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银行业欲开启FinTech领域收购狂潮?近半数银行打算这么干
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Topic: 银行业欲开启FinTech领域收购狂潮?近半数银行打算这么干 (Read 160 times)
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银行业欲开启FinTech领域收购狂潮?近半数银行打算这么干
April 09, 2017, 08:38:47 AM
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彼时,一群金融科技暴发户纷纷扬言表态要彻底改造银行业务时,不少大型银行或许曾经对此嗤之以鼻。但此一时彼一时,如今大型银行对这些金融科技公司的态度和打算已经大不相同。
咨询公司埃森哲的CEO Richard Lumb表示,过去银行业并没有在意金融科技,认为这不过是新鲜玩意,不会造成什么影响,但现在它们的客户在不断流失,被一大群“食人鱼”瓜分。 Lumb的比喻虽然有些夸张,却道出了Fintech发展迅速的不争事实。
随着时间的推移,银行与Fintech金融科技公司合作,互惠互利,曾一度成为谈论金融服务时的主流视角。但是,尽管不少的银行认为要与Fintech公司合作,但目前来看,更多的是把他们看作收购对象。
据普华永道发布的报告,全球范围内几乎有50%的金融服务机构打算在三到五年内收购FinTech初创公司。十分之八的机构都预见到要与P2P借贷商、数字转账平台,以及其他正在重塑货币业务的无数公司达成战略性合作。
普华永道欧洲、中东和非洲部的FinTech主管Steve Davies表示,调查结果表明,FinTech正在转向一个新的交易决策阶段。
“展开FinTech领域的合作并不是为了要追随最新的潮流——而是为了找寻实现自己商业策略的最佳有效方式,并最终更好地服务客户”Davies在一个声明中表示。“金融服务行业已经开始拥抱FinTech。”
恐惧与对创新的渴望可能会对金融领域的领导者产生同样的刺激作用。在题为《重分疆土:FinTech对于金融服务日益增长的影响》的20页报告中,五分之四的银行高管担心,独立的FinTech公司会分走他们的收入。普华永道在全球范围内邀请了1308位金融服务经理参与此次研究投票。
本周,欧洲进行了一笔极具开创性意义的交易,可能这就是一个预示未来趋势的信号:法国巴黎银行以2亿欧元(2.13亿美元)的价格收购了法国数字银行Compte-Nickel。巴黎的行业贸易联盟“La French Tech”(法国科技)的发言人Maia Thomine Desmazures表示,这是法国目前最大的FinTech收购案。
“2017年,随着行业的成熟,我们期待看到能够达成更多的大型交易”Desmazures表示。
收购之潮早已拉开帷幕
除了欧洲之外,今年年初,墨西哥最大金融机构墨西哥外贸银行(BBVA Bancomer)收购了墨西哥的FinTech公司Openpay,后者致力于为个人、大小型企业提供实时支付服务。墨西哥外贸银行与Openpay达成合作之后,发现线上支付解决方案范围的扩大能带来更多的收益,因此决定收购该公司。
实际上,这种趋势几乎早已遍及欧美。去年3月,西班牙大型跨国银行集团BBVA将线上理财平台Holvi收入麾下,后者是芬兰一家初创企业,专为小企业主、自由职业者等提供金融服务。英国媒体指出,BBVA的意图很明显,就是要通过参股或购买Fintech企业巩固自己在未来银行业的地位。同月,高盛集团传出消息,宣布旗下的投资管理部门收购了在线退休储蓄平台Honest Dollar。
另外一些全球知名的金融机构也曾纷纷宣布收购FinTech初创企业。去年4月,美国通用汽车旗下的金融服务公司Ally Financial宣布,以2.75亿美元收购Trade King,后者被称为美国最具性价比的散户在线股票经纪商。几乎在同一时间,法国巴黎银行宣布与法国众筹平台Smart Angel建立合作关系,不久它们将共同开展项目,为小型公司与创业企业提供发行股票和获得散户投资的渠道。
如果银行业打算开启FinTech领域的收购狂潮,这对于风投家来说或许是一个意外横财。据毕马威与CB Insights,从2010年到2016年,投资者们已经向全球的FinTech初创公司投入了超过1320亿美元的资本。
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