KPMG 2019金融科技十大预测

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2018年，全球金融科技生态系统继续以加速的速度成熟。随著银行业的兴起，监管透明度的提高以及AI和区块链的成熟，2019年将成为金融科技的另一个重要年份。

以下是KPMG对2019年的十大预测：

整合：2019年，将看到已成熟领域（如支付和贷款）以及区块鍊等新兴领域的整合水平不断提高 - 新创公司们将扩大规模并推动国际增长。
更大金额的交易：交易规模预计将在2019年继续增长，因为投资者关注的是后期金融科技，并且试图降低风险。
全球扩张：有野心的银行将继续增加其服务产品项目并扩展跨越国界。
开放银行业务：在欧洲和其他地方对其他产业开放银行业误规定将成为科技巨头和新创公司的一个福音，因为他们将来越能在金融服务领域发挥作用。
区块链：致力于基于区块链技术构建特定产品和解决方案的公司的投资将大幅提升。
保险科技加速发展：亚洲的insurtech投资将大幅增长，部分原因是希望利用亚洲来测试保险产品是否适合推广到美国和欧洲传统保险公司。
监管科技上涨：regtech的投资将在2019年加速，因为初创公司专注于帮助现有金融机构降低与遵守日益严格的法规相关的成本。
金融机构的投资：企业投资将依然强劲，特别是由于开放式银行业务以及投资继续构成现有企业併购战略的核心部分，合作伙伴关係预期会增加。
亚洲的合作：亚洲金融科技和银行之间的合作预计将继续增长，特别是在KYC，AML和身份辨识管理等领域 - 包括面部识别和语音识别。
数位银行扩展：传统银行和企业将越来越多地开始运用数位银行，引入独立运营的灵活，独立线上银行系统，而不依赖于现有的系统的限制。

The global fintech ecosystem continued to mature at an accelerated pace over the course of 2018. With big developments ranging from the rise of open banking, increasing regulatory clarity and maturation of AI and blockchain, 2019 promises to be another big year for fintech.

Here are our top 10 predictions for 2019:

• Consolidation: In 2019 we will see increasing levels of consolidation in mature areas such as payments and lending, as well as emerging areas like blockchain – as startups look to scale and fuel international growth.
• Bigger deals: Deal sizes are expected to continue to grow in 2019, as investors focus on later stage fintechs with a proven track-record in an effort to reduce risk.
• Global expansion: Challenger banks will continue to grow their service offerings and expand across international borders.
• Open banking: Regulations around open banking – in Europe and elsewhere – will prove to be a boon for technology giants and startups alike as they increasingly play a role in financial services.
• Blockchain: There will be a dramatic increase in levels of investment in companies dedicated to building specific products and solutions based on blockchain technology.
• Insurtech accelerates: Asia will see substantial growth in insurtech investment, in part by US and Europe-based traditional insurers looking to use Asia to test alternative insurance offerings.
• Regtech rises: Investments in regtech will accelerate in 2019, as startups focus on helping incumbent financial institutions reduce costs associated with complying with increasingly stringent regulations.
• Financial institutions: Corporate investment will remain strong, with an expected increase in partnerships in particular due to open banking and also for investments to continue to form a core part of M&A strategies for incumbents.
• Collaboration in Asia: Collaboration between fintechs and banks in Asia is expected to continue to grow, particularly in areas like KYC, AML and digital identity management – including facial recognition and voice recognition.
• Digital banking: Traditional banks and corporates will increasingly expand into digital banking, introducing nimble, standalone digital banks that operate independently and do not rely on their existing legacy systems
  

Contact your local KPMG advisors to discuss these trends and what they mean for your business.

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that's very interesting forecasting, thanks!

谢谢分享

thanks for sharing

thanks for sharing

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2018年，全球金融科技生态系统继续以加速的速度成熟。随著银行业的兴起，监管透明度的提高以及AI和区块链的成熟，2019年将成为金融科技的另一个重要年份。

谢谢分享

谢谢分享

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