并推出了创新型金融个人储蓄账户(IFISA),但他预计未来几个月将会更加忙碌。

【原文详情】

BUY-TO-LET peer-to-peer platform LandlordInvest has passed the £1m lending milestone.

The property lender, which launched in December 2016, has amassed 700 investors and completed six loans over the past seven months.

Filip Karadaghi, chief executive of LandlordInvest, said while there have been plenty of achievements since launch, such as gaining full authorisation from the Financial Conduct Authority and launching an Innovative Finance ISA (IFISA), he is anticipating a busy few months ahead.

END

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阿里携手东南亚O2O平台 在新加坡推跨境支付宝业务

东南亚O2O移动平台Fave近日宣布,将与阿里巴巴旗下金融机构蚂蚁金服合作,通过支付宝为东南亚顾客提供无缝跨境支付体验,新加坡市场将率先推出体验。通过与Fave的合作,支付宝用户能在光顾Fave生态系统部分餐馆和线下零售商时直接通过支付宝应用程式付款,并享用Fave的特别优惠和奖赏。

新闻稿援引Fave创办人Joel Neoh的话表示,“餐馆和线下零售商是新加坡经济的支柱,我们的目标是协助他们更成功。尽管超过90%的零售消费在线下完成,零售商总是在寻找不同方法来接触喜爱移动、电子商务的顾客。” Fave集团是在东南亚地区增长最快的O2O公司,自2016年7月成立以来,Fave提供包括餐饮、美容及健康和休闲活动等各种其他垂直行业。支付宝成立于2004年,目前在中国内地及全球拥有超过4.5亿活跃用户。支付宝是当下炙手可热的移动支付行业的先驱,以及中国最流行的在线和移动支付工具之一。

摩根大通计划用AI机器人执行金融交易

据了解,摩根大通将在全球的股票算法业务部门采用ai机器人LOXM执行交易,该机器人的效率比传统买卖方法高得多,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。人工智能(ai)快速发展给各行业带来巨大变革,人工智能在金融服务业的应用,将以智能投顾发展最为快速,预估至2020年全球智能投顾的资产管理规模将达5.9万亿美元,年均复合增长率为75%。

LOXM的职责是以最佳价格和最高速度执行客户交易指令:运用它从数十亿笔过往交易(既有真实交易,也有模拟交易)中汲取的经验教训来解决各种问题,比如怎样抛出大笔股份而不影响市场价格。但是,LOXM并没有买卖决策能力,其作用仅限于决定买卖方式。

摩根大通全球股票电子交易业务负责人Daniel Ciment表示,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。

印度版支付宝Paytm计划推出即时通信功能 挑战WhatsApp

8月2日,印度版支付宝、印度最大的移动支付公司Paytm正计划推出即时通信功能。知情人士称,Paytm准备在其应用中添加即时通信功能,以挑战Facebook旗下的WhatsApp。聊天功能可以给印度企业提供一个与客户进行互动的正式渠道。

Paytm的即时通信功能可以让用户免费共享消息、视频和图片。据上述知情人士称,该功能最快将在两周内推出。外媒称,此举或许能够使Paytm吸引一些WhatsApp的用户,推动该公司平台快速增长。WhatsApp的12亿用户中有2亿人在印度。WhatsApp目前正在研究向印度市场添加支付功能的可能性。Paytm目前拥有2.25亿移动钱包客户,是本地移动支付竞争对手MobiKwik和FreeCharge用户数量的四倍。MobiKwik和FreeCharge目前分别拥有5500万用户。

在线借贷公司Kabbage获2.5亿美元F轮融资,软银领投

近日,软银集团对在线借贷公司Kabbage投资2.5亿美元,这也是这家日本科技巨头近期“买买买”热潮中最新的一笔投资。加上这笔F轮融资,Kabbage的股权融资总额已经达到5亿美元。

Kabbage将用这一轮资金给小企业提供更多借贷产品,如果市场需要的话,该公司或将推出保险和工资管理服务。与此同时,Kabbage首席执行官Ron Frohwein透露,公司也计划进军亚洲市场,目前正在和印度、中国和日本多家银行进行沟通。Kabbage拥有380名员工,此前共获得2.5亿美元融资,2015年时估值10亿美元。对于此次交易后的估值,Frohwein表示不方便透露,但肯定已经超过10亿美元。Kabbage致力于帮助小企业快速获得在线贷款,同时,银行也可以通过使用他们的技术,加快贷款发放流程。

点融网D轮被曝融资2.2亿美元

2017年8月2日,点融在上海召开主题为“新的金融,世界的点融”的新闻发布会,正式宣布获得2.2亿美元D轮融资。

点融此次的投资方包括:全球知名主权基金新加坡**投资公司(GIC)、中民投租赁集团旗下中民国际融资租赁股份有限公司,以及韩国Simone集团旗下Simone投资管理公司等。

点融创始人、CEO苏海德,点融创始人、联合CEO郭宇航等公司高管,以及新加坡**投资公司股权投资部门高级副总裁Roger Lum、中民国际融资租赁股份有限公司总裁汤敏、Simone投资管理公司副总裁Jungmin Lee等投资方代表悉数出席了当天的新闻发布会。苏海德表示,这些投资将加强点融对“新的金融”战略的承诺,点融要用金融科技帮助中国家庭和小微企业获得更大的金融自由度。未来,D轮融资资金将主要用于增加技术投入、增加市场扩张投入,以及全球化布局投入,从而帮助点融取得更快的业务增长。

英国外汇P2P交易平台Kantox获460万英镑C轮融资

近日,总部位于英国伦敦的外汇P2P交易平台Kantox宣布获得460万英镑(约合 601 万美元)的C轮融资,投资方包括Idinvest Partners、Mundi Ventures和Partech Ventures。截至目前,该公司的融资总金额已经超过了2700万美元。

2015年5月,Kantox获得1000万欧元B轮融资;2014年2月,Kantox获得640万欧元A轮融资;2012年9月,Kantox 获得100万欧元种子轮融资;2011年7月,公司获得15万欧元种子轮融资。

公开资料显示,Kantox公司成立于 2011 年,旨在帮助有外汇交易需求的用户绕过银行和交易中介,直接进行P2P兑换交易。Kantox公司的服务对象主要是跨境外贸进出口企业,其平台上会分析各家企业不同的外汇需求,然后匹配到最合适的货币兑换汇率,减少企业繁琐的兑换成本,而且还能让企业更好地管理自己的外汇敞口

Lendingclub发布Q2报告 预计全年营收最高达6亿美元

据美联社消息,Lendingclub在上周公布了其二季度报告,数据显示,Lendingclub在二季度营收1.396亿美元,亏损达到2550万美元。公司预计,第四季度营收将在1.54亿美元到1.59亿美元之间,全年营收将在5.85亿美元到6亿美元之间。

数据显示,LendingClub第二季度每股亏损为6美分,相比之下去年同期的总净亏损和每股亏损分别为8100万美元和21美分。不计入某些一次性项目,该季度的调整后每股亏损为1美分,相比之下去年同期的调整后每股亏损为9美分。财经信息供应商FactSet调查显示,分析师此前平均预期该公司第二季度调整后每股亏损为12美分,营收为1.35亿美元。

软银将对体育电商Fanatics投资10亿美元

软银集团将对体育电商公司Fanatics投资10亿美元。这一投资属于Fanatics新一轮融资的一部分,对该公司的估值为45亿美元。知情人士称,Fanatics的新一轮融资预计将于本月晚些时候结束。Fanatics不予置评。软银尚未置评。

Fanatics总部位于佛罗里达州杰克逊维尔市,是一家领先的体育用品授权经销商,负责为全球各地球队和体育联盟处理电商销售。Fanatics的投资者包括美国国家橄榄球联盟(NFL)、美国职业棒球大联盟以及几家风投公司和科技公司。知情人士称,软银10亿美元投资的大部分将来自全球最大私募股权基金——愿景基金,该基金的规模达到930亿美元。愿景基金的投资者包括沙特主权财富基金、阿布扎比的穆巴达拉发展公司以及苹果公司。

美金融技术解决方案提供商Fiserv拟9800万美元收购移动支付公司Monitise

最近消息,美国金融技术解决方案提供商Fiserv决定提价至7500万英镑(约9800万美元)收购移动支付公司Monitise,希望得到这家英国金融服务技术公司投资人的支持。之前,Fiserv提出7000万美元收购Monitise,引起了以Cavendish Asset Management为首的Monitise投资人的不满,认为这一出价过低。三年前,Monitise的估值曾超过10亿美元。

Monitise方面透露,公司主管一致认为应当要求加价,最后的收购价比原来多了每股2.9便士。Fiserv敦促股东接受这一收购方案,Monitise的董事会已经声明,如果交易落空,他们会考虑进行新一轮融资,转让部分资产。Monitise是英国另类投资市场上市公司,他们通过在银行和移动运营商之间建立桥梁,能够处理数十亿美元的移动支付、购买和转账业务。

英国数字银行Tandem收购对手Harrods Bank

近日,英国数字银行Tandem宣布已经和Harrods Bank签订收购协议,后者是英国著名奢侈品商店旗下的银行部门。关于这笔交易的绝体细节并未获透露,而相关手续也在等待监管部门批准。

据悉,Tandem将收购Harrods Bank 100%的股份。这笔收购将加快公司推出储蓄账户的速度,预计在今年年底之前上线。Tandem的应用虽然现在还不提供银行账户服务,但可以看作一款私人理财(PFM)产品,已经上架iOS应用商定和谷歌Play商店。在接下来的几个月里,Tandem将上线信用卡功能。去年12月,该公司宣布完成3500万英镑融资,投资人为中国三胞集团所有的百货商店HouseofFraser。但是,对中国资本的限制导致这笔投资的一部分被撤回。

Yande宣布与俄联邦储蓄银行合资10亿美元打造“领先全俄的电商生态系统”

俄罗斯搜索巨头Yandex日前和该国联邦储蓄银行宣布,将联手创建一个以Yandex.Market平台为基础的“领先的电商生态系统”,这将是俄罗斯历史上最大的一笔电商投资。从投资协议中我们看到,联邦储蓄银行计划对合资公司出资约5亿美元,这使得Yandex.Market的估值达到10亿美元。双方将持有同等的股份,另有最多10%的股份留给Yandex.Market的管理层和员工。

目前,Yandex.Market平台入驻了2万多家国内国外商家,每个月能够吸引超过1900万用户,所售商品超过1.5亿种。Yandex.Market曾统治俄罗斯电商领域,但在两家强劲对手的压迫下,已大不如从前风光。现在,稳坐俄罗斯跨境电商头把交椅的是阿里巴巴的B2C子公司全球速卖通,每月能够吸引2300多万次访问,这一流量足以和Yandex.Market匹敌。

澳洲移动支付平台MiMOBI URON与微信支付达成合作

澳洲Priority One Network集团旗下的全球移动支付平台MiMOBI URON已与中国公众平台微信及其授权的澳洲本地服务商Paylinx,达成了一项具有里程碑意义的合作协议。微信支付将为该平台在澳洲及全球的使用者提供创新的付款方式。

Greatreporter网7日报道,MiMOBI URON平台将成为微信支付在澳洲的首个合作非金融机构。该平台将引进微信支付系统,并向全澳的商家推广。这次支付方式的合作还将扩展至Priority One在全球的其他合作伙伴与附属公司。

据了解,MiMOBI URON将联手微信支付为澳洲与全球的商户提供更简便、会计与安全支付方式。根据合作协议,在Paylinx Financial的帮助下,两家公司还将共同努力,帮助澳人与来澳旅客在微信支付电子商务网站上支付购买。

沃尔玛这次走在亚马逊前面 推出一项“扫描即走”技术

据国外媒体报道,沃尔玛正在部署一项技术,让购物者无需排队或在收银台付款,就可以在店内购买商品。这提醒亚马逊,在实体店与大型零售商竞争并非易事。

这是一款叫做“扫描即走”的应用程序允许购物者扫描他们想购买的商品条形码,然后用智能机点击一个按钮来完成付款。付款完成后,他们只需向沃尔玛的工作人员出示数字收据就可以了。如果没有智能手机的购物者可以使用店内提供的手持扫描仪。不愿意将信用卡和应用程序绑定的购物者仍然可以使用它来扫描商品。

其实,这就像一个手动版的Amazon Go,去年在亚马逊的家乡西雅图推出的一款免费杂货店,但仍在私人测试中,仅限于该公司的员工。今年早些时候,亚马逊公司本应向公众开放,但该公司仍在研究一些技术问题。

美国信用卡处理公司Vantiv 104亿美元收购Worldpay

美国信用卡处理公司Vantiv已在周三达成一项并购协议,将以80亿英镑(约合104亿美元)的价格收购英国竞争对手Worldpay,这项交易将可创造出一家市值高达290亿美元的全球性支付服务公司。

这是自去年英国脱欧全民公投以来以一家英国公司为目标的规模最大的并购交易之一。在迅速发展演变的支付行业中,像Vantiv这样在美国市场上拥有强大地位的支付公司正努力试图建立起全球“足迹”。Worldpay是英国市场上规模最大的支付服务提供商,该公司股价在上述交易于周三宣布以后收盘上涨1.28%,报388.5便士(约合5.05美元)。这是今年以来针对一家英国公司发起的规模第二大的并购交易,仅次于中投在6月份以138亿美元的价格收购伦敦仓储公司Logicor的交易。

Alipay teams up with Fave for O2O expansion in SEA

Ant Financial, the financial affiliate of Alibaba group, has announced a partnership with Fave, Groupon’s successor in Southeast Asia, to provide cross-border payment. The tie-up will first bring this service to Singapore.

Through this deal, Alipay users will be able to make payments via the Alipay app at restaurants and offline retailers that are part of the Fave ecosystem and gain special access to offers and rewards, much similar to its partnership with local O2O service providers in Chinese market.

Unsurprisingly, the service will first target Chinese outbound tourists to SEA, which is becoming an increasingly popular destination for Chinese travelers. (Source: Alibaba)

JPMorgan takes AI use to the next level

Major financial services (FS) players have long been applying algorithms to make equity trading more efficient. Now, however, JPMorgan says it has developed an artificial intelligence (AI) system to take such automation to new heights.

The bank has been testing its AI program, LOXM, since Q1 2017 in Europe, and plans to roll it out across its Asian and US operations in Q4 after trials proved successful. LOXM was trained on billions of historic transactions to enable it to execute equities trades at ma**mum speed and at optimal prices, and to offload large equity stakes without causing market swings. LOXM delivered significant savings and far outperformed both manual and automated e**sting trading methods in trials, according to JPMorgan. (Source: Business insider)

Paytm to launch in-app chat messenger, take on WhatsApp

Paytm is expected to launch a chat messenger in its app to allow its user base of over 230 million to communicate more seamlessly within its network, according to sources familiar with the development. The company will convert its payment users to messaging and help businesses connect with consumers. The feature is expected to be launched later this month, said one of the sources briefed on the matter. A Paytm spokesperson declined to comment when contacted ET.

Paytm’s move seems to be in the reverse direction compared to others such as Hike Messenger, which recently launched payments through wallet and unified payment interface (UPI), and WhatsApp, which is also expected to embed payments in the country. Interestingly, WhatsApps business head Neeraj Arora also sits on the board of Paytm. (Source: economictimes)

Kabbage Raises $250 Million From SoftBank

August 3, 2017, Kabbage Inc., a pioneering financial services, technology and data platform serving small businesses globally, announced today the agreement on a $250 million equity investment from a subsidiary of SoftBank Group Corp. (“SoftBank”) in Kabbage. This investment represents the largest equity raise in the online small business lending segment to date. The funding brings Kabbage’s total equity raised to nearly $500 million.

With this investment, Kabbage will expand its lending products for small businesses and will explore non-lending products and services for these customers. The company will also use the funds to accelerate its SaaS platform business that powers online SMB lending for global banks. The closing of the investment is subject to regulatory and other customary closing conditions and is expected to be completed in third quarter 2017. (Source: Kabbage)

Singapores GIC leads $220 million funding round for Chinese P2P firm Dianrong

Chinese peer-to-peer lending platform Dianrong said on Wednesday it raised $220 million from a group of investors led by Singapore sovereign wealth fund GIC Pte Ltd, looking to step up research of new technology as it expands across China and explores ventures in other countries in the region.

Other investors in the funding round included CMIG Leasing, a unit of Chinas biggest private investment conglomerate China Minsheng Investment Group (CMIG), and South Korean fund manager Simone Investment Managers, Dianrong said.

The Shanghai-based firm planned to use the funds to automate some of its new branches across China, for research and development and potential acquisitions, Soul Htite, co-founder and co-chief executive of Dianrong, told Reuters. (Source: CNBC)

Fintech Kantox raises £4.6 million from investors as it targets profitability

Foreign exchange fintech company Kantox has raised £4.6 million from its e**sting investors as it aims for profitability.

Filings with Companies House show Kantox raised the sum at the end of July. CEO and founder Philippe Gelis confirmed the fundraise with Business Insider over email, saying the company raised the money from e**sting investors Partech Ventures, IDinvest Partners, and Mundi Ventures. Kantox provides a software platform to help businesses manage their foreign exchange exposure. It offers specialised products for tailored to industries like fashion and travel, and also has a trading platform that lets companies trade currencies directly with each other rather than through banks. The company has offices in London and Barcelona. (Source: CNBC)

Lending Club Q2 2017 Earnings

Lending Club’s second quarter earnings marked an important milestone for the company – a return to growth. Originations have been hovering around $1.9 billion since Q2 of last year. This quarter Lending Club announced originations of $2.15 billion for the quarter, up 10% from the prior quarter of $1.96 billion. While this is still down from their previous highs, it shows that the company is back on a growth trajectory.

The second quarter marked the second highest revenue generating quarter for the company. Lending Club anticipates that the third quarter will be their best quarter yet from a revenue perspective. Below are the other financial highlights for the company. (Source: lendacademy)

SoftBank to invest $1 billion in sports retailer Fanatics amid aggressive spending spree

Online sports merchandise retailer Fanatics is the latest company to get a cash infusion from SoftBank, a source close to the matter told CNBC.

The NFL also invested about $95 million and Major League Baseball added $50 million earlier this year, according to the Journal. Fanatics sells licensed sports apparel on its website, and also operates the web sales for many big sports leagues. Doug Mack, who became CEO in 2014, has emphasized data as theheartbeatof the company. (Source: CNBC)

Fiserv to acquire Monitise for $89 million

The companies have reached an agreement on the terms of the cash offer, in which Fiserv would offer 2.90 pence per share. The transaction is still subject to Monitise shareholder approval, but is expected to close in the third quarter.

Like Fiserv, Monitise develops technology for the financial services industry. Monitise concentrates on accelerating the digital transformation of banks and credit unions through adaptation of legacy systems, greenfield projects and strategic digital projects. Fiserv develops payment, processing, risk and compliance, customer and channel management and insights and optimization products for banks and credit unions. (Source: biztimes)

Digital bank Tandem to acquire banking arm of UK’s famous luxury department store Harrods

Following rumours that began circulating within London’s fintech community as far back as June, digital-only or so-called “challenger” bank Tandem has announced that it has signed an agreement to acquire Harrods Bank, the banking arm of the U.K.’s most famous luxury department store. Terms of the deal aren’t being disclosed, and the transaction remains subject to regulatory approval.

Under the agreement, Tandem says it will acquire 100 per cent of Harrods Bank and benefit from around £80 million of capital coming into the business. On completion — and presuming U.K. regulators don’t wave a red flag — Harrods bank will operate under the Tandem brand. (Source: techcrunch)

Yandex and Sberbank announce $500 million joint venture to create ‘leading ecommerce ecosystem’ in Russia

Yandex, the NASDAQ-listed Russian search giant, and Sberbank, Russia’s state-owned national savings bank, announced today their plans to join forces and create “a leading e-commerce ecosystem” based on the Yandex.Market ecommerce marketplace. The move, if rubberstamped, would mark the biggest ecommerce investment in Russia’s history.

Sberbank would invest 30 billion rubles (appro**mately $500 million at the current exchange rate) in the joint venture. The investment would value Yandex.Market at 60 billion rubles ($1 billion) post money. The two partners would own equal stakes in the joint venture (JV), with up to 10% of the shares allocated to a stock option plan for Yandex.Market’s management and employees. (Source: venturebeat)

MIMOBIURONAnd WECHAT Achieved Landmark Partnership

MiMOBI URON Platform becomes the first non-financial institution in Australia to be able to integrate WeChat Pay into its payment platform, which will be rolled out to merchants across Australia. The partnership payment solution will be extended to other parts of the world through Priority One associated partners and affiliates.

The company is excited about the commercial partnership agreement with WeChat given it is China’s number one social media app and one of the world’s fastest growing companies with more than 800 million monthly active users. (Source: wdrb)

Walmart is taking a direct shot at Amazon and making checkout lanes obsolete

Walmart is rolling out a new technology in its stores that enables shoppers to scan and pay for their items without checkout lanes, registers, or cashiers.

Heres how it works: shoppers download WalmartsScanGoapp, then scan the barcodes of the items they wish to purchase. Once they are finished shopping, they click a button to pay for their goods and show their digital receipt to a store greeter on their way out the door. But Walmart is leaping ahead of Amazon and already rolling it out to more than a dozen stores in Texas, Florida, South Dakota, Arkansas, Georgia, and Kentucky. (Source: CNBC)

Credit tech firm Vantiv to merge with Worldpay in $9.94 billion deal, JPMorgan will not make an offer

U.S. credit card processing company Vantiv announced plans Wednesday to take over Worldpay, the U.K.s largest payment processing company, in a deal worth £7.7 billion ($9.94 billion).

Worldpay shareholders are entitled to 55 pence in cash for each Worldpay share and 0.0672 new Vantiv shares. This would mean ultimately shareholders of Worldpay would get £3.85 per share. That is made up of a 5 pence dividend, plus the Vantiv shares based on a closing price of $62.51 on July 3.

The merger terms represent around an 18.9 percent premium to Worldpays closing share price in London on July 3, a day before the payments firm announced that it had been approached for an acquisition separately by both Vantiv and JPMorgan Chase. (Source: CNBC)

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选八

AlipayLending ClubSoftBank

阿里携手东南亚O2O平台 在新加坡推跨境支付宝业务

东南亚O2O移动平台Fave近日宣布,将与阿里巴巴旗下金融机构蚂蚁金服合作,通过支付宝为东南亚顾客提供无缝跨境支付体验,新加坡市场将率先推出体验。通过与Fave的合作,支付宝用户能在光顾Fave生态系统部分餐馆和线下零售商时直接通过支付宝应用程式付款,并享用Fave的特别优惠和奖赏。

新闻稿援引Fave创办人Joel Neoh的话表示,“餐馆和线下零售商是新加坡经济的支柱,我们的目标是协助他们更成功。尽管超过90%的零售消费在线下完成,零售商总是在寻找不同方法来接触喜爱移动、电子商务的顾客。” Fave集团是在东南亚地区增长最快的O2O公司,自2016年7月成立以来,Fave提供包括餐饮、美容及健康和休闲活动等各种其他垂直行业。支付宝成立于2004年,目前在中国内地及全球拥有超过4.5亿活跃用户。支付宝是当下炙手可热的移动支付行业的先驱,以及中国最流行的在线和移动支付工具之一。

摩根大通计划用AI机器人执行金融交易

据了解,摩根大通将在全球的股票算法业务部门采用ai机器人LOXM执行交易,该机器人的效率比传统买卖方法高得多,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。人工智能(ai)快速发展给各行业带来巨大变革,人工智能在金融服务业的应用,将以智能投顾发展最为快速,预估至2020年全球智能投顾的资产管理规模将达5.9万亿美元,年均复合增长率为75%。

LOXM的职责是以最佳价格和最高速度执行客户交易指令:运用它从数十亿笔过往交易(既有真实交易,也有模拟交易)中汲取的经验教训来解决各种问题,比如怎样抛出大笔股份而不影响市场价格。但是,LOXM并没有买卖决策能力,其作用仅限于决定买卖方式。

摩根大通全球股票电子交易业务负责人Daniel Ciment表示,LOXM自第一季度以来被用于该行的欧洲股票算法业务,并将在第四季度在亚洲和美国启用。

印度版支付宝Paytm计划推出即时通信功能 挑战WhatsApp

8月2日,印度版支付宝、印度最大的移动支付公司Paytm正计划推出即时通信功能。知情人士称,Paytm准备在其应用中添加即时通信功能,以挑战Facebook旗下的WhatsApp。聊天功能可以给印度企业提供一个与客户进行互动的正式渠道。

Paytm的即时通信功能可以让用户免费共享消息、视频和图片。据上述知情人士称,该功能最快将在两周内推出。外媒称,此举或许能够使Paytm吸引一些WhatsApp的用户,推动该公司平台快速增长。WhatsApp的12亿用户中有2亿人在印度。WhatsApp目前正在研究向印度市场添加支付功能的可能性。Paytm目前拥有2.25亿移动钱包客户,是本地移动支付竞争对手MobiKwik和FreeCharge用户数量的四倍。MobiKwik和FreeCharge目前分别拥有5500万用户。

在线借贷公司Kabbage获2.5亿美元F轮融资,软银领投

近日,软银集团对在线借贷公司Kabbage投资2.5亿美元,这也是这家日本科技巨头近期“买买买”热潮中最新的一笔投资。加上这笔F轮融资,Kabbage的股权融资总额已经达到5亿美元。

Kabbage将用这一轮资金给小企业提供更多借贷产品,如果市场需要的话,该公司或将推出保险和工资管理服务。与此同时,Kabbage首席执行官Ron Frohwein透露,公司也计划进军亚洲市场,目前正在和印度、中国和日本多家银行进行沟通。Kabbage拥有380名员工,此前共获得2.5亿美元融资,2015年时估值10亿美元。对于此次交易后的估值,Frohwein表示不方便透露,但肯定已经超过10亿美元。Kabbage致力于帮助小企业快速获得在线贷款,同时,银行也可以通过使用他们的技术,加快贷款发放流程。

点融网D轮被曝融资2.2亿美元

2017年8月2日,点融在上海召开主题为“新的金融,世界的点融”的新闻发布会,正式宣布获得2.2亿美元D轮融资。

点融此次的投资方包括:全球知名主权基金新加坡**投资公司(GIC)、中民投租赁集团旗下中民国际融资租赁股份有限公司,以及韩国Simone集团旗下Simone投资管理公司等。

点融创始人、CEO苏海德,点融创始人、联合CEO郭宇航等公司高管,以及新加坡**投资公司股权投资部门高级副总裁Roger Lum、中民国际融资租赁股份有限公司总裁汤敏、Simone投资管理公司副总裁Jungmin Lee等投资方代表悉数出席了当天的新闻发布会。苏海德表示,这些投资将加强点融对“新的金融”战略的承诺,点融要用金融科技帮助中国家庭和小微企业获得更大的金融自由度。未来,D轮融资资金将主要用于增加技术投入、增加市场扩张投入,以及全球化布局投入,从而帮助点融取得更快的业务增长。

英国外汇P2P交易平台Kantox获460万英镑C轮融资

近日,总部位于英国伦敦的外汇P2P交易平台Kantox宣布获得460万英镑(约合 601 万美元)的C轮融资,投资方包括Idinvest Partners、Mundi Ventures和Partech Ventures。截至目前,该公司的融资总金额已经超过了2700万美元。

2015年5月,Kantox获得1000万欧元B轮融资;2014年2月,Kantox获得640万欧元A轮融资;2012年9月,Kantox 获得100万欧元种子轮融资;2011年7月,公司获得15万欧元种子轮融资。

公开资料显示,Kantox公司成立于 2011 年,旨在帮助有外汇交易需求的用户绕过银行和交易中介,直接进行P2P兑换交易。Kantox公司的服务对象主要是跨境外贸进出口企业,其平台上会分析各家企业不同的外汇需求,然后匹配到最合适的货币兑换汇率,减少企业繁琐的兑换成本,而且还能让企业更好地管理自己的外汇敞口。

Lendingclub发布Q2报告 预计全年营收最高达6亿美元

据美联社消息,Lendingclub在上周公布了其二季度报告,数据显示,Lendingclub在二季度营收1.396亿美元,亏损达到2550万美元。公司预计,第四季度营收将在1.54亿美元到1.59亿美元之间,全年营收将在5.85亿美元到6亿美元之间。

数据显示,LendingClub第二季度每股亏损为6美分,相比之下去年同期的总净亏损和每股亏损分别为8100万美元和21美分。不计入某些一次性项目,该季度的调整后每股亏损为1美分,相比之下去年同期的调整后每股亏损为9美分。财经信息供应商FactSet调查显示,分析师此前平均预期该公司第二季度调整后每股亏损为12美分,营收为1.35亿美元。

软银将对体育电商Fanatics投资10亿美元

软银集团将对体育电商公司Fanatics投资10亿美元。这一投资属于Fanatics新一轮融资的一部分,对该公司的估值为45亿美元。知情人士称,Fanatics的新一轮融资预计将于本月晚些时候结束。Fanatics不予置评。软银尚未置评。

Fanatics总部位于佛罗里达州杰克逊维尔市,是一家领先的体育用品授权经销商,负责为全球各地球队和体育联盟处理电商销售。Fanatics的投资者包括美国国家橄榄球联盟(NFL)、美国职业棒球大联盟以及几家风投公司和科技公司。知情人士称,软银10亿美元投资的大部分将来自全球最大私募股权基金——愿景基金,该基金的规模达到930亿美元。愿景基金的投资者包括沙特主权财富基金、阿布扎比的穆巴达拉发展公司以及苹果公司。

美金融技术解决方案提供商Fiserv拟9800万美元收购移动支付公司Monitise

最近消息,美国金融技术解决方案提供商Fiserv决定提价至7500万英镑(约9800万美元)收购移动支付公司Monitise,希望得到这家英国金融服务技术公司投资人的支持。之前,Fiserv提出7000万美元收购Monitise,引起了以Cavendish Asset Management为首的Monitise投资人的不满,认为这一出价过低。三年前,Monitise的估值曾超过10亿美元。

Monitise方面透露,公司主管一致认为应当要求加价,最后的收购价比原来多了每股2.9便士。Fiserv敦促股东接受这一收购方案,Monitise的董事会已经声明,如果交易落空,他们会考虑进行新一轮融资,转让部分资产。Monitise是英国另类投资市场上市公司,他们通过在银行和移动运营商之间建立桥梁,能够处理数十亿美元的移动支付、购买和转账业务。

英国数字银行Tandem收购对手Harrods Bank

近日,英国数字银行Tandem宣布已经和Harrods Bank签订收购协议,后者是英国著名奢侈品商店旗下的银行部门。关于这笔交易的绝体细节并未获透露,而相关手续也在等待监管部门批准。

据悉,Tandem将收购Harrods Bank 100%的股份。这笔收购将加快公司推出储蓄账户的速度,预计在今年年底之前上线。Tandem的应用虽然现在还不提供银行账户服务,但可以看作一款私人理财(PFM)产品,已经上架iOS应用商定和谷歌Play商店。在接下来的几个月里,Tandem将上线信用卡功能。去年12月,该公司宣布完成3500万英镑融资,投资人为中国三胞集团所有的百货商店HouseofFraser。但是,对中国资本的限制导致这笔投资的一部分被撤回。

Yande宣布与俄联邦储蓄银行合资10亿美元打造“领先全俄的电商生态系统”

俄罗斯搜索巨头Yandex日前和该国联邦储蓄银行宣布,将联手创建一个以Yandex.Market平台为基础的“领先的电商生态系统”,这将是俄罗斯历史上最大的一笔电商投资。从投资协议中我们看到,联邦储蓄银行计划对合资公司出资约5亿美元,这使得Yandex.Market的估值达到10亿美元。双方将持有同等的股份,另有最多10%的股份留给Yandex.Market的管理层和员工。

目前,Yandex.Market平台入驻了2万多家国内国外商家,每个月能够吸引超过1900万用户,所售商品超过1.5亿种。Yandex.Market曾统治俄罗斯电商领域,但在两家强劲对手的压迫下,已大不如从前风光。现在,稳坐俄罗斯跨境电商头把交椅的是阿里巴巴的B2C子公司全球速卖通,每月能够吸引2300多万次访问,这一流量足以和Yandex.Market匹敌。

澳洲移动支付平台MiMOBI URON与微信支付达成合作

澳洲Priority One Network集团旗下的全球移动支付平台MiMOBI URON已与中国公众平台微信及其授权的澳洲本地服务商Paylinx,达成了一项具有里程碑意义的合作协议。微信支付将为该平台在澳洲及全球的使用者提供创新的付款方式。

Greatreporter网7日报道,MiMOBI URON平台将成为微信支付在澳洲的首个合作非金融机构。该平台将引进微信支付系统,并向全澳的商家推广。这次支付方式的合作还将扩展至Priority One在全球的其他合作伙伴与附属公司。

据了解,MiMOBI URON将联手微信支付为澳洲与全球的商户提供更简便、会计与安全支付方式。根据合作协议,在Paylinx Financial的帮助下,两家公司还将共同努力,帮助澳人与来澳旅客在微信支付电子商务网站上支付购买。

沃尔玛这次走在亚马逊前面 推出一项“扫描即走”技术

据国外媒体报道,沃尔玛正在部署一项技术,让购物者无需排队或在收银台付款,就可以在店内购买商品。这提醒亚马逊,在实体店与大型零售商竞争并非易事。

这是一款叫做“扫描即走”的应用程序允许购物者扫描他们想购买的商品条形码,然后用智能机点击一个按钮来完成付款。付款完成后,他们只需向沃尔玛的工作人员出示数字收据就可以了。如果没有智能手机的购物者可以使用店内提供的手持扫描仪。不愿意将信用卡和应用程序绑定的购物者仍然可以使用它来扫描商品。

其实,这就像一个手动版的Amazon Go,去年在亚马逊的家乡西雅图推出的一款免费杂货店,但仍在私人测试中,仅限于该公司的员工。今年早些时候,亚马逊公司本应向公众开放,但该公司仍在研究一些技术问题。

美国信用卡处理公司Vantiv 104亿美元收购Worldpay

美国信用卡处理公司Vantiv已在周三达成一项并购协议,将以80亿英镑(约合104亿美元)的价格收购英国竞争对手Worldpay,这项交易将可创造出一家市值高达290亿美元的全球性支付服务公司。

这是自去年英国脱欧全民公投以来以一家英国公司为目标的规模最大的并购交易之一。在迅速发展演变的支付行业中,像Vantiv这样在美国市场上拥有强大地位的支付公司正努力试图建立起全球“足迹”。Worldpay是英国市场上规模最大的支付服务提供商,该公司股价在上述交易于周三宣布以后收盘上涨1.28%,报388.5便士(约合5.05美元)。这是今年以来针对一家英国公司发起的规模第二大的并购交易,仅次于中投在6月份以138亿美元的价格收购伦敦仓储公司Logicor的交易。

Alipay teams up with Fave for O2O expansion in SEA

Ant Financial, the financial affiliate of Alibaba group, has announced a partnership with Fave, Groupon’s successor in Southeast Asia, to provide cross-border payment. The tie-up will first bring this service to Singapore.

Through this deal, Alipay users will be able to make payments via the Alipay app at restaurants and offline retailers that are part of the Fave ecosystem and gain special access to offers and rewards, much similar to its partnership with local O2O service providers in Chinese market.

Unsurprisingly, the service will first target Chinese outbound tourists to SEA, which is becoming an increasingly popular destination for Chinese travelers. (Source: Alibaba)

JPMorgan takes AI use to the next level

Major financial services (FS) players have long been applying algorithms to make equity trading more efficient. Now, however, JPMorgan says it has developed an artificial intelligence (AI) system to take such automation to new heights.

The bank has been testing its AI program, LOXM, since Q1 2017 in Europe, and plans to roll it out across its Asian and US operations in Q4 after trials proved successful. LOXM was trained on billions of historic transactions to enable it to execute equities trades at ma**mum speed and at optimal prices, and to offload large equity stakes without causing market swings. LOXM delivered significant savings and far outperformed both manual and automated e**sting trading methods in trials, according to JPMorgan. (Source: Business insider)

Paytm to launch in-app chat messenger, take on WhatsApp

Paytm is expected to launch a chat messenger in its app to allow its user base of over 230 million to communicate more seamlessly within its network, according to sources familiar with the development. The company will convert its payment users to messaging and help businesses connect with consumers. The feature is expected to be launched later this month, said one of the sources briefed on the matter. A Paytm spokesperson declined to comment when contacted ET.

Paytm’s move seems to be in the reverse direction compared to others such as Hike Messenger, which recently launched payments through wallet and unified payment interface (UPI), and WhatsApp, which is also expected to embed payments in the country. Interestingly, WhatsApps business head Neeraj Arora also sits on the board of Paytm. (Source: economictimes)

Kabbage Raises $250 Million From SoftBank

August 3, 2017, Kabbage Inc., a pioneering financial services, technology and data platform serving small businesses globally, announced today the agreement on a $250 million equity investment from a subsidiary of SoftBank Group Corp. (“SoftBank”) in Kabbage. This investment represents the largest equity raise in the online small business lending segment to date. The funding brings Kabbage’s total equity raised to nearly $500 million.

With this investment, Kabbage will expand its lending products for small businesses and will explore non-lending products and services for these customers. The company will also use the funds to accelerate its SaaS platform business that powers online SMB lending for global banks. The closing of the investment is subject to regulatory and other customary closing conditions and is expected to be completed in third quarter 2017. (Source: Kabbage)

Singapores GIC leads $220 million funding round for Chinese P2P firm Dianrong

Chinese peer-to-peer lending platform Dianrong said on Wednesday it raised $220 million from a group of investors led by Singapore sovereign wealth fund GIC Pte Ltd, looking to step up research of new technology as it expands across China and explores ventures in other countries in the region.

Other investors in the funding round included CMIG Leasing, a unit of Chinas biggest private investment conglomerate China Minsheng Investment Group (CMIG), and South Korean fund manager Simone Investment Managers, Dianrong said.

The Shanghai-based firm planned to use the funds to automate some of its new branches across China, for research and development and potential acquisitions, Soul Htite, co-founder and co-chief executive of Dianrong, told Reuters. (Source: CNBC)

Fintech Kantox raises £4.6 million from investors as it targets profitability

Foreign exchange fintech company Kantox has raised £4.6 million from its e**sting investors as it aims for profitability.

Filings with Companies House show Kantox raised the sum at the end of July. CEO and founder Philippe Gelis confirmed the fundraise with Business Insider over email, saying the company raised the money from e**sting investors Partech Ventures, IDinvest Partners, and Mundi Ventures. Kantox provides a software platform to help businesses manage their foreign exchange exposure. It offers specialised products for tailored to industries like fashion and travel, and also has a trading platform that lets companies trade currencies directly with each other rather than through banks. The company has offices in London and Barcelona. (Source: CNBC)

Lending Club Q2 2017 Earnings

Lending Club’s second quarter earnings marked an important milestone for the company – a return to growth. Originations have been hovering around $1.9 billion since Q2 of last year. This quarter Lending Club announced originations of $2.15 billion for the quarter, up 10% from the prior quarter of $1.96 billion. While this is still down from their previous highs, it shows that the company is back on a growth trajectory.

The second quarter marked the second highest revenue generating quarter for the company. Lending Club anticipates that the third quarter will be their best quarter yet from a revenue perspective. Below are the other financial highlights for the company. (Source: lendacademy)

SoftBank to invest $1 billion in sports retailer Fanatics amid aggressive spending spree

Online sports merchandise retailer Fanatics is the latest company to get a cash infusion from SoftBank, a source close to the matter told CNBC.

The NFL also invested about $95 million and Major League Baseball added $50 million earlier this year, according to the Journal. Fanatics sells licensed sports apparel on its website, and also operates the web sales for many big sports leagues. Doug Mack, who became CEO in 2014, has emphasized data as theheartbeatof the company. (Source: CNBC)

Fiserv to acquire Monitise for $89 million

The companies have reached an agreement on the terms of the cash offer, in which Fiserv would offer 2.90 pence per share. The transaction is still subject to Monitise shareholder approval, but is expected to close in the third quarter.

Like Fiserv, Monitise develops technology for the financial services industry. Monitise concentrates on accelerating the digital transformation of banks and credit unions through adaptation of legacy systems, greenfield projects and strategic digital projects. Fiserv develops payment, processing, risk and compliance, customer and channel management and insights and optimization products for banks and credit unions. (Source: biztimes)

Digital bank Tandem to acquire banking arm of UK’s famous luxury department store Harrods

Following rumours that began circulating within London’s fintech community as far back as June, digital-only or so-called “challenger” bank Tandem has announced that it has signed an agreement to acquire Harrods Bank, the banking arm of the U.K.’s most famous luxury department store. Terms of the deal aren’t being disclosed, and the transaction remains subject to regulatory approval.

Under the agreement, Tandem says it will acquire 100 per cent of Harrods Bank and benefit from around £80 million of capital coming into the business. On completion — and presuming U.K. regulators don’t wave a red flag — Harrods bank will operate under the Tandem brand. (Source: techcrunch)

Yandex and Sberbank announce $500 million joint venture to create ‘leading ecommerce ecosystem’ in Russia

Yandex, the NASDAQ-listed Russian search giant, and Sberbank, Russia’s state-owned national savings bank, announced today their plans to join forces and create “a leading e-commerce ecosystem” based on the Yandex.Market ecommerce marketplace. The move, if rubberstamped, would mark the biggest ecommerce investment in Russia’s history.

Sberbank would invest 30 billion rubles (appro**mately $500 million at the current exchange rate) in the joint venture. The investment would value Yandex.Market at 60 billion rubles ($1 billion) post money. The two partners would own equal stakes in the joint venture (JV), with up to 10% of the shares allocated to a stock option plan for Yandex.Market’s management and employees. (Source: venturebeat)

MIMOBIURONAnd WECHAT Achieved Landmark Partnership

MiMOBI URON Platform becomes the first non-financial institution in Australia to be able to integrate WeChat Pay into its payment platform, which will be rolled out to merchants across Australia. The partnership payment solution will be extended to other parts of the world through Priority One associated partners and affiliates.

The company is excited about the commercial partnership agreement with WeChat given it is China’s number one social media app and one of the world’s fastest growing companies with more than 800 million monthly active users. (Source: wdrb)

Walmart is taking a direct shot at Amazon and making checkout lanes obsolete

Walmart is rolling out a new technology in its stores that enables shoppers to scan and pay for their items without checkout lanes, registers, or cashiers.

Heres how it works: shoppers download WalmartsScanGoapp, then scan the barcodes of the items they wish to purchase. Once they are finished shopping, they click a button to pay for their goods and show their digital receipt to a store greeter on their way out the door. But Walmart is leaping ahead of Amazon and already rolling it out to more than a dozen stores in Texas, Florida, South Dakota, Arkansas, Georgia, and Kentucky. (Source: CNBC)

Credit tech firm Vantiv to merge with Worldpay in $9.94 billion deal, JPMorgan will not make an offer

U.S. credit card processing company Vantiv announced plans Wednesday to take over Worldpay, the U.K.s largest payment processing company, in a deal worth £7.7 billion ($9.94 billion).

Worldpay shareholders are entitled to 55 pence in cash for each Worldpay share and 0.0672 new Vantiv shares. This would mean ultimately shareholders of Worldpay would get £3.85 per share. That is made up of a 5 pence dividend, plus the Vantiv shares based on a closing price of $62.51 on July 3.

The merger terms represent around an 18.9 percent premium to Worldpays closing share price in London on July 3, a day before the payments firm announced that it had been approached for an acquisition separately by both Vantiv and JPMorgan Chase. (Source: CNBC)

《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选九

1

重磅!印度商业银行寻找全球合作伙伴发展金融科技

星评解读

印度商业银行在经营一个创业加速器项目Yes Fintech,目前正在寻求独家的全球交流项目合作伙伴,以帮助印度创业企业获得发达市场的业务和投资机会。为此,印度商业银行已经与马来西亚的一项**倡议(马来西亚全球创新与创意中心)建立了联系。未来几年,该银行还在寻求与美国、瑞典、挪威、新加坡、英国和以色列等国的类似合作伙伴关系。

【原文详情】

YES Bank, which runs a start-up accelerator programme called Yes Fintech, is looking at exclusive global exchange programme partnerships to help Indian start-ups gain access to developed markets in terms of business and investments.

Towards this end, the bank has already tied up with MaGIC (Malaysian Global InnovationCreativity Center), a Malaysian government initiative. It is also looking for similar partnerships with the US, Sweden, Norway, Singapore, the UK and Israel over the next few years.

2

研究表明女性更擅长众筹

星评解读

普华永道与众筹中心联合分析了近两年全球各地45万起众筹活动,发现由女性发起的众筹达到目标成功率比男性高出32%。这项研究结果于本周公布,研究结果还发现,女性主导的项目能够吸引每位投资者的平均投资为87美元,而男性主导项目吸引的每人平均投资为83美元。

【原文详情】

Consultancy firm PwC, together with The Crowdfunding Center, analyzed 450,000 crowdfunding campaigns across the globe over the past two years and found that those led by women were 32 percent more successful at reaching their target than those carried out by men.

The results of the study, which were published on Thursday, also found that female-led projects are able to attract an average $87 pledge per funder, while men received $83 on average.

3

数字银行必然走向多元化,否则将面临淘汰危机

星评解读

数字银行是当前最热门的金融科技投资领域之一。截至目前,欧洲十大数字银行融资总额达到5亿美元,其中Atom融资额占了一大半。但随着各金融科技公司竞相开展数字银行业务,竞争日益激烈,而单纯的数字银行对客户群体要求较高,从而获客成本**提高。面对这一问题,包括数字银行在内的金融科技公司都需要拓宽业务范围,提供一系列数字金融产品,其中数字银行业务将成为不可或缺的一部分。甚至在未来,我们可能会看到越来越多的在线金融超市

【原文详情】

Digital banks are one of the hottest investment sectors in fintech right now, as Revolut’s recent $66 million series B shows. Across Europe the 10 largest digital bank financings have totalled $500 million so far, with Atom alone raising more than half that amount.

But there’s a hitch: Customer acquisition costs (CAC) for pure digital banking businesses are rising – fast. The fundamental problem, in Europe as well as in the U.S., is one of demographics: Dozens of fintechs are chasing a small, well-defined target customer base. These customers need to have enough disposable income, be digitally-savvy, and usually live in key urban areas. It can easily cost $100-250 to acquire customers in certain segments, and it takes an awful lot of $5-10 transaction fees for single-use services to generate a return on these customers. It boils down to a supply and demand issue: The number of high-value prospects is static, but there is a glut of well-funded and aggressive fintechs chasing them.

To combat this problem, fintechs, including digital banks, will need to broaden to provide a range of digital financial products, of which digital banking is an increasingly necessary one. Cross-selling, especially credit products, drives ma**mum profitability. Most fintechs and digital banks today are single service, specializing in lending, foreign exchange, or current accounts and consumer budgeting apps. Rising CACs, and the awakening of incumbent banks from complacency, will push fintechs to broaden faster than they may have intended. We will increasingly see “financial supermarkets” online.

4

中国平安在新加坡推出纯线上零售投资平台

星评解读

7月17日,中国平安集团宣布将于今秋在新加坡推出面向散户投资者的纯线上投资平台。陆国际(新加坡)金融资产交易所,作为上海陆金所的分公司,已经获得新加坡金融管理局正式批准的“资本市场服务牌照”。用户可以直接在移动设备上进行投资理财,陆国际希望通过这种方式吸引大量私人银行客户之外、资金相对较少的投资者。

【原文详情】

An online-only platform for retail investors will launch here in the third quarter, China’s Ping An Group announced on Monday (July 17).

Lu International (Singapore) Financial Asset Exchange, a spin-off from the Shanghai-based Lufax, has received an in-principle approval from the Monetary Authority of Singapore for its capital markets services (CMS) licence.

The company, which will offer investments via mobile devices with no face-to-face encounters, hopes to attract customers who may have less wealth than those served by private banks.

END

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《宜信财富成为美国证交会(SEC)注册投资顾问;资产证券化将成为网贷领域大势所趋》 精选十

1

重磅!印度商业银行寻找全球合作伙伴发展金融科技

星评解读

印度商业银行在经营一个创业加速器项目Yes Fintech,目前正在寻求独家的全球交流项目合作伙伴,以帮助印度创业企业获得发达市场的业务和投资机会。为此,印度商业银行已经与马来西亚的一项**倡议(马来西亚全球创新与创意中心)建立了联系。未来几年,该银行还在寻求与美国、瑞典、挪威、新加坡、英国和以色列等国的类似合作伙伴关系。

【原文详情】

YES Bank, which runs a start-up accelerator programme called Yes Fintech, is looking at exclusive global exchange programme partnerships to help Indian start-ups gain access to developed markets in terms of business and investments.

Towards this end, the bank has already tied up with MaGIC (Malaysian Global InnovationCreativity Center), a Malaysian government initiative. It is also looking for similar partnerships with the US, Sweden, Norway, Singapore, the UK and Israel over the next few years.

2

研究表明女性更擅长众筹

星评解读

普华永道与众筹中心联合分析了近两年全球各地45万起众筹活动,发现由女性发起的众筹达到目标成功率比男性高出32%。这项研究结果于本周公布,研究结果还发现,女性主导的项目能够吸引每位投资者的平均投资为87美元,而男性主导项目吸引的每人平均投资为83美元。

【原文详情】

Consultancy firm PwC, together with The Crowdfunding Center, analyzed 450,000 crowdfunding campaigns across the globe over the past two years and found that those led by women were 32 percent more successful at reaching their target than those carried out by men.

The results of the study, which were published on Thursday, also found that female-led projects are able to attract an average $87 pledge per funder, while men received $83 on average.

3

数字银行必然走向多元化,否则将面临淘汰危机

星评解读

数字银行是当前最热门的金融科技投资领域之一。截至目前,欧洲十大数字银行融资总额达到5亿美元,其中Atom融资额占了一大半。但随着各金融科技公司竞相开展数字银行业务,竞争日益激烈,而单纯的数字银行对客户群体要求较高,从而获客成本**提高。面对这一问题,包括数字银行在内的金融科技公司都需要拓宽业务范围,提供一系列数字金融产品,其中数字银行业务将成为不可或缺的一部分。甚至在未来,我们可能会看到越来越多的在线金融超市。

【原文详情】

Digital banks are one of the hottest investment sectors in fintech right now, as Revolut’s recent $66 million series B shows. Across Europe the 10 largest digital bank financings have totalled $500 million so far, with Atom alone raising more than half that amount.

But there’s a hitch: Customer acquisition costs (CAC) for pure digital banking businesses are rising – fast. The fundamental problem, in Europe as well as in the U.S., is one of demographics: Dozens of fintechs are chasing a small, well-defined target customer base. These customers need to have enough disposable income, be digitally-savvy, and usually live in key urban areas. It can easily cost $100-250 to acquire customers in certain segments, and it takes an awful lot of $5-10 transaction fees for single-use services to generate a return on these customers. It boils down to a supply and demand issue: The number of high-value prospects is static, but there is a glut of well-funded and aggressive fintechs chasing them.

To combat this problem, fintechs, including digital banks, will need to broaden to provide a range of digital financial products, of which digital banking is an increasingly necessary one. Cross-selling, especially credit products, drives ma**mum profitability. Most fintechs and digital banks today are single service, specializing in lending, foreign exchange, or current accounts and consumer budgeting apps. Rising CACs, and the awakening of incumbent banks from complacency, will push fintechs to broaden faster than they may have intended. We will increasingly see “financial supermarkets” online.

4

中国平安在新加坡推出纯线上零售投资平台

星评解读

7月17日,中国平安集团宣布将于今秋在新加坡推出面向散户投资者的纯线上投资平台。陆国际(新加坡)金融资产交易所,作为上海陆金所的分公司,已经获得新加坡金融管理局正式批准的“资本市场服务牌照”。用户可以直接在移动设备上进行投资理财,陆国际希望通过这种方式吸引大量私人银行客户之外、资金相对较少的投资者。

【原文详情】

An online-only platform for retail investors will launch here in the third quarter, China’s Ping An Group announced on Monday (July 17).

Lu International (Singapore) Financial Asset Exchange, a spin-off from the Shanghai-based Lufax, has received an in-principle approval from the Monetary Authority of Singapore for its capital markets services (CMS) licence.

The company, which will offer investments via mobile devices with no face-to-face encounters, hopes to attract customers who may have less wealth than those served by private banks.

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