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普华永道:金融科技初创企业的合作对银行的生存至关重要
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Topic: 普华永道:金融科技初创企业的合作对银行的生存至关重要 (Read 186 times)
btcmylove
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普华永道:金融科技初创企业的合作对银行的生存至关重要
April 29, 2017, 02:59:20 AM
#1
暴走时评:普华永道发布最新报告,表示金融科技公司和相关服务供应商的出现使银行和金融机构的收入大量损失。银行要跟上金融创新和变革的步伐,就必须与就金融科技初创企业合作制定长期的创新战略与规划。
翻译:Annie_Xu
与德勤(Deloitte)、安永(EY)和毕马威(KPMG)并称“四大”会计事务所的普华永道(PwC)在新研究中透露,金融科技公司和相关服务供应商的出现使银行和金融机构的收入大量损失。
比如阿里巴巴蚂蚁金服(Ant Financial)运行的金融网络和应用“支付宝”目前估值超过700亿美元,因为巨大的四亿注册用户群每年带来5190亿美元的支付量。
尽管比特币和其他加密货币也威胁到全球金融系统存在的理由,支付宝及其四倍于比特币的市场份额已经证明金融科技在全球的巨大潜力。
三月份报道显示支付宝在招聘区块链工程师和专家,计划进行区块链应用程序开发。事实上,蚂蚁金服CEO井贤栋说公司希望利用区块链给支付宝长久的支持,就像区块链支持比特币网络一样。他还提到利用区块链加密签名保护交易,每日处理百万笔交易的可能性。
除了亚洲,其他金融科技公司比如TransferWise已经筹集了数百万美元的资金,估值也超过十亿美元。去年五月份TransferWise就筹集了2600万美元,估值11亿美元。
TransferWise优化目前的全球金融和银行系统,让用户银行转账时间少于两天,原本这一流程需要一周时间。
银行的影响力
支付宝还关联法币,以人民币为基础。主流金融科技公司使银行获得自身平台创新的安全合作关系。TransferWise和支付宝等应用离不开全球银行系统,所以银行在这些初创企业中具备相当的影响力。
比特币带来完全不同的威胁,因为它提供新的去中心化基础设施,旨在颠覆全球银行系统。比特币并不是为了优化机构的金融运作,而是为了替代金融机构和中间商。
全球金融科技主管和美国普华永道合伙人Manoj Kashyap解释说,银行要跟上金融创新和变革的步伐,就必须与就金融科技初创企业合作制定长期的创新战略与规划。
“初创企业采用新兴技术,使创新在机构之外发生;如果金融机构想要加速创新,他们就必须大幅度增加与金融科技公司的合作”。
过时技术
他强调银行和传统金融机构利用过时技术,因此需要相应做出调整。
“传统金融机构在执行方面速度很慢。初创企业很快就可以适应新环境,相应做出调整。大型机构永远都完成不了。与他们融合就是噩梦,因为他们缺乏文化和认知,还有动力”。
PwC研究员说未来将会出现新趋势,银行将投资初创企业,与金融科技创新者紧密合作,以保证他们的平台和应用程序持续高效。
金融科技和加密货币行业已经在观察这个趋势。
Yorks
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Re: 普华永道:金融科技初创企业的合作对银行的生存至关重要
April 29, 2017, 11:51:38 PM
#2
金融科技和加密货币行业已经在观察这个趋势
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