2022年Q4金融科技报告(英)-24正式版.doc
《2022年Q4金融科技报告(英)-24正式版.doc》由会员分享,可在线阅读,更多相关《2022年Q4金融科技报告(英)-24正式版.doc(37页珍藏版)》请在得力文库 - 分享文档赚钱的网站上搜索。
1、Q4 2022Fintech sector updateQualitative insights into broader Fintech trends and public and private valuations across the transaction spectrum, and interviews with todays leaders transforming the sector.Important disclosures appear at the end of this reportGP Bullhound Corporate Finance Ltd and GP B
2、ullhound Asset Management Limited are authorised and regulated by the Financial Conduct AuthorityGP Bullhound Inc is a member of FINRAGP Bullhound Luxembourg S. R.L. is regulated by the CSSF in LuxembourgTHE VIEWQ4 Fintech perspectives from GP BullhoundTakeawaysBANKS INNOVATE Pay by Bank leverages o
3、pen banking to facilitate payments betweentrusted parties without the need for a card. The payment method hasAUTOMATEDseveral benefits including improved security, automated customerCLEARING HOUSEonboarding for merchants and reduced processing costsPAYMENTS TORecently, banks have established partner
4、ships, with and withoutREMAINfintechs, to roll-out a Pay by Bank solution to ensure their paymentsCOMPETITIVEoffering remains competitive 114 countries globally, representing over 95% of global GDP, areexploring Central Bank Digital CurrenciesTHE FUTURE OF Increased adoption of blockchain-enabled so
5、lutions and masstransition to a cashless ecosystem is catalysing the proliferation ofCENTRAL BANKS digital currenciesIS IT DIGITAL?With multiple pilot programmes being held by both the Bank ofEngland and the European Central Bank, implementation anddynamics are under questionAI AND ML Artificial int
6、elligence and machine learning have becomeincreasingly popular in credit scoring processes within the fintechADOPTION INindustry in recent yearsCREDIT SCORINGBy using alternative data sources, improving efficiency and speed,PROCESSES IS ONand personalising credit decisions, fintech companies can mak
7、eTHE RISEmore accurate and efficient credit decisions and improve thecustomer experienceNote: Please see following slides for sources2TakeawaysA LEADING TECHNOLOGY ADVISORY AND INVESTMENT FIRM, PROVIDING TRANSACTION ADVICE AND CAPITALGP Bullhounds recent Fintech activityACQUIRED BYINVESTMENT BYACQUI
8、RED BYINVESTMENT BYACQUIRED BYINVESTMENT BYACQUIRED BYInvestmentBankingINVESTMENT BYINVESTMENT BYINVESTMENT BYACQUIRED BYACQUIRED BYINVESTMENT BYACQUIRED BYInvestmentManagementINVESTMENT BYINVESTMENT BYINVESTMENT BYINVESTMENT BYINVESTMENT BYFund IFund IIIFund IIIFund IVFund IV3TakeawaysGP BULLHOUNDS
9、 SECTOR TAKEAWAYSPressure from nimble fintechs is encouraging banksSelect newsto innovate ACH payments via Pay by BankOpen banking is modernising the ACH network to enable seamless payments via Pay by Bank During the third quarter of 2022, the Automated Clearing House (ACH) payment network processed
10、 7.6 billion transactions representing $19.2tn in value. P2P ACH payments grew 10% YoY to 2.4 billion in Q3 as ACH payments become increasingly secure Open banking has catalysed the adoption of ACH payments as it enables individuals to share financial data between trusted parties and facilitate paym
11、ents directly from the users bank account with improved speeds and without the need for a card ACH payments are typically inexpensive as they remove card processing fees and take the pain out of recurring payments for consumers. Popular use cases include utilities payments, rent, pension payments fr
12、om the government and insurance For merchants, the Pay by Bank value proposition includes automated consumer onboarding, via open banking, and streamlined payment reconciliation. Additionally, Pay by Bank leverages the banks payment authentication network to improve security and lowers customer data
13、 storage costs since cards are not required and the payment is made account-to-accountDEAL DATE: NOV-22RAISED:$15MFEB-22: LAUNCH OFPAYDEALBY DATE:BANK SOLUTIONJAN-21TTV: $3.4NEV/REV: N/ABanks are steadily establishing partnerships to stay competitive against fintechs In November 2022, Mastercard ann
14、ounced its partnership with JP Morgan to roll-out an account-based (Pay by Bank) payment solution. The solution is currently in its pilot phase with a small number of US-based billers and merchants but is expected to expand significantly in 2023 Roll-out of the solution highlights JP Morgans aim of
15、remaining at the forefront of payments innovation and aligns with the banks wider strategy of accepting payments anytime, anywhere JP Morgan is not alone in seeing the value of open-banking enabled ACH payments. Bank of America delivered their Pay by Bank solution in conjunction with Banked, a UK-ba
16、sed fintech. The partnership demonstrates how banks are now working with Fintechs to remain competitive Bank of of Americas Pay by Bank solution is currently only available in the United Kingdom, but is expected to roll out into new regions soonSources: NACHA, Mastercard, Bank of AmericaDEAL DATE: M
17、AY-22RAISED: $40MNOV-22:PARTNERSHIP TOLAUNCH PAY BY BANK4TakeawaysGP BULLHOUNDS SECTOR TAKEAWAYSCBDCs: Are Central Bank Digital Currencies arrivingSelect newssooner than expected?Over half of the worlds central banks are considering digital currencies (CBDCs) CBDCs are digital tokens or electronic r
18、ecords that represent a nations currency in virtual form allowing for facilitation of digital transactions and simplification of monetary transfers, backed by central governments 114 countries, representing over 95% of global GDP, are now exploring CBDCs with 11 countries having already launched the
19、ir own state-owned digital currency Speculation around the introduction of CBDCs has been accelerated post Covid-19 due to the global shift towards digital, contactless and ecommerce payments reducing the need and use for cash Implementation of CBDCs can be implemented in a centralised or decentrali
20、sed fashion. A centralised approach much like the current fiat mechanics would have all transactions recorded in ledgers that are controlled by a central bank. Decentralising a CBDC would require the bank to set regulation around the settlement of CBDC transactions that are then recorded by financia
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 2022 Q4 金融 科技 报告 24 正式版
限制150内