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您现在需要了解的有关非洲金融科技的所有信息!|出海非洲现金贷岛群第8期

2020-01-16 19:33:53

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到目前为止,专注于非洲的金融技术初创公司是当下的技术狂潮。在过去的三年中,该领域的初创企业获得的投资都超过了其他领域-这是有基础的。

 

在整个非洲大陆,金融科技并没有像建立一个历史上不发达的行业那样破坏传统的金融服务。通过创建大量基于技术的产品和解决方案,包括移动货币,在线支付处理,贷款和投资,这些初创公司正在填补当地金融服务行业中存在的巨大空白。

 

非洲约有66%的成年人口没有银行账户,因此新兴行业有巨大的机会将金融包容性推向传统银行体系之外。在肯尼亚,M-Pesa移动货币服务取得了空前的成功,它允许用户通过移动电话或代理网络(无论他们是否拥有银行帐户)相互支付账单。自2007年推出以来,该服务已经影响了当地对金融产品和服务的获取:如今,肯尼亚的金融普惠性从2006年的27%上升至83%。

 

不只是肯尼亚。在整个西非,移动货币领域的覆盖面是当地银行的13倍。在加纳,MTN去年启动了基于移动货币的IPO,筹集了超过2亿美元。今年早些时候,总部位于尼日利亚的支付API Flutterwave与中国电子商务巨头阿里巴巴达成了具有里程碑意义的合作伙伴关系,以允许非洲商人从支付宝的10亿用户那里接收付款。

 

得益于致力于将移动技术作为解决绕过古老问题和从头开始建设基础设施的解决方案的金融科技公司,新一代的非洲年轻人参与了本地和全球经济。

 

注意

 

非洲是世界上最年轻的劳动力大国,移动电话使用率也在迅速增长。为这个市场提供基本的金融服务具有巨大的潜力,从硅谷风险投资公司到国际金融机构的全球投资者都在关注并支持非洲金融科技公司。值得注意的是,全球支付巨头也希望加入。

 

在过去的18个月中,全球支付巨头Stripe和Visa领导了尼日利亚在线支付公司Paystack进行了800万美元的A轮融资,而万事达则参与了尼日利亚主要支付解决方案初创公司Flutterwave进行的2000万美元的A轮融资。作为回合的一部分,前Visa首席执行官约瑟夫·桑德斯(Joseph Saunders)也加入了公司董事会。万事达卡还支持非洲最大的电子商务公司内部支付解决方案Jumia Pay,该计划计划以PaylPal为灵感进行分拆。

 

就其本身而言,PayPal还支持了在肯尼亚和坦桑尼亚开展业务的知名在线贷方塔拉(Tala),而维萨(Visa)牵头在另一家数字贷方Branch(Branch)进行了1.7亿美元的C轮投资。这些交易中最具有里程碑意义的事件发生在上周,当时Visa对尼日利亚的付款处理方进行了2亿美元的投资,Interswitch确认该公司是非洲第一家金融科技独角兽。

 

有观点认为,这些全球支付巨头正在寻求从可能有利可图的退出中获利,非洲科技初创公司的资深投资者维克托·阿斯莫塔(Victor Asemota)认为,这是长期的行为:“他们都在寻找市场份额而不是退出,”他说。

 

中国在非洲

 

是的,中国在非洲的广泛影响也扩展到了非洲大陆最有前途的新兴行业。

 

在尼日利亚,由中国独有的Opera浏览器孵化的OPay正与非洲顶级手机制造商中国Transsion Holdings的子产品PalmPay竞争。中国的兴趣有多强?考虑一下:仅在过去的五个月中,两家公司就共同从中国投资者那里获得了超过2.1亿美元的融资,这已经使它们跻身非洲大陆资金最雄厚的金融科技公司之列。

 

一种理论是中国投资者希望在国内复制成功的支付宝和微信支付。但也有人认为,这样做是为了促进一家专注于非洲的金融科技公司的快速增长,并着眼于大型IPO或被全球支付公司收购。 (Interswitch将于明年在伦敦证券交易所上市。)

 

同时,PalmPay和OPay正在尽可能利用其中国支持者。 OPay借助Opera浏览器(在非洲第二大浏览器)的流行而获得发展,而PalmPay将预装在Transsion的快速销售智能手机中。

 

OPay还通过在其他垂直领域开展业务并追求激进的增长,来推动其支付平台的大规模使用。自推出以来,其摩托车叫车服务ORide一直在进行大量补贴的促销活动,以在尼日利亚竞争激烈的叫车市场中脱颖而出。而且,尽管存在监管方面的顾虑,但ORide自行车的普及性正在上升,尤其是在拉各斯,这表明该策略正在奏效。 OPay还推出了送餐,公交车汽车叫车业务。

 

红旗

 

尽管金融包容性的巨大可能性,但金融科技初创企业可能仍会受到严格监管的阻碍。

 

去年,尼日利亚中央银行向金融科技初创公司敲响了警钟,提出了一项政策提案草案,将寻求执照的金融科技公司的最低股东资金提高到27.5万美元至1400万美元之间,这可能会构成严重的准入门槛。随着新公司的出现和与传统金融服务部门并行运作,顶点银行将其称为解决“现有风险”的举措。但业内人士认为,这象征着非洲大陆上数个政府(并非以促进创新而著称)如何通过繁文ta节来限制科技驱动的金融包容性。

 

一些金融科技公司也受到越来越多的审查。数字贷款应用程序通过提供快速贷款来本质上帮助用户超越传统银行以获取信贷,同时通过搜索包括呼叫日志,联系人列表和GPS数据在内的智能手机数据来确定信誉度,从而使之迅速飙升。

 

但是,越来越多的证据表明,快速获得数字贷款的便捷性导致个人债务激增。而且,随着借贷应用争抢来自利息支付的市场份额和收入,人们担心它们会在无意中将用户推向负债和不良的支出选择。

 

用户数据的商品化也引起了人们对数据隐私和所有权的担忧,在审查过程中,已经采取了一些限制措施:肯尼亚已经通过了新的欧盟启发式数据保护法,而Google在8月宣布将禁止借贷应用宣传需要在两个月或更短时间内还清的个人贷款。

 

 



Everything you need to know about African fintech right now

 

Africa-focused financial technology startups are, by far, the tech rave of the moment. In each of the last three years, startups in the sector have received more investment than other sectors – and there’s a basis for this.

 

Across the continent, fintech isn’t so much disrupting traditional financial services as building up a historically underdeveloped industry. By creating a raft of tech-based products and solutions, including mobile money, online payment processing, lending, and investing, these startups are plugging large gaps that exist in local financial service industries.

 

With around 66% of the adult population in Africa unbanked, the emerging industry has a huge opportunity to drive financial inclusion outside of traditional banking systems. In Kenya, M-Pesa mobile money service has been a runaway success by allowing users to pay bills, and each other, through mobile phones or an agent network, whether or not they have bank accounts. Since launching in 2007, the service has impacted local access to financial products and services: today, financial inclusion in Kenya stands at 83%—up from 27% in 2006.

 

And it’s not just Kenya. Across West Africa, the reach of the mobile money sector is 13 times wider than local banks. In Ghana, MTN launched a mobile-money based IPO last year and raised over $200 million. Earlier this year, Flutterwave, the Nigerian-headquartered payments API, struck a landmark partnership with Chinese e-commerce giant, Alibaba to allow African merchants receive payment from Alipay’s one billion users.

 

Thanks to fintech companies that have focused on honing mobile technology as a solution to bypass age-old problems and building infrastructure from scratch, a new generation of young Africans are participating in local and global economies.

 

Paying attention

Africa is home to the world’s youngest labor force, and a rapidly growing rate of mobile phone use. Providing essential financial services to this market has major potential—and global investors, from Silicon Valley venture capital firms to international finance institutions, are taking notice and backing African fintech companies. Notably, global payments giants also want in.

 

Within the last 18 months, global payments giants Stripe and Visa have led a $8 million Series A round in Paystack, a Nigerian online payments company while Mastercard participated in a $20 million Series A extension round in Flutterwave, a major Nigerian payments solutions startup. As part of the round, former Visa CEO Joseph Saunders also joined the company’s board. Mastercard has also backed Jumia Pay, the in-house payments solution of the largest e-commerce player in Africa, amid plans for a PaylPal-inspired spin-off.

 

For its part, PayPal has also backed Tala, the popular online lender operating in Kenya and Tanzania, while Visa co-led a $170 million investment Series C round in Branch, another digital lender. The most landmark of these deals came just last week when Visa’s $200 million investment in Nigerian payments processor, Interswitch confirmed the company as Africa’s first fintech unicorn.

 

There’s the view that these global payment giants are looking to cash in on possibly profitable exits, Victor Asemota, a veteran investor in African tech startups suggest these are long-term plays: “They are all looking for market share and not exits,” he says.

 

China in Africa

Yes, China’s vast presence in Africa extends to the continent’s most promising start-up sector, too.

 

In Nigeria, OPay, incubated by the China-owned Opera browser, is going up against PalmPay, a subsidiary product of China-based Transsion Holdings, Africa’s top phone maker. How strong is Chinese interest? Consider this: both companies have jointly received over $210 million in funding predominantly from Chinese investors in the last five months alone already ranking them among the continent’s best funded fintech companies.

 

One theory is Chinese investors are looking to replicate the success of Ali Pay and WeChat Pay at home. But there’s also the view that the play is to fuel quick growth in an Africa-focused fintech company with an eye on a major IPO or acquisition by a global payments company. (Interswitch is due to launch on the London Stock Exchange next year.)

 

In the meantime, PalmPay and OPay are leveraging as much of their Chinese backers as they can. OPay is riding on the popularity of the Opera browser—the second most popular in Africa—while PalmPay will come pre-installed in Transsion’s fast-selling smartphones.

 

OPay is also driving mass use of its payments platform by launching operations in other verticals and pursuing aggressive growth. Since launch, ORide, its motorcycle hailing service, has run heavily-subsidized promotions to edge out other players in Nigeria’s competitive bike-hailing space. And the rising ubiquity of ORide bikes, particularly in Lagos—despite regulatory concerns—suggests the strategy is working. OPay has also launched food delivery, bus-hailing and car-hailing businesses.

 

Red flags

Despite the tremendous possibilities for financial inclusion, fintech startups may yet be hamstrung by stiff regulation.

 

Last year, Nigeria’s central bank set off alarm bells for fintech startups with a draft of a policy proposal to raise the minimum shareholder funds to a range between $275,000 and $14 million for fintech firms seeking licenses, which could prove a serious barrier to entry. The apex bank couched it as a move to address “existing risks” as new companies emerge and operate parallel to the traditional financial services sector. But industry insiders view it as emblematic of how several governments on the continent, not exactly known for fostering innovation, may limit tech-driven financial inclusion with red-tape.

 

Some fintech players are also drawing increased scrutiny. Digital lending apps have skyrocketed in popularity by essentially helping users look beyond traditional banks for access to credit by providing quick loans while determining creditworthiness scores by scouring smartphone data including call logs, contact lists and GPS data.

 

However, there’s growing evidence that the ease of access to quick, digital loans is leading to a spike in personal debt. And, as lending apps jostle for market share and revenue from interest payments, there are fears they will inadvertently nudge users towards indebtedness and poor spending choices.

 

The commodification of user data is also raising concerns around data privacy and ownership and, amid the scrutiny, some clampdown measures have been put in place: Kenya has passed new EU-inspired data protection laws while Google announced in August that it will bar lending apps that promote personal loans which require repayment in two months or less.

 



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