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国际资讯

[未央翻译]Fintech国际资讯周报|2017年第35周

简化住房抵押贷款流程,Fintech创企Blend获1亿美元D轮融资

近日,旧金山Fintech创企Blend宣布已获得1亿美元D轮融资,由Greylock Partners领投,Andreessen Horowitz等机构跟投,总融资规模达到1.66亿美元。 据知情人士透露,新一轮融资后Blend的估值将达到约5亿美元。

Blend成立于2012年,是一家同时服务B端与C端用户的在线住房抵押贷款中介服务平台。Blend协助借贷机构收集和评估抵押贷款承销过程信息,并通过安全自动化的数据聚集、配置规则和流程快速审核借贷人资质,简化放贷流程,还有助于机构跟踪抵押贷款,并与客户保持联系。

随着技术和制度的不断发展,美国住房抵押贷款行业日趋完善,市场份额也逐渐庞大。Fannie Mae's 2015年的报告显示,住房抵押贷款占到美国人借贷总额的70%以上,总额超过25万亿美元。

香港证监会与迪拜乐天堂娱乐局签署乐天堂娱乐科技合作协议

(香港)证券及期货事务监察委员会(证监会)今天与迪拜乐天堂娱乐服务局签订合作协议,建立互助框架以紧贴乐天堂娱乐科技的发展和应用。根据该协议,证监会将会与迪拜乐天堂娱乐服务局在资讯共享、具潜力的创新项目及寻求进入对方市场的创新型企业的转介方面开展合作。继证监会于2016年成立乐天堂娱乐科技联络办事处及迪拜乐天堂娱乐服务局于本年度推行监管乐天堂娱乐科技制度后,双方签订了该协议。

加拿大Fintech创企Verax获埃森哲收购

本周,埃森哲宣布收购来自加拿大多伦多的乐天堂娱乐科技创企Verax,具体金额并未对外公布。

Verax成立于2003年,目前还处于私有状态,共有员工180人。该公司主要提供包括IT战略、企业架构资讯、项目与程序管理、乐天堂娱乐风险与合规解决方案、商业智能与数据储存等业务。目前,Verax已先后获得了多家领先银行、保险与资本市场的青睐,为多个财富管理公司、券商、基金、移动与在线银行、零售银行等提供相关服务。

日本瑞穗银行携手IBM Watson大数据平台打击乐天堂娱乐犯罪

本周,日本瑞穗银行宣布,将使用IBM公司新晋推出的监管科技产品IBM乐天堂娱乐犯罪-Watson(2代)产品。瑞穗银行希望借助这种先进的直线型调查技术为公司的乐天堂娱乐犯罪调查保驾护航。这款Watson软件在IBM云端运行,可以对大规模的数据来源(包括新闻源辨识和屏幕提取功能)进行分析,取代以往的人力手工劳动。据了解,这款产品或将极大的提高平台打击包括恐怖主义窃取用户机密在内的多种乐天堂娱乐犯罪行为。新加坡不仅是一个快速发展的亚洲市场,同样在打击犯罪、加强监管和推动乐天堂娱乐科技进步方面表现相当积极。因此,瑞穗银行首批试点也将在新加坡试点展开。

携手丰田汽车,印尼打车软件Grab有望进一步提升大数据应用能力

本周,东南亚最大的打车软件Grab宣布将开展一项全新的以数据为核心的测试项目,合作方分别是丰田汽车集团、丰田乐天堂娱乐服务集团和Aioi Nissay Dowa 保险有限公司。根据本次合作计划,Grab会将旗下100辆丰田车辆的数据进行在线共享。这些驾驶模式数据将通过丰田的行车记录仪TransLog进行收集。而后,丰田房买你将会对数据进行分析,并根据分析结果提出相应的丰田汽车服务平台产品推销建议(比如用户定制保险、贷款计划等等)。合作各方都认为,这一项目将有助于提高和完善Grab平台司机的驾驶体验。

iPhone8或添新功能:刷脸解锁尽在毫秒之间

又是一年九月,有关新款iPhone上市的消息也越吵越热。有消息称,今年上市的iPhone8或将“面部识别”功能,而原有的Home键指纹识别将被取代。如果真是如此,那么用户未来只需通过三维成像的面部识别功能,就能快速解锁自己的iPhone,进而完成屏幕浏览或Apple Pay支付等功能。相关人士认为,相比于原有的指纹识别技术,3D感应的面部识别功能可以搜集更多的个人数据信息,手机和用户信息安全度也将因此得到进一步提高。

没有网银也能网购,亚马逊在英推出小额直充业务

本周电商巨头亚马逊宣布,用户可以直接在其英国亚马逊账户中一次性充值5到250英镑,这样以来,即便没有网银也一样可以进行网购了。充值服务不收费,充值之后即可直接在英国亚马逊进行购物。不过,所购商品品种还是有所限制,而且此类充值金额不能用于购买亚马逊购物卡。

要使用这项服务,用户首先要通过亚马逊网站或APP获取自己的账户条形码,然后拿着这个条形码和所需资金去全英各地的充值点进行充值。这些充值点一般位于便利店、百货商店或者加油站内,收银员会扫描条形码,然后充值即可完成。此类充值服务的账户金额必须在十年内使用,逾期作废且不予退还。

据了解,亚马逊此前在美国也推出过一款名为Amazon Cash的类似服务。

Mortgage technology provider Blend raised another $100 million led by Greylock

Founded in 2012 by a group of Palantir veterans, San Francisco-based Blend is simplifying the process of mortgage applications for both borrowers and lenders. Furthermore, its infrastructure is instrumental in helping underwriters at financial institutions to keep track of mortgages in process and keep them connected to their clients.

Last Thursday, the company raised another big round of funding, this time from Greylock Partners. Existing investors Emergence Capital, 8VC, Lightspeed Venture Partners and Nyca Partners all participated in the round, which brings total financing to $166 million. (Source: Techcrunch)

Dubai Financial Services Authority & the Securities and Futures Commission in Hong Kong Partner on Fintech

The Dubai Financial Services Authority (DFSA) and the Securities and Futures Commission (SFC) in Hong Kong have signed an agreement to cooperate on Fintech innovation. The two public entities said the agreement will further strengthen the efforts of both authorities to develop an innovations-friendly ecosystem and regulatory environment in their respective markets.

Under the agreement, both authorities will share information on developments and innovations in Fintech in their respective markets. The agreement also will encourage both regulators to refer innovative firms to one another’s markets and to provide them with regulatory guidance.

This specific agreement extends an existing relationship between the SFC and the DFSA with a joint commitment to maintain standards of cooperation. Both regulators are signatories to the IOSCO Multi-lateral Memorandum of Understanding (MMoU). They also entered into a bi-lateral MoU in 2008. (Source: Crowdfund Insider)

Accenture buys Canadian fintech consulting firm Verax

Accenture has acquired Verax Solutions, a Toronto-based technology and systems-integration consulting firm that serves the financial services sector in Canada. Financial terms were not disclosed.

VERAX is a privately-owned company founded in 2003 that employs around 180 people at offices in Toronto and Halifax. Its key service areas include IT strategy, enterprise architecture consulting, project and program management, financial risk and compliance solutions, as well as business intelligence and data warehousing. Serving leading banking, insurance and capital markets institutions, VERAX delivers IT consulting initiatives across the full range of financial-services lines of business, including wealth management, brokerage and mutual funds, mobile and online banking, retail and commercial banking, and insurance and capital markets. (Source: Finextra)

Mizuho Bank employs IBM Watson to fight financial crime

Mizuho Bank has selected IBM's recently announced regtech offering IBM Financial Crimes with Watson *2 that efficiently manages all financial crimes investigation efforts through streamlined research and advanced investigation techniques. The Watson-powered software, which runs on the IBM Cloud, analyzes a wide range of data sources, including retrieving various news sources and extracting data using screening technologies, that were previously done by hand.

This can efficiently verify financial crimes investigation efforts such as criminals including terrorists sneaking into the customer base. Mizuho's test will take place in Singapore, which is at the center of the growing Asian market and a country that proactively imposes anti-crime regulations and incorporates FinTech. (Source: Finextra)

Grab and Toyota Launch Data Collaboration Initiative for Connected Car Services

As the first on-demand transportation platform in Southeast Asia, Grab announced the launch of a new data-focused pilot programme with Toyota Motor Corporation, Toyota Financial Services Corporation, and Aioi Nissay Dowa Insurance Co., Ltd. this week.

As part of the initiative, Grab will share data on driving patterns from 100 Toyota cars in Grab’s fleet, captured by Toyota’s data-transmission driving recorder, TransLog. Toyota’s team will then analyse the data set and, based on this analysis, offer recommendations on how other connected car services on the Toyota Mobility Service Platform (MSPF) – such as user-based insurance, financing program, and predictive maintenance – could enhance the Grab experience for drivers on the Grab platform.(Source: Fintechnews)

Face ID Described as iPhone 8's 'Crown Jewel', Unlocking Device in 'A Few Hundred Milliseconds'

As we near the device's launch, expected in September, so-called "Face ID" has risen to the forefront of iPhone 8 rumors and is largely believed to be replacing Touch ID entirely on Apple's majorly redesigned tenth anniversary smartphone. In other words, the front-facing 3D sensor, which can capture more data points than a fingerprint scan, will be able to unlock the iPhone 8 in a "few hundred milliseconds" to give users quick access to their smartphone and quickly authenticate Apple Pay purchases. (Source:Macrumors)

Amazon Top Up Allows UK Underbanked Users To Pay With Cash

This week, Amazon has started to allow shoppers to load between £5 and £250 into their Amazon U.K. accounts in a single top-up transaction. There are no fees to use the service, and funds are available to spend on Amazon.co.uk immediately. However, the option is restricted to spending on eligible products and the service cannot be used to purchase Amazon Gift Cards.

To use the Amazon Top Up service, users need to obtain a barcode linked to their accounts via the Amazon website or mobile app, and then take it, along with the cash they want to add to their Amazon Top Up balances, to one of thousands of existing PayPoint locations in convenience shops, grocery stores and petrol stations across the U.K.The cashier will then scan the code and add the cash to their Amazon Top Up balances. The amounts added expire 10 years after loading if not spent, and loaded Amazon Top Up cash cannot be withdrawn.

The company debuted a similar service, Amazon Cash, in the U.S. in April. (Source: PYMNTS)


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