2019年Fintech预测-KPMG

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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.
2018年，全球金融科技生态系统继续以加速的速度成熟。随着开放式银行业的兴起，监管清晰度的提高以及人工智能和区块链的成熟，2019年将成为金融科技的另一个重要年份。

Here are our top 10 predictions for 2019:
以下是我们对2019年的十大预测：
1, 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.
整合：2019年，我们将看到成熟领域（如支付和贷款）以及区块链等新兴领域的整合水平不断提高 - 初创公司希望扩大规模并推动国际增长。
2, 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.
更大的交易：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，并且在降低风险方面有着良好的记录。
3, Global expansion: Challenger banks will continue to grow their service offerings and expand across international borders.
全球扩张：挑战者银行将继续增加其服务产品并扩展跨越国界。
4, 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.

开放银行业务：在欧洲和其他地方开放银行业务的规定将成为技术巨头和创业公司的一个福音，因为他们越来越多地在金融服务领域发挥作用。
5, Blockchain: There will be a dramatic increase in levels of investment in companies dedicated to building specific products and solutions based on blockchain technology.
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水平将大幅提升。
6, 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.
Insurtech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测试其他保险产品的美国和欧洲传统保险公司。
7, 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.
Regtech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。
8, 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.
金融机构：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并购战略的核心部分，合作伙伴关系预期会增加。
9, 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.
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和数字身份管理等领域 - 包括面部识别和语音识别。
10, 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
数字银行业务：传统银行和企业将越来越多地扩展到数字银行业务，引入独立运营的灵活，独立的数字银行，而不依赖于现有的遗留系统

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关键词：银行业务 金融科技 数字银行 金融机构 交易规模

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