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政府支持BSI发布新指南以促进金融科技和金融机构之间的互动

发布时间: 2019-01-07 09:31:21   审校:睿智  

今天,BSI与金融科技交付小组联合推出了新指南,以改进金融科技公司与金融机构之间的互动。该指南是英国发布的首个指南,旨在加速金融科技的发展,并巩固英国作为全球金融服务创新中心的地位。

金融机构预计在未来三年内与金融科技公司的合作伙伴关系将增加82%。这表明,人们对合作的兴趣明显增加。对英国金融科技的投资仍然很高,2018年上半年投资122亿英镑,占整个欧洲投资的一半以上,占全球投资的五分之一以上。所有这些都说明了金融科技及其融入更广泛金融领域的重要性——该指南旨在缓和这一过程。

新指南是在政府支持的金融科技交付小组的赞助下制定的,该小组是由科技国家管理的一项计划,也是HM财政部的金融科技部门战略的一部分。该指南是由英国顶级零售银行(苏格兰皇家银行(RBS)、巴克莱(Barclays)、汇丰英国(HSBC UK)、劳埃德银行集团(Lloyds Banking Group)和桑坦德银行(Santander)共同制定。主要的金融技术人员,如MarketInvoice、ID Co.和iwoca也为制定指南作出了贡献。各方齐聚一堂,查明和解决阻碍金融科技和金融机构成为成功盟友的问题。可公开提供的规范-PAS 201:2018支持金融科技与金融机构合作。指南——寻求以澄清金融科技和金融机构的方法,力求使英国与众不同。该PAS的目的是希望减少各方的时间、成本和风险。至关重要的是,它不仅可以免费提供给目前在英国运营的1600家金融科技公司,也可以免费提供给那些希望与英国金融机构打交道的国际金融科技公司。

PAS中有许多指南,银行希望这些指南有助于公司牢记以下内容:

1.尽可能清楚地说明您发现了哪些问题,以及您的产品是如何提供解决方案的

2.仅仅依靠一个问题和解决方案往往是不够的-机构应当想要了解长期的市场机会,并且想知道他们所参与的公司也理解它,以确保任何投资都是真正值得的

3. 如果你的目标是与一家金融机构建立伙伴关系或合作,那么就调整你的推销内容来表达这个事实,而不是使用面向客户的推销内容

4. 关注未来,确保潜在合作伙伴理解你的解决方案的长期相关性

该指南还解释了为满足商业和监管需求而需要满足的商业考虑和必要的检查和控制。这包括关于准备、数据收集、尽职调查、入职、商业和合同程序以及数据保护和信息安全考虑的建议。

财政部经济秘书约翰·格伦(John Glen)表示:“英国是金融科技的先驱,但要成为世界上最好的国家,我们需要让新来者尽可能轻松地与更大的参与者合作。这就是为什么我们帮助成立金融科技交付小组的原因,该行业将因今天发布的指导方针而更紧密地开展合作,进而使全国各地的客户受益。”

MarketInvoice首席执行官兼联合创始人阿尼尔·斯托克(Anil Stocker)表示:“今年8月,我们与一家业内首创银行合作,让它们的商业银行客户能够获得我们的发票融资解决方案。

在建立这一公开可用的规范期间,我们学到了许多东西,以帮助调整我们与合作伙伴的关系。

有很多指导可以真正帮助年轻的金融科技人员,但对我来说文化是关键,双方都需要了解并同意建立伙伴关系的核心任务。就我们而言,这始终是为了确保为英国企业提供最高水平的客户服务。”

BSI制造与服务负责人丹·帕尔默(Dan Palmer)表示:“我们必须让金融科技公司与老牌银行打交道更容易,这一点至关重要。这种合作不仅将改善对客户的服务,而且还将确保英国在金融领域的领先地位。这些指南应能促进双方互动,使金融技术人员在推销过程中能够相对容易地在波涛汹涌的水域中前行。”

New Government-backed guidelines to boost engagement between fintechs and financial institutions

BSI, the business improvement company, in association with the Fintech Delivery Panel, has today launched new guidance to improve engagement between fintech companies and financial institutions. The first of its kind in the UK, the guidelines aim to accelerate fintech growth and reinforce the UK’s place as a global centre of innovation in financial services.

Financial institutions expect an 82 per cent increase in partnerships with fintech companies within the next three years, demonstrating a clear increase in appetite for collaboration. Investment in British fintechs remains high, with the £12.2bn invested in the first half of 2018 representing over half of that invested across Europe, and more than a fifth of that invested globally. All of this illustrates the importance of fintech and its integration into the wider financial sector – a process that the guide aims to ease.

The new guidelines have been developed through sponsorship from the government-backed Fintech Delivery Panel – an initiative run by Tech Nation – and are part of HM Treasury’s Fintech Sector Strategy. The document has been jointly created by the UK’s top retail banks (Royal Bank of Scotland, Barclays, HSBC UK, Lloyds Banking Group, and Santander) sitting on the Fintech Delivery Panel. Leading fintechs, such as MarketInvoice, The ID Co., and iwoca, also contributed to developing the guidelines, with all parties coming together to identify and address the issues that prevent fintechs and financial institutions from becoming successful allies.

The Publicly Available Specification - PAS 201:2018 Supporting fintechs in engaging with financial institutions. Guide - seeks to set the UK apart by clarifying the process for fintech companies and financial institutions alike. The PAS aims to hopefully reduce time, cost and risk for all parties. Crucially, it will be freely available not only to the 1,600 fintech companies currently operating in the UK  but also to those international fintech companies wanting to engage with UK-based financial institutions. 

The PAS contains numerous pointers that the banks hope would be helpful for companies to bear in mind such as:

1.      Communicate as clearly as possible what problem you’ve identified, and exactly how your product provides a solution to it

2.      Relying on a problem and solution solely is often not enough – institutions want to understand the longer-term market opportunity, and want to know the firm they engage with understand it too, to make sure any investment is truly worthwhile

3.      If your goal is to partner or collaborate with a financial institution, tweak your pitch to represent this fact rather than using your customer-facing pitch.

4.      Keep an eye on the future to ensure potential partners understand the long-term relevance of your solution

The guide also provides an explanation of both the commercial considerations and the necessary checks and controls that need to be satisfied to meet business and regulatory demands.  This includes recommendations on preparation, data gathering, due-diligence, on-boarding, commercial and contractual processes, as well as data protection and information security considerations.

John Glen MP, Economic Secretary to the Treasury said: “The UK is a trailblazer in fintech, but to be the best in the world we need to make it as easy as possible for newcomers to collaborate with the bigger players. That’s why we helped to set up the Fintech Delivery Panel, and thanks to the guidelines published today the industry will be able to work closer together, benefiting customers across the country.”

Anil Stocker, CEO and co-founder at MarketInvoice, said: “In August this year, we partnered with one of the sponsoring banks in an industry-first collaboration to give their business banking customers access to our invoice finance solutions. We took a number of learnings during the creation of this PAS to help marshal our relationship with our partners. There is a lot of guidance that can really help young fintechs. For me, culture is key. Both parties need to know and agree on a central mission in partnering. In our case, it was always about ensuring the highest level of customer service in helping UK businesses.”

Dan Palmer, Head of Manufacturing and Services at BSI, said: “It is vital that we make it easier for fintech companies to engage with established banks. Not only will this collaboration improve services for customers, but it will also ensure that the UK remains at the forefront of the financial sector. These guidelines should facilitate these engagements, allowing fintechs to navigate the choppy waters of the pitch process with relative ease.”


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