ʻO kekahi manawa ma luna o ke kālā kālā, Bank & Kālā | Fintech Zoom

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Ua hoʻohui ʻo EUROPE's fintech upstarts i nā ʻumi kaukani a me nā tausani o nā mea kūʻai aku a me nā piliona o nā waihona kālā o kā lākou ʻoihana waiwai i hoʻonui ʻia i nā makahiki i hala.. A i kēia manawa, ʻO ka hakakā e hoʻololi i kahi kālā ke lele pololei nei i ke kaua no ke ola.

Monzo a me Revolut, ʻelua o nā alakaʻi o ka ʻoihana, kamaʻilio e pili ana i nā poho i ʻoi aʻe ma mua o ka pālua a me ka pākolu o kēlā me kēia koena kālā makahiki. Ua kamaʻilio ʻo Monzo e pili ana i ia mea ʻoiai ua lawa kona kālā no ka mea liʻiliʻi loa i ka wā e hiki mai ana 12 mahina, ʻO kona hiki ke hoʻomau i ka hana ma ke ʻano he "manaʻo hoʻomau" ua nīnau ʻia i loko o kahi ʻoihana ʻohi kālā paʻakikī.. Ua pani ʻo N26 i kāna ʻoihana UK i kēia makahiki.

Hoʻohālikelike ʻia nā ʻāpana o ka ʻoihana i kahi hoʻi e nā mea kūʻai, nāna e hoʻemi i ke kālā no nā ʻoihana fintech ma ka honua holoʻokoʻa i loko o ka hapa mua o 2020 ma kahi o 35 pākēneka i US $25.6 biliona mai ka manawa like ma 2019, wahi a ka ʻike mai KPMG. Ua hopohopo nā mea kūʻai aku e ka hāʻule kālā mai Covid-19 laka i huki ʻia mai ka mākeke, wahi a ka hui kūkākūkā "Pulse of Fintech" hōʻike.

ʻAʻohe hōʻoia maopopo

"ʻO nā manawa o nā puke loiloi ʻole e hōʻuluʻulu i nā mea hana a me kahi kumu kūʻai, i kēia manawa, ua hele,” kamaʻilio e pili ana iā Tim Levene, luna luna nui o ka hui ʻoihana ʻoihana ʻo Lākana ʻo Augmentum Fintech, ka mea i kākoʻo i nā ʻoihana i loko o ka ʻoihana e hoʻomaikaʻi ana iā Monese a me Tide. Ma ke ano he pani, ʻO ka manaʻo o nā mea kūʻai aku i ka loaʻa kālā a me ka hoʻomau o ka loaʻa kālā.

Me ka mea hoʻohana-aloha, waihona kālā pili polokalamu, Ua loaʻa i nā fintechs ka māhele mākeke ma ka nānā ʻana i nā hui i lawelawe ʻia e nā waihona hoʻoilina, e hoʻomaikaʻi ana i nā haumāna kula kula kumu a me nā malihini hou.

pinepine, Hāʻawi ʻia nā mea kūʻai i nā moʻokāki kumu me ka uku ʻole a hōʻiliʻili nā ʻoihana i nā koina no nā mea hoʻolako e hoʻomaikaʻi ana i ka hoʻihoʻi kālā.. Hiki i nā prospects ke pale i nā uku ma ka hoʻololi ʻana i nā mea kūʻai aku i uku ʻia me nā pōmaikaʻi e like me ke kumu kūʻai kala ʻokoʻa e komo ana i nā kāleka pāʻani a me nā kaʻa hoʻokipa manuahi manuahi.. Hāʻawi pinepine nā ʻoihana i ke kūʻai ʻana a me ka hoʻolaha ʻana a i ʻole nā ​​​​hui kālā huna, ka hoʻohanohano ʻana i nā kālā crypto. Ua koi aku ka poʻe kūʻē i nā mea he nui e hoʻopiʻi i nā hoʻopiʻi o ka ʻimi i nā moʻokāki a me ka hoʻolilo ʻana i ka hoʻolaha.

Ma muli o kēia, ua loaʻa iā lākou he ʻumi kaukani a me nā tausani o nā mea kūʻai aku - akā naʻe he kakaikahi wale nō ka waiwai.

Ua kamaʻilio ʻo Passion Capital confederate a me ka lālā o ka papa Monzo ʻo Eileen Burbidge e pili ana i ka fintech i kahi hoʻolālā e ulu i mea kūpono., hōʻole naʻe e wehewehe. ʻO ka hui 4 miliona mau mea kūʻai e hōʻike ana ua "loaʻa" i ka mākeke UK, ua kamaʻilio ʻo ia. Ua kuhikuhi ʻia kahi ʻōlelo a ka hui i ka hōʻike makahiki a Monzo, e ʻōlelo ana e hoʻomau ia i mea e hoʻohui i nā mea kūʻai premium, e hoʻonui i nā moʻokāki ʻoihana a hoʻomohala i loko o ka US. ʻAʻole i wehewehe ka mea ʻōlelo.

Ma o Oct 31, ʻO ka hui i kamaʻilio e pili ana i kahi weblog e hoʻouna ana e ʻōwili i nā koina hou no ka haʻalele ʻana ma mua o £ 250 (S$454) i ke kālā i loko o kahi 30 lā, a me £5 no ka hoʻokomo ʻana i ka pāʻani kāleka.

Ua ʻike ʻo Fintech i "hoʻokahi o nā mākeke bipi lōʻihi loa i ka mōʻaukala mua,” Ua kamaʻilio ʻo Ms Burbidge. "He mea hiki ʻole ia i kekahi manawa i ʻike ʻole ʻia ma hope a i ʻole ma hope o ka manawa ʻaʻole nā ​​​​kānaka a pau e lanakila."

Ua kamaʻilio ka mea hoʻokumu ʻo N26 ʻo Maximilian Tayenthal e pili ana i nā pohō e hoʻihoʻi hou i "kahi manawa o ka holomua wikiwiki loa". Kākoʻo ka poʻe kālepa a hiki i kēia manawa a hiki i ka ʻoihana ke maʻalahi e uhi i kāna mau uku, ma waho aʻe o ka hoʻolaha ʻana i nā kumukūʻai, a pau i ka makahiki e hiki mai ana, ua kamaʻilio ʻo ia.

E ʻike ka loaʻa kālā i ka "hoʻomaikaʻi kūpono e koi ʻia e ka pane ʻana i nā makemake o ka mea kūʻai aku", i kamaʻilio ai kahi ʻōlelo a Revolut, me ka hāʻawi ʻole ʻana i kahi manawa. Ua kuhikuhi ka hui i ka piʻi ʻana o ka loaʻa kālā, e ala aʻe ana 180 pākēneka i koe makahiki, a me nā helu kūʻai, i lele mai 3.5 miliona ma kahi wale nō 13 miliona ma mua o ka makahiki hope loa.

Nā ʻīlio hou, nā hoʻolālā mua

ʻO ka ʻoihana kapena ʻoihana i hoʻopaʻa i ka holomua o ka fintechs ua hoʻomaka e huki hou mai nā ʻoihana ʻenehana pono ʻole., me nā hemahema kiʻekiʻe e like me WeWork e makaʻala i nā mea kūʻai. ʻO ka pivoting i nā mea hoʻokele waiwai maʻamau ke kī, kamaʻilio e pili ana iā Kebbie Sebastian, ka luna hoʻomalu o ka hui kūkākūkā fintech Penser a me nā luna PayPal mua.

"ʻO ke ala e loaʻa ai ka loaʻa kālā ma ka waihona kālā i loko o ka ʻoihana o ka panakō, ʻo ia wale nō ka waiho ʻana a me ka hōʻaiʻē,” ua kamaʻilio ʻo ia.

ʻO ke Kauoha i kēlā ʻo SoftBank Group Corp-backed Oaknorth Financial institution, i hoike mai he 88 pākēneka e hoʻonui i ka loaʻa kālā ma kahi o £50 miliona ma 2019. Hāʻawi ka mea hāʻawi kālā kikohoʻe i nā hui i "ka naʻau nalo" o nā ʻoihana nui loa no ka hōʻaiʻē peer-to-peer., Ua kamaʻilio ka mea hoʻokumu ʻo Rishi Khosla.

"Ua kūkulu mākou i ka ʻoihana me ka noʻonoʻo ʻana i ka ʻaiʻē,” ua kamaʻilio ʻo ia. "ʻAʻole naʻe i loaʻa iā mākou ka hapa nui o nā hewa mai ka wā i hoʻomaka ai, a ke hana nei i ke ʻano ma mua o ka mea i manaʻo ʻia e kekahi keʻena hoʻolimalima.

Ua hoʻomaka ʻo Starling Financial institution e hōʻaiʻē 2018 a hoʻopaʻa i kēlā me kēia mea kūʻai aku a me nā hui liʻiliʻi a waena. ʻOiai ʻoi aku ka nui o nā poho o ka hui ma mua o ka pālua ʻana o ka makahiki i koe, ʻO kāna mau luna nui ʻo Anne Boden i kamaʻilio e pili ana i ka papahana e kōkua i ka waiwai o ka ʻoihana ma ka hopena o ka makahiki.

"He mea maʻalahi ka loaʻa ʻana o nā ʻumi tausani a me nā tausani o nā mea kūʻai aku inā ʻaʻohe kaulike o nā mea kūʻai aku a hoʻohana ʻole iā ʻoe.,” āna i kamaʻilio ai, hui pū me ka hui i ma kahi o £ ʻEkolu biliona ma nā waihona a ʻoi aku ka kiʻekiʻe ma mua o 1.5 miliona mea kūʻai.

Ua hōʻike ʻo Monzo i ka £ 1.39 biliona o nā waihona i ka hopena o ka makahiki kālā hope loa. Ua hōʻike ʻo Revolut i ka £ 2.36 biliona ma ka hopena o 2019. Loaʻa i kēlā me kēia ʻoihana nā papahana moraki.

Ua hoʻomaʻemaʻe ʻia ka hāʻawi ʻana a ua ulu aʻe e lilo i kuʻekuʻe wāwae ʻo Achilles", kamaʻilio e pili ana iā Augmentum's Mr Levene. "ʻAʻole ia he kumu e hiki ai iā ʻoe ke hoʻāla a hōʻuluʻulu i kahi kahawai kālā kūpono."

ʻOkoʻa maʻemaʻe

Inā hoʻomau ka pilikia maʻi maʻi i nā mahina ʻeono e hiki mai ana, E hoʻomaka ke kālā e maloʻo a hiki i ka mākeke ke hoʻohui me nā ukana o "M pilikia&E like me,"Ua kamaʻilio ʻo Mr Sebastian o Penser.

Nā ʻoihana ʻike ʻōlelo Pākē, e hoʻomaikaʻi ana iā Tencent Holdings Ltd, hiki ke komo i ka makeke, kamaʻilio e pili ana iā Lex Sokolin, ʻO ke poʻo o ka honua fintech ma ConsenSys.

ʻAʻole i pane koke aku kahi loea kūʻai aku no Tencent i kahi noi no ka manaʻo. Hiki i nā mea kūʻai aku ke hoʻokomo i nā panakō kūʻai a i ʻole nā ​​​​lawelawe lawelawe kālā e ʻimi e hoʻokūkū me nā ʻoihana ʻoi aku., kamaʻilio e pili ana iā Nick Kingsbury, hui pū ʻia ma ka hui ʻoihana ʻoihana ʻo Amadeus Capital.

Ua hoʻonui hou aku nā waihona hoʻoilina i kā lākou mea kūʻai kelepona e hoʻokūkū me nā mea hoʻokūkū. Hoʻomākaukau ʻo NatWest Group i kahi incubator fintech, nāna i hoʻopuka i ka ʻoihana kālā ʻoihana pūnaewele ʻo Mettle. Ua hoʻomaka ʻo Goldman Sachs Group Inc i kahi waihona mālama kālā kālā kālā ma 2016, hāʻawi ʻana i nā hōʻaiʻē pilikino me ka uku ʻole.

Ua wehewehe ʻo Ms Burbidge i ka hoʻohui ʻana ma ke ʻano he "koho maʻemaʻe, a me ka pilikia”, a me ka manaʻo manaʻo aia aia nā manaʻo maikaʻi loa a ola ka mea maikaʻi loa. BLOOMBERG