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越南五大顶级融科技公司 | 互金出海越南岛群第135期

2019-07-30 22:24:17

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金融科技在越南的发展正在加速,该行业的公司去年吸引了1.17亿美元,这是2018年越南创业公司的最大资金。根据当地加速器Topica创始人研究所的资助数据,金融科技超过电子商务1.04亿美元和其他行业,展示了投资者热衷于参与越南金融科技的机会。

越南快速发展的金融科技行业在很大程度上推动了该国年轻,数字化的人口,高移动电话和互联网普及率以及政府推动抑制现金使用和促进数字支付的努力。

越南在2020年宣布无现金的决定于2017年宣布,并且已经在这方面取得了进展。在过去五年中,通过移动银行服务支付的费用每年激增144%,而无现金支付的价值在2018年前三个季度翻了一倍多。

根据披露的资金情况,以下五家创业公司是越南资金最充足的金融科技公司之一。

我们还从列表中排除了像Sendo这样的公司,因为他们不是纯粹的金融科技游戏,很难确定有多少资金用于其金融科技部门。

 

M_Service  -  1.338亿美元

             

M_Service通过MoMo品牌的移动电话技术为越南的低收入人群提供金融服务。 MoMo开始提供电子钱包和移动支付应用程序,使用户能够在线支付并进行点对点(P2P)传输。 它已经扩展到公用事业账单支付,游戏信贷,移动充值,以及电影票,航空公司航班以及全国100,000个支付点(包括流行连锁店)的商品和服务支付等领域。 该服务最近开始提供贷款账单支付。

 

截至2018年10月,MoMo在iOS和Android上拥有近1000万用户,去年被H2 Ventures和KPMG评为2018年Fintech 100全球领先的Fintech创新者之一。 据Crunchbase称,该创业公司目前已筹集了1.338亿美元的资金。

 

TomoChain  -  850万美元

             

TomoChain是一个公共区块链,承诺更快,更便宜的交易,旨在支持分散的应用程序。 TomoChain依赖于150个Masternode系统,其中有投票权证明(POSV)共识,可以支持接近零的费用和两秒的交易确认时间。 TomoChain网络旨在成为一个公共的以太坊虚拟机(EVM)兼容区块链,具有更快,更便宜的交易费用,以及其他功能和承诺。

 

经过两年的研究和开发,TomoChain于2018年12月推出了主网络。该创业公司去年筹集了850万美元的初始硬币(ICO),并得到Signum Capital,Connect Capital和1kx等几家知名投资公司的支持。

 

Tima – 300万美元

             

Tima成立于2015年,是一个消费金融市场和点对点(P2P)借贷平台。 该公司已与包括VietinBank和Nam A Bank在内的金融机构签署了合作伙伴关系,并声称已在其平台上向280万借款人和30,000多家贷款人支付了约17亿美元的贷款。

 

Tima声称已经在10月以近2,000万美元的估值筹集了300万美元的B轮融资,并且最近在聘请前LendingClub首席运营官John Donovan到其董事会之后开始筹集C轮投资。

 

Finhay  -  110万美元

             

Finhay于2017年推出,是一个财富管理平台,使千禧一代能够在越南投资共同基金,最低只需5万越南盾,约合2美元。 该平台拥有超过13,000名用户,总投资超过70亿越南盾(299,145美元)。 该公司还与18家共同基金公司和银行合作,以促进交易。

 

Finhay得到了澳大利亚H2 Ventures,VNDirect证券股份公司等的支持。 今年早些时候,它从新加坡的Insigna Venture Partners和其他投资者筹集了近100万美元的资金,使迄今筹集的资金总额达到约110万美元。

 

OnOnPay  -  80万美元

             

OnOnPay成立于2015年,提供网络平台和移动应用程序,允许用户充值他们的预付费电话,赢得奖励,如额外的信贷和优惠券,以及申请贷款。 该解决方案针对的是越南没有银行账户的人口。

 

OnOnPay依赖于合作实体企业的网络,这些企业充当“分支机构”。当消费者需要充值他们的移动支付账户时,他们会给予商店所有者相同的现金金额。 OnOnpay有大约3,000个这样的交易点。

 

该公司于2016年11月从马来西亚政府的Gobi伙伴基金筹集了80万美元。

 

 

原文:5 of Vietnam’s Top Funded Fintechs

 

Fintech development is accelerating in Vietnam with companies in the sector attracting US$117 million last year, the maximum funding in Vietnamese startups in 2018. Fintech surpassed e-commerce at US$104 million and other sectors, according to funding data by local accelerator Topica Founder Institute, showcasing the eagerness of investors to take part in Vietnam’s fintech opportunity.

Vietnam’s rapidly evolving fintech sector has been largely driven the country’s young, digitally-savvy population, the high mobile phone and Internet penetration rate and the government’s push to curb cash usage and promote digital payments.

Vietnam’s decision to become cashless by 2020 was announced in 2017 and already progress in this regard can be seen. Payments through mobile banking services have surged by a whopping 144% per year over the past five years, and cashless payments more than doubled in value over the first three quarters of 2018.

The following five startups are among the most well-funded fintech companies in Vietnam based on disclosed funding.

Weve also excluded players like Sendo from the list as they are not a pure fintech play it’s difficult to ascertain how much of the funding is intended for its fintech arm.

 

 

M_Service – US$133.8M

             

M_Service provides financial service to the low income population in Vietnam through mobile phone technology under the brand name of MoMo. MoMo started out offering an e-wallet and mobile payment app, enabling users to pay online and make peer-to-peer (P2P) transfers. It has since expanded into utility bills payments, games credit, mobile top ups, as well as areas like movie tickets, airline flights and payment for goods and services at 100,000 payment points nationwide, including popular chains. The service recently began offering bill payment for loans.

As of October 2018, MoMo had nearly 10 million users on both iOS and Android and was named one of the 2018 Fintech 100 Leading Global Fintech Innovators by H2 Ventures and KPMG last year. The startup has raised US$133.8 million in funding so far, according to Crunchbase.

 

TomoChain – US$8.5M

             

TomoChain is a public blockchain promising faster and cheaper transactions designed to support decentralized applications. TomoChain relies on a system of 150 Masternodes with Proof of Stake Voting (POSV) consensus that can support near-zero fees and two second transaction confirmation time. The TomoChain network aims at being a public Ethereum virtual machine (EVM) compatible blockchain with faster and cheaper transaction fees, among other features and promises.

After two years of research and development, TomoChain launched its mainnet in December, 2018. The startup raised US$8.5 million in its initial coin offering (ICO) last year and is backed by several well-known investment firms like Signum Capital, Connect Capital and 1KX.

 

Tima – US$3M

 

             

Founded in 2015, Tima is a consumer financial marketplace and peer-to-peer (P2P) lending platform. The company has signed partnerships with financial institutions, including VietinBank and Nam A Bank, and claims to have disbursed about US$1.7 billion in loans to 2.8 million borrowers and over 30,000 lenders on its platform.

Tima claims to have raised a US$3 million Series B funding round in October at a near US$20 million valuation and recently began the process of raising a Series C investment round after hiring former LendingClub COO John Donovan to its board of directors.

 

Finhay – US$1.1M

             

Launched in 2017, Finhay is a wealth management platform enabling millennials to micro-invest in mutual funds in Vietnam starting with as little as VND 50,000, or about US$2. The platform has more than 13,000 users with total investment of over VND 7 billion (US$299,145). The company has also partnered with 18 mutual fund companies and banks to facilitate transactions.

Finhay is backed by Australia-based H2 Ventures, VNDirect Securities Joint Stock Company, and others. It raised nearly US$1 million in funding from Singapore-based Insigna Venture Partners and other investors earlier this year, bringing the total funding raised so far to about US$1.1 million.

 

OnOnPay – US$800K

             

Established in 2015, OnOnPay offers both a web platform and a mobile app that allow users to top up their prepaid phones and win rewards like extra credit and coupons, as well as apply for loans. The solution is targeted at Vietnam’s unbanked population.

OnOnPay relies on a network of partnered brick-and-mortar businesses which act as “branches.” When consumers need to top up their mobile payment accounts, they give the store owner the same amount in cash. OnOnpay has around 3,000 such transaction points.

The company raised US$800K in November 2016 from the Malaysian Government’s Gobi Partners Fund.


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