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传统金融的互联网化全新的互联网金融模式区块链国际资讯投融资监管与政策

[未央翻译]Fintech国际资讯周报|2017年第50周

大举进军支付市场,印尼出行共享平台Go-Jek收购三家金融科技创企

本周五,印尼出行共享平台Go-Jek宣布收购三家当地金融科技企业,加快进军数字支付市场步伐。这三家企业包括:印尼离线支付处理平台Kartuku,印尼最大在线支付门户Midtrans,和社区储蓄与借贷网络平台Mapan。本次收购总额并未对外透露。收购完成后,Go-Jeck与三家创企的借记卡与信用卡合计业务处理规模将达到50亿美元,这其中还不包括用户、服务提供商和商家的数字钱包交易处理量。

Go-Jek是印度尼西亚首个规模达到10亿美元的科技创企,以摩托车在线预约出行服务起家,后来又紧追Uber和Grab脚步推出了私人汽车在线预约出行服务。随着印尼交通行业竞争不断加剧,Go-Jek又将按需服务拓展到了食物/药品外卖、包裹快递和家政服务等多个领域,用户可以用其自有的Go-Pay数字钱包进行支付。

维护数据使用公平性,纽约市将建立算法监控专门小组

本周,纽约市宣布将成立算法监控专门小组,维护各方数据使用的公平性。该小组将由来自自动化系统、算法和其他受数据算法影响领域的专家组成。他们将密切监控纽约市内现有算法的使用,同时为提高数据算法可靠性和避免偏见提供相关意见。目前,这一提案已经获得通过,只待市长签署即可生效。据了解,该小组还要依据调查结果出具一份专门的公共报告。报告可能不一定会在未来18个月内完成,因为算法系统涉及的数据量庞大,处理起来并不容易。

应对欧盟市场新规,瑞银集团牵头建立区块链数据报告系统

2018年1月3日,全新的《欧盟金融工具市场指令II》就将正式生效。按照规定要求,银行需要向监管机构提供更多的往来数据,同时银行与金融企业还有义务明确顾客、产品发行商和合约对方的必要信息。为应对这一监管新规,由瑞士瑞银集团牵头,包括巴克莱、瑞士信贷、比利时联合银行、瑞士证交所和汤森路透在内的多家金融巨头携手建立了一个区块链平台,以满足数据透明度和完整度的要求。传统的报告平台并不会完全被取代,联盟成员只是希望借助在微软Azure云端的这个区块链平台让相关金融企业展开数据质量自查。企业可以选择匿名上传数据到私有区块链,而其他法律主体也可以匿名进行查看。

美国证券托管结算公司:金融科技可能对金融稳定性造成威胁

今日,美国证券托管结算公司针对金融服务风险与安全展开了一项调查。结果显示,尽管金融科技这个新兴产业给人们的生活带来了种种好处,但仍然有大约15%的受访者认为,金融科技有可能成为金融系统风险的又一主要来源。据了解,这也是金融科技首次被列为风险因素。在这其中,监管不足是受访者最为担心的问题。除此之外,传统因素给人们带来的风险担忧更大。比如,网络风险占比高达76%,地缘政治不确定性也达到了69%,而新规监管影响则为45%。2013年起,美国证券托管结算公司开始在全球金融服务行业中开展这个"系统性风险基准调查",每半年进行一次。

英国替代金融规模突破46亿英镑

上周,剑桥大学替代金融研究中心发布了最新一期的《英国替代金融产业报告》。报告指出英国替代金融产业较去年增长43%,产业规模已经达到46亿英镑。其中:

  1. P2P商业借贷:12.3亿英镑
  2. P2P消费借贷:11.7亿英镑
  3. P2P房产借贷:11.5亿英镑
  4. 票据交易:4.52亿英镑
  5. 股权众筹:2.72亿英镑
  6. 房地产众筹:7100万英镑
  7. 回报型众筹:4800万英镑

然而报告也指出,尽管出现了大幅增长,但是英国在线替代金融平台的活力却也出现了下降。仅2016年全英就有35个平台被并购或关闭,而全英最大的5个平台占据了整个市场总量的64%之多,分配极其不平衡。

德意志银行智能投顾服务向散户市场开放

为应对市场对廉价资产管理服务的需求,德国最大银行--德意志银行--本周宣布将进一步改革自己的运营结构,将已经试行一个月的智能投顾服务Robin推广到所有支行网络中。其实,德意志银行并不是德国第一个推出智能投顾的机构。就在今年初,德国商业银行就曾通过其在线银行推出过一款名为Comdirect的智能投顾服务,只不过德意志银行这次是将线上线下网络有机融合在了一起。德意志银行在全德共有1500多家分行,除智能投顾服务外,该行还在努力将其邮政分支机构的零售分支网络整合到上级银行中。

新加坡财富整合创企Canopy获瑞士信贷投资

本周,瑞士信贷宣布投资新加坡数字财富整合平台Canopy,购得后者10%的股份。Canopy允许投资者整合来自不同地域、资产类别的银行(不)可接受的资产,并为其提供每日资产评估,确保投资组合和相关分析保持实时更新。Canopy表示,公司将利用本轮融资继续拓展新市场(比如香港和苏黎世)。其实早在2014年,瑞士信贷集团就在新加坡建立了自己的首个创新中心。在那里,瑞士信贷开发团队与多家技术公司合作开发了瑞士信贷全球数字私人银行业务的雏形,而该服务已于2015年3月正式在新加坡推出。

在线金融服务平台Affirm收获2亿美元E轮融资

本周一,在线金融服务平台Affirm宣布获得2亿美元E轮融资,GIC Private Limited领投。本轮融资结束后,Affirm已经累计融资4.5亿美元。Affirm表示,本次融资将主要用于提高公司的贷款分销能力。此外,Affirm还计划扩大商业合作伙伴范围。目前已经有1200多家机构与Affirm进行了合作,其中不乏Expedia,Wayfair,摩托罗拉,Dà-Jiāng Innovations (DJI), Casper 和Cole Haan等知名品牌。Affirm有关负责人也表示,该公司还计划拓展产品类型,将不仅仅局限在Affirm app平台。Affirm移动平台于2个月前正式推出,用户可直接在平台iOS App Store和Google Play中进行下载。

 

Go-Jek buys 3 fintech firms to conquer Indonesia payments

Go-Jek, Indonesia's first billion-dollar tech startup, has agreed to acquire three local fintech firms as it seeks to expand its grip on the digital payments market. The deals involve Kartuku, a leading offline payments processing company in Indonesia; Midtrans, said to be the nation's top online payment gateway; and Mapan, a community-based savings and lending network. The value of the deals were undisclosed. Together, Go-Jek and the companies process close to US$5 billion worth of debit and credit card, as well as digital wallet transactions for users, service providers, and merchants. Go-Jek started out with motorcycle-hailing, then added private cars to take on rivals Uber and Grab head-on. As it forged ahead in Indonesia's transportation battle, it also expanded into other on-demand services like food and medicine deliveries, parcel couriers, cleaners, and massages. Its digital wallet Go-Pay is what its customers use to pay for these services. (Source: Tech in Asia)

New York City moves to establish algorithm-monitoring task force

New York City may soon gain a task force dedicated to monitoring the fairness of algorithms used by municipal agencies. Formed from experts in automated systems and representatives of groups affected by those systems, it would be responsible for closely examining algorithms in use by the city and making recommendations on how to improve accountability and avoid bias. The bill, which doesn't have a fancy name, has been approved by the city council and is on the Mayor's desk for signing. The task force will be required to author a report that lays out procedures for dealing with situations like the above. The report itself (which would be public) wouldn't be due for 18 months, but this isn't the kind of thing you want to rush. Assessing these systems is a data-intensive task and creating parallel municipal systems to make sure people don't fall through the cracks is civically very important. (Source: TechCrunch)

UBS leads blockchain data reporting pilot ahead of new EU rules

The new EU rules, Markets in Financial Instruments Directive II, which are due to take effect on January 3, 2018, require banks to report more data to regulators and will also oblige banks and financial firms to obtain information identifying clients, issuers and counterparties of trades. Financial companies led by Swiss bank UBS are testing a blockchain platform to help them comply with new standards. The group includes Barclays, Credit Suisse, KBC, Swiss stock exchange SIX and Reuters parent Thomson Reuters. Rather than replacing existing processes the blockchain, which runs on the Microsoft Azure cloud, will let financial firms perform a "quality check" of their own data against that of others. The pilot may be expanded to not only detect anomalies but resolve them too. Firms can anonymously submit data onto the private blockchain, which will then check for any anomalies against other submissions under the same LEI (Legal Entity Identifier), allowing the firm to update or standardise its own submissions. (Source: Business Insider)

Fintech Listed as Emerging Risk to Financial Stability in Report

For all its benefits, Fintech is cropping up as a concern because of its potential to disrupt financial stability. That's according to a new report from Depository Trust & Clearing Corp., which surveyed people in financial services to get their views on what the biggest risks are to economic security. Fintech risk, which was included in this survey for the first time, was acknowledged as a significant source of risk by 15 percent of respondents. One area in particular that was mentioned was a lack of regulation, with respondents worrying that advancements have outpaced governance. Still, more traditional dangers were of greater concern. Cyber risk topped the list at 76 percent, followed by geopolitical uncertainties at 69 percent and the impact of new regulations at 45 percent. DTCC has conducted Systemic Risk Barometer Surveys across the global financial services industry on a semi-annual basis since 2013. (Source: BloombergMarkets)

The UK's 'alternative finance' industry is now worth £4.6 billion

The Cambridge Centre for Alternative Finance, which is part of the university's Judge Business School, released the fourth UK Alternative Finance Industry Report on Friday. According to the report, The UK's "alternative finance" industry has grown by 43% over the last year to £4.6 billion. Here's how the £4.6 billion "altfi" sector breaks down:

  1. Peer-to-peer business lending: £1.23 billion
  2. Peer-to-peer consumer lending: £1.17 billion
  3. Peer-to-peer property lending: £1.15 billion
  4. Invoice trading: £452 million
  5. Equity crowdfunding:£272 million
  6. Property crowdfunding:£71 million
  7. Reward-based crowdfunding:£48 million

However, despite the growth in volumes, the report found that 35 UK online alternative finance platforms became inactive in 2016 through mergers or closure. The five largest alternative finance platforms accounted for 64% of total market volume. (Source: Business Insider)

Deutsche Bank debuts robo-advisor for retail market

Germany's largest bank takes a further step in its restructuring as it responds to the growing demand for inexpensive asset management. After a soft launch last month, Deutsche is now planning to make its robo advisor service, called Robin, available through its branch network, a first in the German market. Commerzbank introduced a robo-advisor earlier this year through its online bank, Comdirect. Deutsche has more than 1,500 branches in Germany and is in the process of integrating the retail branch network of its Postbank subsidiary into the parent bank. (Source: Handelsblatt)

Credit Suisse acquires stake in Singapore wealth aggregation startup Canopy

Credit Suisse has acquired a ten percent stake in Singaporean digital wealth aggregation platform Canopy. Canopy allows clients to aggregate bankable and non-bankable assets across different geographies and asset classes and provides daily valuation updates to ensure that the portfolio and respective analytics remain up to date. Canopy says it will use the funding to expand into new markets, including Hong Kong and Zurich. Credit Suisse set up its first Innovation Hub in Singapore in 2014, where a development team alongside several technology companies worked together to develop the initial prototype of the bank's global digital private banking suite that was first launched in Singapore in March 2015. (Source: Finextra)

Affirm Confirms $200M Investment Round

Financial services company Affirm announced Monday it has raised $200 million in Series E funding from a consortium of investors led by global investment firm GIC Private Limited. In a press release, Affirm said funding to date comes to approximately $450 million. Affirm said the latest financing is earmarked to boost the company's credit distribution capacity. It will also add to its roster of merchant partners, currently numbering around 1,200. Among those partners are names such as Expedia, Wayfair, Motorola, Dà-Jiāng Innovations (DJI), Casper and Cole Haan. New product launches will also be in the offing, extending beyond an extant point of sale credit that is done in tandem with the Affirm app. The mobile app, which launched two months ago, is available through both the Apple iOS App Store and Android's Google Play. (Source: PYMNTS)


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