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Business Insider展望金融科技:中国将于2020年发布数字货币

admin 2020-02-13 16:55 未知

Based on these developments, our proprietary research, and the trends we’ve seen intensifying as we head into the new year, here are our top five predictions for fintech in 2020.

吾们展望,今年早些时候在保险科技周围投资2.5亿美元的慕尼暗再保险公司和已经达成众项金融科技配相符友人相关的苏黎世保险公司明年将采取这一做法,而比来已宣布与微柔配相符推出IaaS产品的安联将引领这一趋势。经由过程采用这栽模式,保险公司将能够创造新的收好来源,并将一些竞争对手转折为客户,同时掌握走业最新的数字趋势。

以下为Business Insider 通知原文,经钛媒体编译:

Coupled with the effects of supportive regulatory initiatives — Brazil published guidelines for open banking implementation in April 2019, while Argentina's central bank authorities introduced an initiative in 2018 that enables interoperability between traditional bank accounts and accounts operated by nonbank entities, as examples — we expect South American fintechs to reach quarterly funding of $1 billion in 2020.

Further, both incumbents and fintechs have been exploring new business models to diversify their revenue streams, players like Robinhood and Freetrade have been disrupting the trading industry by transforming the rules of the game, and emerging markets — such as Latin America — have come to the fore as vibrant fintech ecosystems.

也许是包括收购Instagram和WhatsApp在内的利好给了Facebook信念,缓解了其在监管方面的忧忧郁。然而,吾们认为这次将是分别的,由于全球周围内有越来越众的人民最先声援对对所有大型科技巨头进走逆垄断审阅,即使Libra在接下来的12个月内不会上市。

此前Libra联盟的一些中央成员,包括Visa、Mastercard和PayPal等均外示不再声援这个项现在,也给其带来了窒碍。但Facebook在11月已经记录了超过51000笔测试营业,并坚称它能够解决当局的忧忧郁,并在2020年下半年推出。

基于这些发展、吾们的特有钻研以及吾们在新的一年中望到的不息添剧的趋势,以下是吾们对金融科技2020年的五大展望。

像罗比尼奥如许的公司已经用他们的免费佣金模式减弱了现有的经纪公司,从而波动了美国的在线投资空间。这使得查尔斯施瓦布(Charles Schwab)成为第一家在10月份作废每笔4.95美元营业费的大型在线经纪公司,而TD-Ameritrade、E*trade和Fidelity也敏捷采取了这一举措。现在,这个走业正准备款待一波浪潮——相符并被作废的费用迫使在职者追求减少成本的手段来抵消收好的消极。

Facebook仍有信念发布Libra,但由于该项现在一向饱受指斥,吾们认为它不会在2020年推出。2019年6月,Facebook宣布计划在2020年上半年与28家配相符友人推出添密货币Libra。从当时首,很众监管机构及当局就最先仔细审阅这个项现在——他们不安Libra能够生长洗钱走为、危及用户资产并授予Facebook更众权力,这使得马克·扎克伯格不得不在国会眼前举办听证会以注释这总计不会发生。

2、South America’s ntech funding will reach a historic high of $1 billion within a single quarter next year.

添上声援性监管举措的影响——例如巴西于2019年4月发布了盛开银走营业实走指南,而阿根廷央走当局则在2018年推出了一项举措,以实现传统银走账户与非银走实体运营账户之间的互操作性——吾们展望南美金融科技公司将在2020年获得10亿美元的季度融资。 

(本文首发钛媒体,编译 | 石万佳)

Libra将不会在2020年上市,但中国将发布数字货币,此举将推动其异国家的发走计划,理由如下:南美金融科技周围的单季度融资额将达到10亿美元的历史最高程度。 幼批最具创新精神的保险公司将引领“保险即服务(IaaS)”的发展。券商巨头E*Trade将被收购,但收购者不是高盛。 受WeWork IPO战败影响,Lemonade IPO计划将推迟一年。

今年早些时候,WeWork的IPO战败能够引发这一决定,由于公司的湮没浮亏受到了外界对其商业模式和盈余能力的关注。固然Insuretech今年在竖立盈余营业方面取得了内心性挺进——它将折本率从2018岁暮的99%降至2019年第三季度的78%——但鉴于走业平均程度在65%至70%之间,它的可赓续性仍任重道远,所以吾们展望Insuretech不会在异日12个月内上市。

但高盛被传闻正在尽调收购案时,也有报道称其还在为美国银走集团(Bancorp)追求一项举措。吾们认为,与后者相符并对高盛更有意义,由于考虑到吾们银走集团的周围,这项营业将使高盛能够更快地扩大周围,避免在遭受重创的折价营业周围获得过众投资。

WeWork's failed IPO earlier this year likely triggered the decision, as the company's potential float was met with concern around its business model and ability to become profitable. While the insurtech made real strides toward building a profitable business this year — it reduced its loss ratio from 99% at the end of 2018 to 78% in Q3 2019 — it still has a long road to sustainability, with the industry average falling between 65% and 70%, so we don't anticipate the insurtech to go public in the next 12 months.

此外,业内外人士都在追求新的商业模式,以使其收好来源众样化,Robinhood和Freetrade等公司已经经由过程转折游玩规则扰乱了贸易走业,新兴市场如拉丁美洲已经成为足够活力的金融科技生态编制。

But while Goldman Sachs has been rumored to be looking into an E*Trade acquisition, it’s reportedly also exploring a move for US Bancorp. We believe pursuing a merger with the latter makes more sense for Goldman since the deal would allow it to scale faster, given US Bancorp’s size, and avoid getting too invested in the battered discount trading space.

5、In the aftermath of WeWork’s failed IPO, Lemonade will have to contend with another year of staying private.

We expect Munich Re, which invested$250 million in insurtech Next Insurance earlier this year, and Zurich Insurance, which has already struck a number of fintech partnerships, to take this approach next year, while Allianz will lead this trend, having recently announced an IaaS offering with Microsoft. By adopting this model, insurers will be able to generate new revenue streams and turn some competitors into customers, while staying on top of the latest digital trends in the industry.

The loss of support from some of its key members, including Visa, Mastercard, and PayPal, has also put a damper on the project. But Facebook has already logged over 51,000 test transactions in November and insists it can resolve government worries and launch within H2 2020.

We expect this will happen in 2020, as it has already started testing the digital currency in two cities. This will push an avalanche of other major authorities, particularly the Bank of England and central banks in the EU — with Sweden being a current forerunner — to take steps in that direction to avoid falling behind China.

This confidence is likely fueled by a strong track record of getting its way, including with the acquisitions of Instagram and WhatsApp, despite regulatory concerns. However, we think this time will be different given the slew of voices globally that have raised concerns and mounting antitrust scrutiny against all big tech giants — if at all, Libra won't launch in the next 12 months.

吾们展望这将在2020年实现,由于已经有两个城市最先测试数字货币。这将促使其异国家的相关部分,稀奇是英国央走和欧盟各国央走(瑞典是现在的先走者)纷纷采取措施,避免落后于中国。

与此同时,中国将在2020年推出本身的添密技术,并引领其他一些国家添快这方面进程。尽管Facebook的添密计划望首来很阴郁,但中国央走已经挨近推出本身的添密方案:它在2018年最先钻研这项营业,今年8月有报道称,添密技术“即将面世”。

Developments in banking are often good indicators of upcoming trends in the insurance industry. One trend that accelerated in the banking space in 2019 was Banking-as-a-Service (BaaS), which saw neobanks and incumbents — including BBVA and Starling — open up their APIs to let third parties build banking solutions using their licensing and underlying infrastructure. And as a number of full-stack insurtechs, which have their own insurance licenses and own the whole value chain, encroach on incumbent insurers' turf — much like neobanks are doing in the banking space — we expect to see a few insurers turn this threat into an opportunity by allowing both incumbents and startups to leverage their technology and licensing to replace legacy IT or build innovative business-to- customer solutions.

2019年第三季度,该地区的金融科技企业共获得7.04亿美元融资,按照CB Insights的数据,这是有史以来融资周围最大的一个季度。现在年迄今为止已有4轮大型融资,其中包括巴西的Nubank在7月份获得了4亿美元的融资,阿根廷的Ula在11月份获得了1.5亿美元的融资。这些公司的投资者包括腾讯和柔银,而高盛旗下的投资集团也在考虑投资该地区的金融科技走业。

The large number of unbanked consumers, combined with an uncompetitive financial industry that's dominated by a few incumbents, have created a fertile ground for disruption, especially since smartphone and internet penetration across the region are accelerating. For instance, three-quarters of Brazilians used smartphones in 2017, and this figure is expected to tick up to 86% by 2025, per GSMA data.

此外,Business Insider 还挑出了其对南美洲金融科技发展的望好。其认为,2020年南美金融科技周围的单季度融资额将达到10亿美元的历史最高程度。

3、A handful of the most innovative incumbent insurers will lead the way on Insurance-as-a- Service (IaaS).

银走业的发展情况往往是判定保险业异日趋势的卓异指标。2019年银走业添速发展的一个趋势是银走即服务(BaaS),新银走和现有企业(包括BBVA和Starling)盛开了他们的API,让第三方行使其允诺证和基础设施构建银走解决方案。而且,随着一些拥有本身的保险执照、拥有整个价值链的全套保险技术公司霸占了现有保险公司的地盘,就像新银走在银走周围所做的那样,吾们展望会有几家保险公司经由过程批准在职者、初创企业等行使他们的技术和允诺来取代传统的IT或构建创新的企业对客户解决方案,将这一挑衅转化为机遇。 

南美洲具有VC背景的金融科技投资基金周围

2019年对于金融科技走业而言是足够活力并且意义庞大的一年,各大科技巨头纷纷深入金融服务周围,企业和当局纷纷将重心转向数字货币,整个走业的关偏重心逐渐由用户添长迁移到可赓续性。

相关美国保险科技独角兽(insuretech unicorn)期待上市的消息最早出现在今年6月,当时以色列信息机构CTech报道称,柠檬水公司(Lemonade)期待在纽约IPO期间筹集逾5亿美元资金。然而,在11月,消息人士外示,Insuretech推迟了今年上市的计划,该公司最早期待在2019年8月或9月上市,由于人们不安Fintech的添长速度有众快被市场所感知。 

News about the US insurtech unicorn wanting to go public first emerged in June this year, when Israeli news outlet CTech reported that Lemonade was looking to raise over $500 million during an IPO in New York. However, in November, sources said that the insurtech postponed plans to go public this year — which it wanted to do as early as August or September 2019 — amid concerns over how fast-growing fintechsare perceived by the market.

And with Charles Schwab having agreed to acquire TD Ameritrade for $26 billion in late November, we think E*Trade is the next most likely acquisition target: The smaller peer will need to look for potential buyers following the announced deal between the US’ two biggest publicly traded discount brokers.

大量无银走存款的消耗者,添上一个由幼批当权者主导的异国竞争力的金融走业,尤其是智能手机和互联网在该地区的添速排泄,为推翻创造了胖沃的土壤。例如,2017年仅有四分之三的巴西人在行使智能手机,而按照GSMA的数据,这一数字在2025年将达到86%。

2019 marked a dynamic and eventful year for the fintech industry, with big tech players pushing deeper into financial services, corporate giants and governments alike turning their focus to digital currencies, and the industry shifting its attention from fintechs’ user growth numbers to sustainability.

Fintechs in the region raised $704 million in Q3 2019, marking a record quarter in terms of funding, per CB Insights, and there have been four mega rounds so far this year, including Brazil's Nubank securing $400 million in July and Argentina's Ualá snagging $150 million in November. Investors in these companies include Tencent and SoftBank, while Goldman Sachs' special situations group has also set its sights on investing in the region's fintechs.

Facebook remains confident it can deliver on Libra, but since the project has been plagued by criticism, we don't think it will launch in 2020. In June, Facebook announced its plan to launch its cryptocurrency, Libra, with 28 partners in H1 2020. Many regulatory bodies and governments have scrutinized the project since then — Mark Zuckerberg had to testify in front of Congress amid concerns that Libra could facilitate money laundering, endanger users' assets, and give Facebook more power, for instance. 

Meanwhile, China will launch its own crypto in 2020, leading a number of other countries to ramp up similar efforts. Although Facebook's crypto plans are looking bleak, China's central bank has gotten close to launching its own crypto: It began researching the venture in 2018, and it was reported in August that the crypto was "close to being out."

钛媒体注:近日,Business Insider 发布了对于2020年科技走业30大展望,其中包括对于金融科技走业的五大展望。Business Insider 认为,在2019年引首全球关注的Libra将不会在2020发布,但中国将发布数字货币,此举将推动其异国家的发走计划。

Players like Robinhood have shaken up the US online investment space by undercutting incumbent brokerage firms with their fee- free commission models. This led Charles Schwab to become the first major online broker to eliminate its $4.95 per-trade fee in October — a move that was quickly matched by TD Ameritrade, E*Trade, and Fidelity. Now, the industry is bracing for a wave of consolidation as eliminated fees force incumbents to seek ways to cut costs to offset declining revenues.

鉴于查尔斯施瓦布(Charles Schwab)已于11月终批准以260亿美元收购TD Ameritrade,吾们认为E*Trade是下一个最有能够的收购现在的:周围较幼的同走在美国两家最大的上市扣头经纪公司宣布营业后,将必要追求湮没买家。 

4、E*Trade will be snapped up in 2020 — but not by Goldman Sachs.

1、Libra won’t launch in 2020, but China will launch a digital currency and push other jurisdictions to follow suit — here’s why:



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