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2017-1-11 17:27| 发布者: 炼数成金_小数| 查看: 20828| 评论: 0|来自: 笑傲华尔街

摘要: 在全球商业对消费者金融科技范畴上,中国都处于领先地位,如腾讯及上海陆金所,以创新模式向数以百万计客户提供各种金融服务。但是,与西方国家在金融科技上获得的成果相比,除了中国只有少数人留意到中国企业和机构 ...

Python 金融 人工智能 机器人 量化投资

一、 忘记其他独角兽,应着眼于中国巨龙!

1.Forget the unicorns … watch out for the Chinese dragons instead!
Chinais the global leader in many aspects of B2C FinTech, with firms such as Tencentand Lufax deploying innovative ways to deliver financial services to millionsof customers. However, very few people outside of China are aware of thesefirms or appreciate how advanced their offerings are compared to their peers inthe West.
Perhaps2017 will be the year when China’s role in FinTech innovation finally gets therespect and attention it deserves on the global level?


2.RegTech, RegTech and RegTech
Sincethe Global Financial Crisis, banks have dealt with new regulations by hiringthousands of compliance officers and adding costly headcount. Many RegTechsolutions are now becoming available to help banks reduce such costs. UnlikeFinTech, where there is an element of competition between banks, RegTech is anarea where everyone could win by cooperating. Could 2017 be the year ofRegTech?

三、人们在Facebook 开立银行户口?
亚洲较大的科技企业,如腾讯及蚂蚁金服,在金融服务业已经相当活跃。很多西方的科技企业,从 Facebook 到Apple ,都在设法进入金融服务业。2017年,可预见这种推动力在金融服务业将会持续,西方科技企业也会借鉴中国同行业的灵感。

3.Opening my bank account with Facebook?
Thelarge tech firms in Asia, such as Tencent and Ant Financial, are already veryactive in the financial services space. Many of their Western counterparts,from Facebook to Apple, are continuing to make inroads into financial services.In 2017, expect this push into financial services to continue, with Westerntech players looking to China for inspiration.

金融科技行业在过去几年增长迅速但却没有人可以自称为金融科技全才。金融科技领域,如P2P 及支付到网上财富管理以及区块链,已逐渐朝着各自的方向发展。随着金融科技业日趋成熟,这种趋势将延续至2017,随之兴起的将会是监管科技及保险科技。

4.Forget FinTech, what exactly do you do?
Thisindustry has grown so much in recent years that nobody can really claim to be a’FinTech specialist’. Each of the many verticals of FinTech, from P2P andpayments to roboadvisory and blockchain, have become disciplines in their ownright.
Thistrend will continue in 2017, as the FinTech industry matures and related disciplinessuch as RegTech and InsurTech increase their dedicated following.


5.Artificial intelligence and robots to the rescue?
Whilethere has been much media focus on AI replacing human fund managers or traders,the most pressing cases may be cost reduction or compliance issues. AI can helpbanks detect money laundering or employee misconduct by replacing costly manualprocesses. 2017 may be another good year for AI. The good news for banks isthat these robots do not ask for raises or vacations and don’t have big egos.

全球最进取的金融科技项目,一定要数印度的在线支付系统India Stack,该项目将会为当地金融服务业带来翻天覆地的变化。正如中国在科技创新的成就一样,印度的金融科技创新亦被西方所忽略。India Stack 有很多令人赞叹的地方,包括全球性的生物认证系统,其认证并已签发给超过10亿人,成为印度所有银行户口及电子货币包的统一接口。2017年,其他国家也有可能会从“印度经验”中获得启发。

6.India leading the way?
Oneof the most ambitious FinTech projects globally is the ‘India Stack’, whichwill drastically transform the financial services industry in the country.However, as with similar innovations in China, few people in the West are awareof it. The India Stack has many impressive layers, including a universalbiometric digital identity, already issued to more than 1 billion people, aswell as a single interface for all of the country’s bank accounts and wallets.In 2017, will other jurisdictions be inspired by what India is trying toachieve?

七 、我可以在哪学“金融科技”?
随着金融科技进入大众市场,预期大学及其他机构都会争相推出与金融科技相关的课程。商业学院及财务课程都需要优化其课程设计及教学模式,因为对于未来的银行从业人员来说,这些技术是相当重要。我们需要在2017年告诉学生,如果未来想在银行业工作,那么他们或许应该成为程序员或设计师?而Python及 C++ 是否会成为新的语言如英文及普通话?

7.Where can I learn ‘FinTech’?
AsFinTech enters the mass market, expect universities and other bodies to offermore FinTech courses. Business schools and finance programs will need to makecourses on design, coding and engineering part of their curriculum, as theseare the skills that many bankers of the future will need.
Willwe start telling students in 2017 that if they want to work in banking, theyshould perhaps become programmers or designers? Are Python and C++ the newEnglish and Mandarin Chinese?

聊天机器人,即模拟人类沟通的应用,如 Facebook Messenger 和微信,已经从之前的新颖成为了2016年的主流。很多面向消费者的聊天机器人程序在不同行业,如零售银行和保险索赔,开始进行测试甚至已被采用。可以预期2017年会有更多聊天机器人在不同领域面世,并将成为我们日常生活的一部分。可能某天你要欢迎新同事 - “聊天机器人先生”。

8.Meet your new colleague, Mr Chatbot!
Chatbots,which mimic human conversations in apps such as Facebook Messenger and WeChat,went from novelty to mainstream in 2016. Several customer-facing chatbotapplications are now being tested for uses ranging from retail banking toinsurance claims.
Expectmany more of these to be piloted and rolled out in 2017, as chatbots start tobecome part of our everyday lives. Get ready to welcome your new colleague, MrChatbot!


9.Where have all the bankers/angel investors gone?
Bankersused to be a big source of angel capital for FinTech start-ups, especiallyacross Asia. Due to job losses, many of these previously bullish bankers arebecoming more cautious about start-up investments. This is directly affectingthe fundraising landscape for early-stage FinTechs.
Unfortunately,this trend is likely to continue in 2017.


10.FinTech arbitrage by building in the West and selling in Asia?
Moreinnovative FinTech firms based in America or Europe may choose Asia - usingHong Kong or Singapore as entry points - as their target market. While there istremendous FinTech and RegTech interest from banks in Asia, the pool of qualityhomegrown FinTech start-ups is limited. This presents a unique opportunity forFinTechs to develop the R&D in the West and deploy it in Asia.

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