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最有看点的互联网乐天堂娱乐门户
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IBM等科技巨头明年恐大举收购乐天堂娱乐科技创企

挪威乐天堂娱乐科技创企Auka是一家以云技术为基础的白标移动支付平台,帮助乐天堂娱乐机构面向企业与消费者发布移动支付产品。该公司首席执行官 Daniel Döderlein表示,那些与银行保持长期关系但仍依赖旧技术的科技巨头(如IBM和Capgemini)明年将开始大笔并购或收购新兴乐天堂娱乐科技企业。

2018年1月,一项新的欧盟指令——新版支付服务指令(PSD2)将正式生效。根据该法令,届时第三方企业将可独占银行软件与客户数据,从而开发新产品。这种模式被称为“开放式银行(open banking)”。

Döderlein掌管的Auka协助17家银行开发了移动支付产品。Döderlein表示,新法案生效将促使大型主流科技企业抢购小型乐天堂娱乐科技创企,从而利用此类创企掌握的新型技术。

Döderlein还指出,大型市场参与者将开始收购“细分”与“小众垂直”领域,即迎合特定市场的企业。原因在于其需要支付技术以利用欧盟的新版支付指令(PSD2),并就此降低处理成本。

Döderlein表示,Starling与Monzo等乐天堂娱乐科技创新者将提供技术能力,但未必能维持可不关系,这与大型第三方企业形成鲜明对比。

或多或少手握优秀技术的企业不计其数,然而它们没有营销力量,没有消费用户,不具备乐天堂娱乐吸引力。

Auka并未向CNBC透露其提供支付服务的银行方信息。CNBC也均未联络到IBM及Capgemini。

Tech giants like IBM and Capgemini could go on a mergers and acquisitions "shopping spree" for financial technology (fintech) start-ups next year, the chief of one such start-up has told CNBC.

Daniel Döderlein, CEO of Norwegian fintech startup Auka, said that tech behemoths that have shared a long-standing relationship with banks but still rely on older technology would begin to show an interest in a "flood" of new fintech firms.

A new European directive, which becomes effective in January 2018, would enable third party businesses to monopolize on banks' software and customer data to build new products – something referred to in the fintech world as "open banking".

Döderlein, whose company helps develop mobile payments products for 17 banks, said that this would result in big, mainstream tech companies snapping up smaller fintechs to harness the newer technologies they have on offer.

"What we see predominantly throughout that whole sector is that their capability in terms of the technology you need to serve this next leg of the journey, once all the floodgates are being opened up in January 2018, is not necessarily present. So they will probably go on a shopping spree and do a lot of M&A," he told CNBC over the phone last Monday.

He added: "Many of these larger players in the market that have no experience of doing payments but see that this software has a very strategic disposition, including the option of reducing their payment processing cost."

'They need technology'

Auka's CEO said that larger players would start to acquire "fragments" and "niche verticals" – vendors that cater to a specific market – because larger players would need payments technology in place to exploit the EU's Revised Payment Services Directive (PSD2).

"They need technology, all of those larger companies - fragments and verticals that will pop up - they need technology to do that and that is where the force of fintech is going to go," he said.

Fintech challenger banks like Starling and Monzo would provide the technological capability, but not necessarily the relationship with consumers – in stark contrast to larger third party companies, he said.

"There's a ton of companies out there that have more or less great technology, but they don't have the marketing muscle, they don't have consumer customers, and they don't have any financial traction."

Auka is a cloud-based white label mobile payments platform that enables financial institutions to launch their own mobile payments products to merchants and consumers.

The start-up was not able to tell CNBC which banks it provides payments services for.

Neither IBM nor Capgemini were immediately available for comment when contacted by CNBC.


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