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八家初创公司亮相埃森哲亚太金融技术创新实验室投资者日
作者：Lara Wozniak & | & 编译者：spring_zqy & | & 来源：时间： 15:16:46 & | & 浏览：758& | & 收藏：0 & | & 评论：0
暴走时评：第三届亚太地区金融科技（Fintech）创新实验室投资者日在香港召开，八家顶尖初创企业进行了产品与服务演示。这个项目是由埃森哲咨询公司于2014年6月创办的，是一个为期12周的指导训练项目，可以让初创公司与投资人相遇，与高技术人才相遇，从而推动业务技术双向发展。
翻译：spring_zqy
八家亚太金融科技创新实验室初创企业亮相香港数码港投资日
——项目参与公司包括ChartIQ， HedgeSPA， KYC-Chain Lattice， Privé Managers， Seerene，Siork以及TNG Wallet
亚太地区金融科技融资活动图
香港（美国商业新闻社）——今天在第三届亚太地区金融科技创新实验室投资者日上，几家进过挑选的领先金融服务技术（Fintech）向数家大型银行、风投企业以及技术高管展示了其产品及服务。
金融科技创新实验室是2014年6月由埃森哲咨询公司创办，是一个为期12周的亚太地区指导训练营项目，让初创公司同来自世界领先金融机构的决策人相遇，以推动金融科技创新，并增加高科技人才就业。
香港特别行政区创新科技局局长杨伟雄表示，“投资者日在香港一直广受关注，因为投资者日展现了一个最佳实践，那就是金融服务业同埃森哲以及政府在共同努力，以推动初创公司探索探索新方案，解决行业面临的挑战。亚太地区金融科技发展蒸蒸日上，我们非常乐意来带领这个合作发展下去。”
2016年前三季度，亚太地区的金融科技投资达到将近105亿美元，其中大部分得到投资赞助的公司来自大中华地区。这个数据比欧洲和美国都要多，欧洲地区的投资额为20亿美元，美国同期投资总额为60亿美元。
埃森哲金融服务部门的资深执行董事兼亚太地区金融科技实验室执行发起人Jon Allaway说：“我们看到，越来越多的金融机构愿意同金融科技初创公司进行合作，来帮助解决新的挑战，包括从更好的采用区块链技术到最大化信息技术效率等等。我们现在看到的初创公司一般都有银行业经验，并且清楚银行未来的发展前景，或者他们都认为如今的用户体验需要改变，他们很愿意去做出改变。正是他们的热情以及对特定领域的敏锐观察力，使得他们掌握了专业知识，增加了他们对金融服务公司的价值。”
今年实验室的八家公司是由金融机构的高级技术高管挑选出来的，花了12周时间来接收高密度的导师指导以及产品业务发展建议，并获得同高级金融行业、技术及风投高管接触的机会。12家主要金融机构包括：美国银行美林证券、法国巴黎银行、澳洲联邦银行、瑞士信贷、忠利集团、高盛集团、汇丰集团、摩根大通、马来亚银行、摩根士丹利、永明金融集团、瑞联集团。此外，支持的银行有：中信银行（国际）、中国建设银行（亚洲）、麦格理集团、野村证券、渣打银行、暹罗商业银行、法国兴业银行、日本三井住友金融集团（SMFG）。
初创公开开发了一系列创新产品——从面向客户投资的财务管理解决方法、利用区块链技术的客户了解（KYC）服务、以及采用汉字算法的防诈骗方案，来帮助金融机构识别风险。这些初创公司包括：ChartIQ——提供了在HTML5上的专门针对证券的财务图表及数据可视化产品。这家位于弗吉尼亚州夏洛茨维尔市的初创公司在纽约、伦敦、塞浦路斯等地都设立了办公室，在全世界范围内有超过125个客户。其基于时间序列的图标解决方案为投资银行、经纪行、交易平台以及金融门户提供可视的图表及数据，实现从遗留技术到未来HTML5的跨越。
HedgeSPA——是一套预测投资分析平台，可以让投资专家利用互联网来改善性能。HedgeSPA在新加坡和加利福尼亚都设有办公处，其采用了大数据技术来进行资产筛选。结合未来市场场景，减少75%的低水平投资，实现每日投资组合管理自动化。用户可以对基于云平台的投资分析进行竞争访问，之前这类分析是封闭且费用很高。
KYC-Chain——采用生物计量学、新兴技术以及分布式账本（区块链）技术来简化处理进程，为身份识别提供共识。KYC-Chain可以让前线销售部门以及合规检查部门，在一个安全、以用户为中心的加密环境中，以较低成本持续同零售商及其他金融机构进行交互。这家新加坡公司所研究的平台已经上线并且在几家银行投入生产。
Lattice——为投资人、投资管理人、风险管理人以及交易人员开发了一套投资组支持软件。这家公司在香港，其平台包含一个在浏览前提下的投资组合优化器，以及灵活的投资组合分析法，来向投资人阐明依据，以做出快速简明的决定。这个平台可以帮助检查并准确操纵有意或无意的商品、货币、部门甚至是国家的曝光。如果有真实的投资目标建立，Lattic的EPD就会发送“一键式”平衡资产组。
Privé Managers——是一个完全融合且全面的财富与资产管理平台，在专利仿生咨询引擎下运行。这家位于香港的初创公司，其平台已经为几家亚洲、欧洲大型国际金融机构所使用。其基于标准组件的方案满足了各类金融中介与咨询公司的需求，能够更加高效地增加资产，并且通过技术减少成本。
Seerene——提供深入见解、可行性分析以及透明度，从而改善效率、节省成本。公司位于柏林，在香港纽约也设有办事处，Seerene将现有数据源接入到企业，收集信息并提供一种他们称之为“X射线视角”的技术，可以在仪表盘上进行访问浏览。Seerene控制各种技术债务的美元效应，控制数字转型以及所有软件堆栈、团队及技术的改变。其目的是帮助首席信息官以及IT高管提高效率，节省成本。
SIORK——在发达市场及新兴市场，帮助金融机构评估客户数据，检测诈骗及洗钱之类的犯罪行为。SIORK位于日本东京，在台湾、美国也有办事处，其产品可以自动学习客户行为、识别可疑活动，并为客户提供实时交易封闭机制，以防止犯罪时间。产品之所以独特，是因为它采用全套汉字模糊匹配算法，结合人工智能学习能力，来帮助全球金融机构分析用汉字记录的原数据，比如客户姓名以及其他零散信息。
TNG Wallet——为商户、个人之间的资金转移、全球支付、手机卡充值、外汇交易以及全年现金提取提供电子钱包支付方式。通过便利店、ATM终端机、信用卡及各类网上银行平台的充值点，TNG Wallet共有370,000次下载量。商户可以借此获得在承担范围内的非吸纳进支付选线，因为其处理费用较低，从而在TNG告诉结算的帮助下改善现金流动情况，并且它也是一个很好的客户关系管理工具，来推进商户与消费者之前的进一步沟通对接。
Cyberport（数码港）的首席执行官Herman Lam在大会期间宣布，他们将扩大同埃森哲的合作，就在这里继续开展未来三年的训练营项目。
Lam 表示：
“香港数码港和埃森哲自2014年就开始合作，来推进这个面向金融科技初创公司的导师训练营项目。几年我们进入了一个全新的阶段，在我们数码港，我们只谈金融科技，我们要加大整个大中华区金融科技的研究力度。我们会在香港带头推进新业务的开展。”
亚太地区金融科技创新实验室的模式类似于埃森哲2010年同纽约合作组织基金会建立的合作项目，当时其纽约合作组织供投资一亿五千万美元。2012年，在市长及其他政府部门的支持下，埃森哲以及伦敦数十家大型银行开办了伦敦金融科技创新实验室。2014年，埃森哲又推出了亚太、都柏林、爱尔兰地区的金融科技创新实验室。
放眼全球，实验室涉及的公司在参加完这个项目后，已经筹得超过3.86亿美元。其中四家来自纽约金融科技创新实验室的公司已经被收购，2015年有两家，包括Standard Treasury和BillGuard。
后参与评论Fintech在德国的市场、机遇与挑战
提到德国，很多人会想到德国制造，工业4.0（Industrie 4.0），有些人会想到足球和啤酒，还有人会想到柏林墙和新天鹅堡，有多少人会马上想到德国的Fintech公司？
难道Fintech公司和德国经济和国情不够匹配？或者号称保守严谨的德国人民不吃Fintech这一套？仔细想想，虽然英国退欧已成定局，欧洲金融业的中心应该还在伦敦; 德国的好邻居瑞士的银行知名度更高; 而曾经坚挺的德国马克也早被欧元取代成为历史。德国的金融行业似乎在默默发展，很少成为各界人士关注的焦点。
作为欧洲经济大国，德国银行业的规模远远超过欧洲其它国家，拥有着700多家保险公司的德国保险业也高于欧洲平均水平。但德国人民对银行和金融机构的感情却是颇为复杂。很多德国人对自家银行是又爱又恨，虽然对银行信任度递减，但不到非换不可的情况他们还是会保留原来的账户。德国人民一生不换银行并非是一个空口无凭的传说。根据Ernst &Young 的问卷，百分之五十的德国人对他们的银行非常信任。作为比较的西班牙人和意大利人对他们的银行的信任度排在最末。
所以，对有些比较传统，特别是上了一定年纪的德国人来说，连是否开通网上银行都是一个人生重要决定，Fintech更是一个太新潮而且不可完全信任的概念。
此外，重视高科技的德国还有现金至上的传统，那句“现金才是真的。（Nur Bares ist Wahres.）”的谚语在金融科技蓬勃发展的今天也是深入人心。
举个日常生活的例子吧。在很多人每天必去的面包店里，买个面包喝杯咖啡自然是备好零钱，钱货两讫。许多传统面包店连刷卡设备都没有，更不用说手机支付之类的新科技了。在全球金融科技发展势不可挡，关注度持高不下的今天，关于德国Fintech创业公司的资料和分析并不多。而Fintech企业在作为欧洲经济最强体的德国的发展和趋势，对比较美国、中国及欧洲金融科技发展有很大的研究价值。
华尔街Fintech俱乐部(www.wallstreetfintech.com)的德国及欧洲Fintech研究系列将对德国Fintech市场、规模、在欧洲的地位及影响等方面做一个大概介绍，抛砖引玉，与大家共同探讨Fintech在德国和欧洲发展的机遇和挑战。
德国Fintech市场
Fintech公司在德国分布
德国新创Fintech 公司主要集中在的几个大城市：柏林、慕尼黑、法兰克福和汉堡。首都柏林（目前有81家Fintech企业）和莱茵美因内卡河流域地区（87家）的发展尤为引人注目。约有36家金融科技企业的慕尼黑位列第三。[1]
从下面来自paymentandbanking网站的德国Fintech企业概况图[2]可以看到，图上有一些被红线划掉的公司，红线标志该公司业务已经不活跃或不存在。Fintech初创公司在德国的发展虽然势头猛劲，但也并非一帆风顺。
Source:http://paymentandbanking.com/german-fintech-overview-unbundling-banks/
德国Fintech市场发展
据德国《法兰克福汇报》在日报道， 德国财政部指出，德国正在走向金融科技国家的路上。数码化在给消费者带来利益和方便的同时，其隐藏的风险也应引起重视。一方面，Fintech行业的崛起给传统的金融领域带来更多的竞争挑战和机会; 另外，英国脱欧也为德国创造了吸引更多Fintech公司的潜在机会。财政部将和德国联邦金融监管局(BaFin：TheFederal Financial Supervisory Authority)一起加强与Fintech公司联系，对金融产品进行公平的规范和监管，同时保护消费者的应有权益。[3]
德国财政部在日正式发布了一份关于德国Fintech市场报告[4]。该报告是联邦财政部议会国务秘书 GregorDorfleitner 和德国特里尔大学教授 Lars Hornuf 等人联合撰写，重点研究分析德国Fintech行业从2007年至2015年的整体情况，并对未来发展趋势进行预测评估。该项报告对Fintech的八个区域市场在2020年，2025年以及2035年发展做出了预测。
1. 德国Fintech公司发展现状
德国共有433家Fintech公司，其中业务活跃的公司有346家，其余87家企业有些在2016年表现不活跃，部分已经破产倒闭。
由于Fintech公司还没有准确统一的定义，所以本次报告主要关注金融科技的分类市场，该报告重点为融资和资产管理。报告中的Fintech公司包括众筹及众筹投资的网络平台公司，互联网金融门户网站和智能投顾咨询公司等。
在2015年，在融资和资产管理部分，活跃的Fintech公司体现出来的市场总交易量达到22亿欧元，其中集资领域市场交易量（捐赠众筹、股权众筹和网络借贷）达到了2.7亿。其中交易平台和智能投顾服务公司管理了3.6亿欧元的资产。
Fintech支付领域的交易量达到17亿欧元。
在2015年，大约有120万人采用了独立的个人财务管理系统来管理他们的个人财务。在报告中，预计2020年Fintech市场规模可以达到58亿欧元，2025年将会增长到97亿欧元，到2035年，整体市场规模有望达到148亿欧元。
作者总结道，目前德国Fintech正处在高速发展阶段，显示出巨大的增长潜力，但在发展过程中也存在很多风险。而在全球范围内，德国Fintech发展也比较迅速。
2. 德国Fintech公司发展预测
Fintech 融资和资产管理领域的市场成交量预测 （欧元）
比较值：2015年德国Fintech 融资和资产管理领域的市场成交量：22 亿欧元
Source: http://www.bundesfinanzministerium.de/Content/DE/Standardartikel/Themen/Internationales_Finanzmarkt/-Gutachten-Langfassung.pdf
德国Fintech 捐赠和股权众筹领域的市场成交量预测：
比较值：2015年德国Fintech 融资和资产管理领域的市场成交量：3.6 亿欧元
Source:http://www.bundesfinanzministerium.de/Content/DE/Standardartikel/Themen/Internationales_Finanzmarkt/-Gutachten-Langfassung.pdf
德国Fintech在欧洲
法兰克福vs伦敦
德国Fintech市场在欧洲的排名仅次于英国，位居第二。毕马威在其2017年2月发布的欧洲Fintech报道（Pulse of Fintech）中指出，虽然面临短期挑战，欧洲对Fintech的兴趣仍然在持续增长。在2016年， 欧洲Fintech投资总量显著下降，从109亿美元降至22亿美元。但好在风投领域有小幅上涨，风险投资基金从12亿美元增长到同期的22亿美元。
我们再来比较一下德国和英国的Fintech投资。
Source: Pulse of Fintech Q4'16, Global Analysis ofInvestment in Fintech , KPMG International (data provided by itchBook)February 21, 2017.
Fintech在德国发展的
机遇和挑战
德国金融科技
稳定发展 vs 抢占先机、速度至上
德国作为欧盟经济领头羊，全球国民生产总值第四大国，其经济具备增长强韧、制造能力强大、虚拟经济发展适度、社保与财政保持平衡这四个方面的典型特征[9]。德国政府和金融界人士对金融科技发展都表示高度关注，Fintech投资规模也增长较快。这为Fintech在德国的发展壮大提供了一个稳定的经济基础和资金来源。
德国的金融体系相对保守谨慎，其金融监管也是以按部就班，严格有序著称。一方面，这些监管措施减少了许多市场投资的风险，也很大程度上保护了消费者利益; 但另一方面，过于严格的监管和法规也限制了Fintech发展空间。同时，作为欧盟成员国，欧盟的经济监管措施和法规对德国金融科技行业发展的影响也不容忽视。
撤销重做帮助吐槽投稿设置
生存是王道，合作是主流
在目前的大环境下，德国银行机构与Fintech公司之间是合作多于竞争。德国财政部的官方报告中总结道：被调查的银行中，有87%的银行正在与Fintech公司合作，双方正努力探索未来可以合作的方向。金融科技的发展在对银行传统服务模式造成冲击的同时，也极大地推动了银行创新战略的实施。传统银行机构和金融科技公司之间没有出现大量“相互取代”的争斗和竞争，很多传统银行机构已经在寻求与创新金融科技公司合作，引入新型信息技术，与时共进。[10]而很多初入市场的初创企业也积极发展与传统银行的合作来吸引客户，开拓市场。
Source:www.paymentandbanking.com
任性的客户
现金文化 vs 数码支付
作为一个高新技术产品出口大国，在信用卡、借记卡、移动支付日渐普及的今天，德国人民对现金的感情依旧深厚和任性。不少传统德国人更是把现金至上，我行我素的作风贯彻到生活的方方面面。
欧元已经流通15年了，在德国联邦银行，德国马克仍然可以以2001年的固定汇率（1 欧元 =1,95583 德国马克）免费兑换欧元[11]。据德国《焦点》(Fokus)杂志报道，德国联邦银行估计德国市场上还有20亿马克可用。有的商家（如C &A 服装公司）为了吸引顾客消费而开展德国马克购物周的活动就很受欢迎，大为成功[12]。在德国，现款交易占了日常交易的很大比例。根据德国联邦银行的在2014年的一项调查显示，德国人平均每人的钱包里有103欧元现金，是是澳洲、美国、法国及荷兰等国人民的兩倍。
Original pictures from www.pixabay.com
在这样的背景之下，不难预测数码支付在德国的推广和发展不会是一个水到渠成的过程。
举个例子，2012年，德国电信 (Deutsche Telekom) 在柏林高调推出在智能手机上的My-Wallet 应用程序，称之为“ 进入无现金时代的一大步”,期望能以此抢占德国移动支付先机，与Google、Apple、Paypal一争高低。但四年以后，由于用户对My-Wallet接受度远远低于预期，公司不得不宣布在2016年年底中止My-Wallet 应用程序的服务[13]。
和许多发展中国家的后发优势相比，德国群众和大小商家对数码支付的信任和接受有一个循序渐进、相对缓慢和曲折的过程，这一点笔者将会在以后的德国Fintech系列中专题讨论。
当然，德国用户对移动支付的接收程度也和他们的年龄和背景有一定关系。笔者认为，在德国经济稳定发展的大环境下，随着德国网络的大力普及、年轻的数码一代的崛起、Fintech投资的不断增长、各大城市的Fintech 新公司市场推广，Fintech在科技之国德国的发展会给我们带来很多思考和惊喜。
【编辑：胡剑雄】
【来源：来源：华尔街Fintech俱乐部WSFC】
中国人民大学金融科技与互联网安全研究中心是国内首家以金融科技命名的研究中心，设在国家首批十大智库之一的国家发展与战略研究院内依托人大法学院、信息学院、财政金融学院、商学院、高礼研究院、汉青经济与金融高级研究院等院系，汇聚了互联网金融、金融科技、大数据、区块链、信息、计算机等领域的青年学者。目前研究中心承接了众多国家级和重量级课题，与蚂蚁金服、京东金融、腾讯、奇虎360、乐视、中国联通等企业和机构保持深度合作关系，与高礼研究院共同成立了大数据金融实验室、区块链实验室等中国首批创新实验室。研究中心一直致力于打造支持行业发展的高层次、专业化的国家金融创新的智库，以及金融创新的“政产学研用”合作平台。本平台由中国人民大学法学院副院长、金融科技与互联网安全研究中心主任杨东教授及其团队运营，推送互联网金融、金融科技、法律+金融+技术、双创四众、大数据、区块链、众筹金融等最新研究成果，分享各类原创精品。
人民大学法学院副院长杨东教授及其学生文诚公共同创作的新著《互联网金融风险与安全治理》已出版，本书全面深入解读互联网金融最新监管办法与专项整治要求，阐释互联网金融风险与安全治理的法律逻辑和实现路径，剖析第三方支付、虚拟货币、互联网理财、P2P网络借贷、互联网消费金融、互联网供应链金融、小贷公司互联网金融业务、股权众筹、互联网保险等互联网金融各类典型模式如何合法合规创新发展。此外，本书还专题分析互联网金融广告的监管问题、互联网金融刑法问题以及如何将大数据、区块链等创新技术手段运用于互联网金融风险与安全治理。敬请持续关注众筹金融研究院推送的相关介绍！
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这也是我们建立金融科技加速器的原因。它是一个能够将具有前瞻性的企业和正在影响着金融产业的初创公司连接起来的创新平台。
我们一年两次向25-30家金融科技初创公司提供为期3个月的项目。我们的创业团队、风投合作机构和企业合作伙伴负责从来自全球的约1000份申请文件中选择有潜力的金融科技初创公司。
我们与世界一流的数据合作伙伴合作。
Wences Casares
Founder & CEO at Xapo
Constance Choi
Co-Founder at COALA & Blockchain Workshops
Maja Lapcevic
Senior Vice President, Citi Ventures
Jared Fliesler
General Partner at Matrix Partners
Victoria Cheng
VC at Citi Ventures, InSITE Board Member,
Adam Boutin
Principal - Capital One Ventures at Capital One
Matthew Roszak
Bitcoin - VC, Entrepreneur, Philanthropist - Founding Partner, Tally Capital
Jim Griffin
Currency Risk Management and Cross Border Payments Pro
Richard Webster
Richard Webster is an entrepreneur and advisor to the financial services and FinTech communities.
Richard co-founded Monterey Labs, a company that designs, builds, and delivers innovative software products for financial institutions and micro-finance organizations in emerging markets. He also provides consulting services to firms in the financial services and FinTech markets.
Prior to founding Monterey Labs, Richard led Cisco’s global banking and payments solutions development practice. Previously, he directed Hewlett-Packard’s worldwide marketing and solution development efforts for the financial services industry.
Richard was Corporate Vice President - Marketing for Fiserv, Inc., a worldwide provider of information technology services to financial institutions. He has held management and marketing positions with NCR and The Federal Home Loan Bank of San Francisco. Richard also served as CFO for a California financial institution.
Richard has an MBA, with emphasis in corporate finance, and a Bachelor’s degree in marketing and management. He has studied and traveled throughout the Middle East.
David Chen
Principal Partner at Lightspeed Venture Partners
Alexander Marquez
Executive Vice President
Matthew Murphy
Investor, Entrepreneur and Marketer
Hugh Molotsi
Innovation Leader at Intuit @hughmolotsi
Alyse Killeen
Venture Capital Investor
Arti Kuthiala
Innovation Network, Citi Ventures at Citi
P. Bart Stephens&
Co-Founder and Managing Partner at Blockchain Capital LLC
Anish Srivastava
Entrepreneurial Executive
David Carrico
CEO and Co-Founder at PrimeMind
John Donovan
Financial Technology Entrepreneur
Robert Claassen
Emerging Growth Advisor and Investor
Chris Sweis
Investor & Business Architect With A Passion For All Things Digital.
Santi Subotovsky
Maxim Nazarov
Analyst at FinSight Ventures
Lee Jacobs
Venture Investor, advisor @AngelList and @500startups
Mircea Mihaescu
Dr. Mircea Mihaescu, P.Eng. General Partner at SBT Venture Capital
Jon Cholak
FinTech Investor, Mentor and Advisor
Venture Capitalist, Educator & Athlete
Edward Yip
Consumer Internet Investments @ Norwest Venture Partners
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Head of Capital One Ventures
Partner at New Enterprise Associateshttps://www.linkedin.com/in/rickcyang
Avish Bhama
CEO of Mirror
Roger Meike
Technical Executive with a passion for creating new technologies and products
Dana Stalder
Early stage venture capital @ Matrix Partners
Jeff Garzik
Founder of Dunvegan Space Systems
William Koenig
EVP Group Head Corporate Banking & Capital Markets at Western Alliance Bank (NYSE: WAL)
Jonah Lupton
Lupton Media, Serenity, Nutraspire, InterCapital Group, ProDessert, Parabolic Ventures, bStrong, DealBurglar.
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Founding Partner at KPCB Edge
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Investor at Citi Ventures
Founder & General Partner at Commerce Ventures
Chris Haroun
Partner at Artis Ventures│Software, Cloud and Infrastructure
Alexey Garyunov
Co Founder - FinSight Ventures
Domus Tower Inc.
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Sedicii’s patented zero knowledge proof authentication service to solve some real world security challenges such as authenticating people to websites, call centres (inbound and outbound calling, social media monitoring) and authorising secure card payments.
Empowering Financial Institutions and their Customers with a Private Blockchain Platform
Alpaca is a VC-backed SV-based company that helps individual financial traders build automated trading systems using deep learning, to expand platform to be an algo-trading marketplace eventually. The first public mobile app will be launching at Feb-end 2016, which is under heavy development by 10+ year veterans from AI, database and financial industries.
Socure is the leader in digital identity verification. Its technology applies machine-learning techniques with biometrics and trusted online/offline data intelligence from email, phone, IP, social media and the broader Internet to power next-generation multi-factor authentication in real-time. Socure bolsters CIP/KYC programs and AML/OFAC compliance for enterprises in the US, and powers financial inclusion verifying identities in over 180 countries, helping them to combat identity fraud, prevent account takeover, reduce manual reviews and increase consumer acceptance.
Use the blockchain as a global platform to verify any data, file, or business process. Developer tools & API to anchor data in the blockchain.
Millions of employed people living paycheck to paycheck (over 80 million in the U.S. alone) pay predatory lending fees for routine expenses like bill pay, money transfer, prepaid mobile phone top up, and for critical household expenses like groceries, rent, and utility bills. The irony is that they have already earned the money but don’t have access to their own funds.
Cipher Tooth
CipherTooth is a superior system for delivering secure content over the Internet. This is a bold statement but we can back it up. Our education page has links to articles and speeches given by security experts detailing the vulnerabilities of the current HTTPS certificate-based system.
Businesses and governments can use Factom to simplify records management, record business processes, and address security and compliance issues.
BlockNotary
BlockNotary Video Interview is a blockchain-based KYC solution designed to help businesses reduce costs and risks by providing trustful and pleasant customer experience. We combine omnipresence of mobile devices, richness of video format and immutability of the blockchain to remotely verify customer identity, accelerate customer service and reduce the possibility of fraud.
Token is developing the architecture, protocols, paradigms, and secure identity system for next generation payments. Token allows application developers to use a single, secure, simple, standard open API to move money and allows banks to issue digital currency. Unlike Ripple and Bitcoin, Token was designed by a team of bankers and tech experts for compliance and compatibility.
Neurensic enables a new global standard for understanding regulatory compliance risk, providing insights impossible for humans to find alone.
Revolution Credit
Spend a few moments of your time increasing your Financial IQ and earn great rewards. There are no credit cards required and you can stop at any time.
Automated payment release on open account terms, simplifying the last mile of supply chain finance.
Smart Blockchain. It's awesome! Buy Icecream for Colored Coins. LHV Bank Partners With ChromaWay to Build Cuber.
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Risys: Use Machine Learning and Big Data to cut KYC and AML Analyst Time in Half!
Quiet Signal
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Sparkling Logic
Sparkling Logic is the leading prescriptive analytics and decision management provider. They help companies catch fast-changing fraud and personalize their offerings down to an individual customer. Our analytics platfom allows companies to extract decisions from their data and their expertise, and based on their business objectives, to optimize analytics models, business rules and decisions. Most importantly, companies can then immediately deploy this logic on the industry’s most scalable platform.
See your customized finance plan, explore your loan options, and leverage the value of your social capital.
Smart Blockchain. It's awesome! Buy Icecream for Colored Coins. LHV Bank Partners With ChromaWay to Build Cuber.
Amber is a highly secure, patent-protected payment platform that consolidates all your plastic cards. Because its core technology is EMV consolidation, Amber can take a variety of forms—from plastic cards to wearable devices—allowing maximum consumer adoption and 100% merchant acceptance. Capitalizing on consumers’ purchasing and card information, Amber provides unique, data-driven services to both consumers and business partners.
Founded in 2015 in San Jose, California, Places offers a streamlined community-driven marketplace for people to list, explore, and buy homes online. As real estate professionals and tech geeks who've been on both sides of the traditional home-buying process, we're excited about turning something that's often time-consuming and complicated into an experience that's simple and fun.
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Lending Club
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Lending Club operates an online lending platform that enables borrowers to obtain a loan, and investors to purchase notes backed by payments made on loans. Lending Club is the world's largest peer-to-peer lending platform. The company claims that $15.98 billion in loans had been originated through its platform up to 31 December 2015.
Acquisitions: 1
IPO / Stock: Went Public on Dec 11, 2014 / LC
Money Stream
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CriskCo is a credit risk analysis and management software start-up operated out of San Francisco and Tel Aviv, Israel. We enable credit providers to evaluate the risk of their credit applicants by managing accounts receivables data with a proprietary algorithm, and reduce credit risk by predicting a customer’s potential credit risk while preventing collection loss. CriskCo offers the traditional financial institutes with fintech advantages and capabilities.
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Acquired by Airbnb ChangeTip is the fastest and easiest payment solution that connects you to anyone in the world through digital currency.
WIACTS introduced a multifunctional wireless wearable device, called SENSE. SENSE is primarily a human-computer Interaction (HCI) wearable technology worn on the user’s index finger. It enables the user to wirelessly control and interact with computers and other smart devices. SENSE also authenticates the user to securely log in and make transactions. In addition, it tracks users' hand motions to improve athletes, artists, and musicians with their skills. SENSE revolutionizes the way we interact with our digital world.
Build flexible payment features and ACH processing services into your business's or financial institution's operations and applications.
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Instrument Capital
White-label personalized risk assessment algorithms. Customized asset allocation for each private wealth client.
Enterprise software solutions for financial service providers to securely integrate with cryptofinancial networks
The BitcoinWallet for the Masses. The AirbitzWallet presents a familiar experience, from creating an account, to sending & requesting funds. Only a username, password, & 4-digit PIN are required to create & access a fully encrypted and backed up wallet on any iOS or Android device. Users can avoid using cryptic QR codes by utilizing Bluetooth (BLE), NFC, email, or SMS, a process familiar to users of apps like Paypal, & Apple Pay. Airbitz even enables active users to manage and export their transaction details such as payee, category, and notes. Airbitz is also the only encrypted bitcoin wallet that allows users to recover forgotten passwords through recovery questions & answers. Airbitz has also implemented the world’s first “One-Touch 2 Factor Authentication”, enabling a critical security feature that has been underutilized due it’s incredibly tedious and complex user experience. All this functionality is provided by Airbitz while still allowing users to have full control of their data & funds with no 3rd party access.
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Context360
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DoubleNet Pay
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A decentralized, open-source Android app that bridges between SMS and Bitcoin. Designed for low-end Android phones. In other words, you can connect your country to the global economy via Bitcoin (and earn a little for your time and effort, too.
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Credit Sesame
Get your free credit score each month and monitor your credit report at no cost. We’ll also send you daily monitoring alerts about changes to your credit report.
We're building the kind of mortgage experience we want for ourselves.
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Using the best tools, available or in development, along with proprietary intellectual property, nuco is creating the framework for blockchain-enabled enterprise infrastructures.
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We work with our global partners, banks, mobile operators, financial institutions, payment providers and remittance companies to socialize their payment services. By integrating into our open API, companies can leverage our technology to offer their users a richer, social payments experience.
A membership with Stratos Card offers a single place for all your cards, while creating a simpler, smarter and more secure world for you. Simplify your wallet.
Simple Disability
Uses technology and bigdata to disrupt the disability insurance market and reduces the friction in the buying & selling process for brokers & banks
Skymind is the commercial support arm of Deeplearning4j, the most widely used deep-learning framework for Java. Skymind is the Cloudera of deep learning. Our flagship use cases are fraud detection for finance, recommender systems for e-commerce, and image detection for hardware makers.
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TrueAccord
TrueAccord is a seamless, automated platform through which businesses can boost recovery rates and preserve client relationships by empowering those in debt to easily and responsibly address their obligations.
Prevedére has developed best in class Economic Intelligence(TM) software that our clients use to identify, report and forecast their company’s sales and financial results based on external leading indicators. Simply put, we provide Predictive Analytics on the most important drivers of business results to increase shareholder value.
Float is a mobile-first financial service provider looking to revolutionize the way consumers interact with their finances.
We have created the world's fastest and most accessible financing experience for young, early credit consumers. It's a credit card in your hand within 180 seconds. We issue each user a digital VISA card that works with any NFC enabled device, can be used online, or instantly transferred to any VISA debit card.
Trust Atom
Privacy-respecting identity & smart contract solutions for enabling credibility, trust and safety
Incredibly, paper checks still account for 70% of B2B payments, costing businesses $74 Billion in direct costs and fraud losses annually.
SnapCheck’s digital check platform combines the benefits of electronic payments with the universal acceptance of checks to substantially reduce costs, virtually eliminate check fraud, and solve the chicken-and-egg problem that is hindering the migration to electronic payments between businesses.
Starting with KYC on blockchain, Tradle is building a global trust provisioning network using distributed ledger technology.
BehavioSec
At BehavioSec we believe that great security can be achieved without sacrificing the user experience. The security is in the unique way that the user enters information, similar to a digital fingerprint. The unique identifier is your behavior.
Trusting Social
Marketplace lending is disrupting retail banking by leveraging propriety Big Data credit scoring technologies. Our mission is to make the technologies available to as many businesses as possible.
Auraya Systems is the developer of ArmorVox(TM)2015, the world's only Universal Core Voice Biometric Engine.
Omniscience
Omniscience provides deep, actionable, prioritized intelligence on high- value targets (people, brands, topics) for sales, brand perception, risk management, innovation strategy, and regulatory affairs, delivered via email, API, and portal. Annual SaaS-based and spot pricing are available. Omniscience commercializes distributed data-mining systems from U.S. intelligence and military research projects.
SmartFi is the first robo-advisor for savings that grows your money by automatically finding and allocating your savings to the best financial product for your saving goals.
CapLinked is better, safer, and faster than other secure workflow products.
iQuantifi determines the action steps necessary to achieve ALL of your goals and will recommend goals you should have based on your current situation.Get continuous advice. Even when life changes. We’re a virtual financial advisor for your back pocket. Start building your personalized timeline today!
The SNAPCARD Wallet is the easiest way to use digital currencies.
Access is a mobile aggregator of equity & debt crowdfunding deals, simplifying investors' search for the right deals. Think of Access as Kayak.com for private dealflow. With Access, investors can curate deals from many asset classes including: startups, real estate and alternative assets. Deal sources benefit by receiving targeted investor leads and analytics on investor preferences.
TitanFile is the easiest to use and most comprehensive secure correspondence and file sharing solution for administrators and professionals in financial institutions and their clients. TitanFile is the only correspondence solution that provides client-side encryption with zero knowledge and integrates with enterprise systems such as Outlook and document management systems to support diverse workflows and security requirements
ShoCard is a digital identity card platform built on mobile devices and the public blockchain data layer, using public/private key encryption and data hashing to safely store and exchange identity data.
The Sun Exchange
The Sun Exchange (SUNEX) applies leading edge financial and solar energy technologies and new world collaborative economics to enable individuals and businesses to harvest sunlight for profit.
Redrock Biometrics
Redrock Biometrics develops PalmID--the first touchless palm print authentication solution.
CEO of Lending Club, Renaud Laplanche, Keynotes at our EXPO
Lending Club NYSE Bell Ringing
Welcome to Plug and Play FinTech
How an Accelerator Can Help Your B2B Startup Thrive
Fintech Batch 4 Selection Day
How We Work With Fintech Startups
FinTech Batch 1 Graduate!
How Our Partnership With Banco Original Worked
Andreas Antonopoulos' Speech at our Bitcoin Meetup
FinTech Selection Day 2015
我们与业界领先的合作伙伴工作
American diversified financial services holding company headquartered in Minneapolis, Minnesota. It is the parent company of U.S. Bank National Association, the fifth largest bank in the United States.
WEX is a rapidly expanding company with a global presence, and a future of extraordinary opportunity and possibility.
Through the efforts of 2,000 associates around the world, we provide our clients and partners with unparalleled services and precise solutions to help them pursue ambitious goals and improve business efficiency.
The Principal Financial Group is a global financial investment management leader headquartered in Des Moines, Iowa.
The Principal Financial Group (Principal) offers businesses individuals and institutional clients a wide range of financial products and services including retirement, asset management and insurance, through its diverse family of financial services companies.
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. Prior to its 2014 initial public offering, Synchrony operated as GE Capital Retail Finance Corporation and was a division of General Electric.
The company offers consumer financing products, including credit, promotional financing and loyalty programs, and installment lending, and FDIC insured savings products through Synchrony Bank, its wholly owned subsidiary.
Synchrony raised $2.88 billion in its initial public offering, making it the third largest IPO of 2014. It is publicly traded on the New York Stock Exchange.
Credit Suisse
Nedbank is one of the largest banks in South A however, it is one of the newest banks to be incorporated. It is headquartered in Johannesburg. Market capitalization was ZAR:120 billion (approximately US$9.85 billion), as of 30 June 2015.
Cathay Financial
BNP Paribas
Norinchukin Bank
Bank of the West
Deloitte Touche Tohmatsu Limited, commonly referred to as Deloitte, is a multinational professional services firm headquartered in New York City in the United States.
Capital One
Capital One Financial Corporation is an American bank holding company specializing in credit cards, home loans, auto loans, banking and savings products. When measured in terms of total assets and deposits, Capital One is the eighth largest bank holding company in the United States. As of 2012, The bank has 963 Capital One Bank Branches including 10 café style locations for their Capital One 360 brand and 2,000 ATMs. Capital One Financial is a member of the Fortune 500, and also conducts business in Canada and the United Kingdom. The company helped pioneer the mass marketing of credit cards in the 1990s, and it is now the fourth-largest customer of the United States Postal Service. Its corporate offices are located in Tysons Corner, Virginia.
The United Services Automobile Association (USAA) is a Texas-based Fortune 500 diversified financial services group of companies including a Texas Department of Insurance regulated reciprocal inter-insurance exchange and subsidiaries offering banking, investing, and insurance to people and families that serve, or served, in the United States military. At the end of 2014, there were 10.7 million members. USAA was founded in 1922 by a group of U.S. Army officers to self-insure one another when they were unable to secure auto insurance because of the perception that they, as military officers, were a high-risk group. USAA has since expanded to offer banking and insurance services to past and present members of the Armed Forces, officers and enlisted, and their immediate families. The company was one of the pioneers of direct marketing and most of its business is conducted over the Internet or telephone using employees instead of agents.
Banco do Brasil
Deutsche Bank
Deutsche Bank AG (literally "German Bank"; pronounced ['d???t??? 'ba?k ?a:'ge:]) is a German global banking and financial services company with its headquarters in the Deutsche Bank Twin Towers in Frankfurt. It has more than 100,000 employees in over 70 countries, and has a large presence in Europe, the Americas, Asia-Pacific and the emerging markets. In 2009, Deutsche Bank was the largest foreign exchange dealer in the world with a market share of 21 percent. It is considered to be one of the most prestigious and most influential banks in the world.[5][6] Deutsche Bank has offices in major financial centres including London, New York City, Chicago, Zurich, Singapore, Hong Kong, Milan, Tokyo, Paris, Moscow, Sydney, Toronto, Jakarta, Istanbul, Madrid, Dublin, Amsterdam, Warsaw, Mumbai, Pune, Kuala Lumpur, S?o Paulo, Dubai, Riyadh, Bangkok, Karachi, Belgrade, Manila and George Town (Cayman Islands). The bank offers financial products and services for corporate and institutional clients along with private and business clients. Services include sales, trading, research and originatio mergers and acquisitions (M&A); risk management products, such as derivatives, corporate finance, wealth management, retail banking, fund management, and transaction banking.[7]
OP Financial
In every corner of the world you'll find a JCB machine. JCB is one of the world's top three manufacturers of construction equipment. We employ around 11,000 people on four continents and sell our products in 150 countries through 2,000 dealer depot locations. Throughout our 68 year history, we have always invested heavily in research and development, keeping JCB at the cutting edge of innovation. Today, JCB has some of the finest engineering facilities across the globe, produces a range of over 300 machines and maintains a reputation for unrivalled customer service. JCB, a truly world-class and still family owned company.
Banco Original
Banco Original is a Brazilian financial institution that supports the agribusiness sector through loans, working capital, and financial and strategic consultancy. Its services include retail banking, corporate lending, structured finance, investment banking platforms and project financing. The bank is part of J&F group, one of Brazil's major economic conglomerates. Banco Original is the result of the merger of Banco JBS, the group's credit operation founded in 2008 and focused on the agribusiness industry, and Banco Matone, specializing in retail loans. It started operations in 2011.
Intuit Inc. is an American software company that develops financial and tax preparation software and related services for small businesses, accountants and individuals. It is incorporated in Delaware and headquartered in Mountain View, California. Intuit makes the personal finance programs Quicken and TurboTax, as well as the small business accounting program QuickBooks. In addition, they produce QuickBooks Point of Sale solution for small retailers, professional tax solutions ProSeries and Lacerte, and the Web-based corporate workgroup productivity solution QuickBase. The company also provides web based SAAS versions of quickbooks and multiple payroll products.
Orient Corporation is one of the largest consumer credit companies in Japan and offers an array of financial products including credit cards, direct cash loans, installment credit services and bank loan guarantee services. Orient Corporation operates a network of 112 domestic branches and their services are also available at more than 780,000 member merchants. Orient Corporation has over $1.3 billion in capital and more than 3,700 employees. Visit www.orico.co.jp for more information.
我们与世界一流的数据合作伙伴合作
MEDICI is a FinTech startup discovery and engagement platform that provides research on FinTech startups and trends along with contextual engagement. It is a powerful tool to accelerate your growth strategy through quick identification of target companies for partnership, investment or acquisition.
LTP’s strong domain knowledge flows into the MEDICI platform, which in conjunction with curated expert analysis and an intelligent search algorithm, will become your eagle eye in this fast changing sector: explore the landscape and find your targets at the same time.
Morningstar
Financial platforms come to Morningstar for access to one of the largest and highest-quality global investment databases in the industry. Morningstar, Inc. is a leading provider of independent investment research in North America, Europe, Australia, and Asia. We offer an extensive line of products and services for individual investors, financial advisors, asset managers, and retirement-plan providers and sponsors to help them make better investment decisions.
Morningstar provides data on more than 500,000 investment offerings, including stocks, mutual funds, and similar vehicles, along with real-time global market data on more than 16 million equities, indexes, futures, options, commodities, and precious metals, in addition to foreign exchange and Treasury markets. We set the industry standard with comprehensive global coverage of every major investment universe, delivered the way our clients need it and in formats that investors can quickly understand.
Our alliance clients use Morningstar’s trusted brand and global investment data to enhance their software applications, digital sites, retirement planning tools, trading solutions, and more. They also license our award-winning investment research and editorial content--articles and videos generated by our hundreds of equity and fund analysts. This combination of quality data and independent analysis can set products apart from the crowd and drive business growth.
AWS Activate
You will be eligible for:
– $10,000 in AWS Promotional Credit valid for 2 years
– 2 year of AWS Business Support (up to $5,000). Login and enroll here.
– Access to the AWS Technical and Business Essentials web-based (or instructor-led) training ($600 value per course)
– 80 credits for Self-Paced Labs ($80 value)
– Access to 1:1 Virtual Office Hours with AWS Solutions Architects
– Special offers from other companies that help startups, including Chef, Bitnami, SOASTA, Podio by Citrix, CopperEgg, and more
– AWS Activate Toolbox with offers for Amazon Payments and Amazon Marketplace
Google Cloud
Cloud credits, access to architecture reviews and technical mentors, 24/7 support, and more. Our program is designed to help startups build and scale on Google Cloud Platform.
Plaid is a technology platform that enables applications to connect with users’ bank accounts.
Our suite of APIs provides high-quality transaction data, makes it easier to authenticate accounts, and delivers comprehensive analytics.
Our focus is on lowering the barriers to entry in financial services by making it easier and safer to use financial data. We build beautiful consumer experiences, user-friendly infrastructure, and intelligence tools that give everyone the ability to develop the future of financial services.
Plaid is headquartered in San Francisco, Calif., and backed by NEA, Spark Capital, and Google Ventures.}