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关于葡萄牙Fintech生态系统你不知道的那些事!|出海葡萄牙金融岛群第41期

2019-09-01 10:43:29

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由于葡萄牙在商业机会方面不具备巨大的市场潜力,一些葡萄牙金融科技公司直接与美国建立了桥梁,以更大规模地推广其创新。 例如,当地的市场负责人Feedzai在很早的阶段就在硅谷开设办事处。  Nuno Sebastiao说“我们很早就决定出国”。 他补充说,这可能与葡萄牙是一个“小型国家”这一事实有关。  James.Finance也在很早的时候在美国(纽约州)开设了办事处。

 

就感兴趣的主题而言,生态系统具有与法国或西班牙完全相同的均衡,除了Crypto / Blockchain工具越来越多。 在Fintech Pitching竞赛中,有1/3的竞争对手的金融科技创业公司与加密和区块链技术有关。 在25个葡萄牙金融科技中,有许多与此主题相关的解决方案,如HOLD,提供替代解决方案来销售加密货币,Coinvision,提供分析以更好地评估加密风险和机会,或UTRUST,一个加密货币支付提供商,为消费者提供支持 商人的保护和即时结算。

 

Regtech似乎也是葡萄牙的一个热门话题。 那里出现了大量的“身份管理”工具。 公平地说,即使我们喜欢这个投资空间,也不容易看到明确的入口障碍和差异化。 除了身份管理初创公司之外,各种葡萄牙regtech还在Web Summit上展示他们的解决方案,更好地处理风险,打击欺诈,推出RGPD战略等等。

 

与其主要挑战相关的是,葡萄牙的金融科技创业公司似乎非常清楚监管是一个痛苦的过程:26%的金融科技创业公司认为这是他们的主要股权,即葡萄牙金融科技报告2018年。 然后,进入市场(22%),获得营销心态(17%),破解销售周期(17%)和寻找人才(13%)。 我猜其他欧洲国家的金融科技可能已经宣布人力资源股权是他们面临的最重要的挑战之一。 似乎葡萄牙对人才非常有吸引力;)这引领我们走向第五个趋势:葡萄牙的技术人才比比皆是!  Wilbury Stratton的研究主管马特皮特说,2012年,西班牙和葡萄牙的经济体感受到了3.2%,而失业率飙升至18%,尤其是年轻人。 但6年后,葡萄牙正在蓬勃发展,其增长和失业率的演变令人惊叹! 科技人才来自波尔图大学或布拉加的米尼奥大学。 每年,至少有9万名来自该国十大大学的毕业生与科技创业公司(包括金融科技公司)的工作具有高度相关的技能。

 

英文:

l As Portugal doesn’t represent a huge market potential in terms of business opportunities, some Portuguese fintechs created bridges directly with the USA to spread their innovations at a larger scale. For example, Feedzai, the local market leader in fighting fraud with AI opened offices in the Silicon Valley at a quite early stage. Nuno Sebastiao says ‘we decided very early on to go abroad”. He adds that it could be linked to the fact that Portugal is a “small type of country”. James.Finance too, opened offices in the USA (NY) at quite an early stage.

l In terms of topics of interest, the ecosystem has quite the same equilibrium than in France or Spain, except that Crypto / Blockchain tools are more and more numerous. Among the Fintech Pitching competition, 1/3 of the competing fintech startups were related to crypto and blockchain technologies. Among the Top 25 Portuguese Fintechs, numerous solutions associated with this topic, like HOLD, which provides an alternative solution to sell cryptocurrencies, Coinvision, that delivers analytics to assess the crypto risks and opportunities better, or UTRUST, a cryptocurrency payment provider offering consumer buyer protection and instant settlement for merchants.

l Regtech seems to be a hot topic tooin Portugal. Plenty of « Identity Management » tools are emerging there. to be fair, even though we are in fond of this investment space, it is not so easy to see clear entrance barriers and differentiation. On top of Identity Management startups, various Portuguese regtechs were presenting their solutions at Web Summit, to handle risks better, to fight fraud, to launch RGPD strategies and so on.

l Related to their main challenges, fintech startups in Portugal seem very clear about the fact that regulation is a painful process : 26% of the fintech startups think it is their main stake, The Portugal Fintech Report 2018says. Then, comes access to the market (22%), getting the marketing mentality (17%), cracking the sales cycles (17%) and searching for talents (13%). I guess other European countries’ fintech could have declared the HR stakes as one of the most important challenges they face. Seems like Portugal is very appealing to talents ;)

l That leads us to the 5th trend: tech talents abound in Portugal ! In 2012, Spain and Portugal’s economies felt by 3,2%, while the unemployment rate soared to 18%, especially for the youth, says Matt Pitt, Head of Research at Wilbury Stratton. But 6 years later, Portugal is booming and the evolution of its growth and unemployment rates is amazing! Tech talents are flowing from the University of Porto or the Braga-based University of Minho. Every year, at least 90,000 graduates emerging from the country’s top 10 universities have highly relevant skills to a work in tech startups, including fintech ones.


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