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在过去的几年里,技术进步很快,新出现、创新的想法已经发展起来帮助我们处理生活中的很多复杂事情。对很多人而言,金融是个棘手的问题。这就是像银行这样的金融机构可以获得巨大利益和交易额的原因。目前的现实是世界总是需要钱; 然而更为智能、快捷的创新将把金融业推进到一个充满技术和透明开放的崭新时代。简言之,“Fin Tech” 代表金融科技(financial technologies)。 它们是为了安全有效地将金融服务传递到客户手中,而创造出来的数字软件和平台。它们是设计出来的创意创新工具,可以使不论是终端客户,还是可以从中获利的企业和行业的生活都更加美好。过去的五年里,Fin Tech行业爆发式的增长达到了 拥有45%的年增长率的水平。根据风险投资数据公司 CB Insights 的统计, 仅去年一年,该行业就获得了高达137亿美元的资金。

第 1 段(可获 2.24 积分)

近年来,银行和所有的金融机构一直利用一种不仅仅是为他们量身定做并且使他们能够获得极高的利润的商业模式,金融科技,另一方面,致力于打破现有的商业格局,尽可能的引入更多的普惠金融。在此领域的创新者坚持不懈的努力下,实现了一个能为金融服务提供更加高效、可靠以及快速的新的商业模式。金融科技的创新者使得金融产品和服务的获取变得前所未有的简单,尤其是在尚未开发的市场:缺乏现代经济基础设施的农村地区。随着金融科技背后科技的持续进步和改良,全球金融会因此而改变。这些也正是金融科技改变全球金融市场的方式。

第 2 段(可获 1.85 积分)

1.借贷

金融业最大并且利润最高的组成部分之一是借贷部分。很多金融机构在原有的模式上创造新的更适合他们交易的模式,以此达到他们盈利的目的。在持有额外储蓄的客户和需要贷款来解决手头的交易和危机的客户之间,银行总是在扮演着一个中间人的角色。随着P2P的出现,金融科技正在改变原有的商业模式,简言之就是,试图完全去除中间人的角色,让两边的的交易双方直接建立联系,从而达到降低借贷成本的目的。在过去的几年里,这种借贷模式已经变得非常流行,以至于一些机构基金也开始参与其中。

第 3 段(可获 1.73 积分)

2.Payments

Another major role played by banks is to facilitate the transfer of funds between parties. Banks have been rumored to make at least USD 4B annually just from fees obtained during funds transfers. Fin Techs are working towards filling this space and providing better terms when it comes to transferring funds between users. Most notable developments are in the areas of local and international payments. Several companies such as  Paypal , TransferWise,  and Stripe are working every day to make transfers and paying merchants much easier. The innovation of services such as M-Pesa the most popular mobile banking solution to making domestic payments has changed how people save and how people make payments. As a customer you can also determine which service will be best for you by using services like WireCompare.

第 4 段(可获 1.66 积分)

3.Improving the online shopping experience

As the retail business continues to suffer and shrink by the day, online stores are expanding and getting new clients by the day. As such, customers want to feel safe while buying goods online. This is exactly why customers are seeking shopping experiences that are not only quick but are also safe. As people are more educated and informed when it comes to online fraud, people are looking for ways where they can buy and sell their goods without the possibility of being scammed or losing money. Since the online marketplace is only growing as more people get online, companies such as Stripe and PayPal are making it easier for people to make purchases without fear. Services such as Flint and WePay accommodate payments from the retail sector.

第 5 段(可获 1.68 积分)

4.Facilitating speedy payments

For a business to thrive, its invoices should be paid on time and in a prescribed way. One of the things that make businesses go under is the accumulation of bad debt. When invoices are not paid on time, the business suffers because the business owner must find other means of paying his creditors. What this translates to is a business that isn’t profitable and one that might go under at any time. With the aim of reducing such incidences, companies such as Invoice Ninja have stepped into the gap in an effort to aid small businesses collect payments so that their monthly revenues can go up. By being able to invoice your creditors and having them pay on time, you not only increase your business operations efficiency, but also become more profitable.

第 6 段(可获 1.73 积分)

They say necessity is the mother of innovation. With the many gaps that are existing in our current financial policies and institutions, many Fin Tech companies are continuing to do great things in their space. It is important for companies and individuals to embrace these technologies as they are the future .

This post is part of our contributor series. The views expressed are the author's own and not necessarily shared by TNW.

第 7 段(可获 0.91 积分)

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