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FinTech,金融科技时代的来临

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FinTech,互联网金融的下一站

银行业面临强势洗牌?谁是未来财富的主宰者?中国该如何应对下一波金融浪潮?

揭示全球金融大未来,擎画金融科技战略路线图

FinTech,未来已来

#首本通俗类FinTech大众读物

#直接面对金融业核心:银行。讨论银行业转型、Fintech企业如何从支付方式等改变银行业

#讨论加密货币、区块链、移动互联、物联网、云计算等前沿科技对银行业的影响

#与FinTech行业第一线的代表性公司的领导者深入对谈,探索行业发展趋势


Content Description

每一次金融业变革,科技都是重要的推动力量。现在社会已经站在了新一次金融产业革命的开端:FinTech,已悄然拉动下一轮产业浪潮。

Fintech,即finance(金融)+technology(科技)的缩写,强调金融的产业化及科技化,科技与金融的结合更为紧密。在欧美,FinTech几乎被应用于金融业的方方面面,尤其关键的正是金融业的核心——银行。

全球FinTech(金融科技)知名专家克里斯·斯金纳,坦言FinTech将如何驱动银行转型,他从影响普通大众的支付方式入手,深入分析加密货币、移动互联网、物联网、区块链等科技,并挖掘社交媒体、传播影响力的价值,剖析P2P等互联网金融模式及趋势。《FinTech,金融科技时代的来临》强调了FinTech将如何改变传统金融,从而解释了FinTech在未来金融业将逐步成为常态,最终颠覆金融业,推动社会变革。

《FinTech,金融科技时代的来临》全书末尾收录了与诸多Fintech企业领导者的对谈,就加密货币前景、数字银行发展模式等展开深入交谈,由身处第一线的领军人物剖析行业趋势和无限可能。

任何不愿错过那些正在改变世界的重大变革的人,不应错过这本《FinTech,金融科技时代的来临》。


Author Description

克里斯·斯金纳,著名金融市场独立评论家、欧洲网络论坛“金融服务俱乐部”主席。先后被评为“FinTech领域40位具影响力的人物之一”(《华尔街日报》)、“银行业具影响力人物之一”(《金融品牌》)、“金融科技巨人”(Next Bank)、“你务必跟随的金融科技引导者之一”(《英国金融城早报》),以及“世界知名的银行业专家之一”(Klout)。

著有《互联网银行》等一系列有关金融市场的作品,涵盖创新及管理等各个方面。


Comments

克里斯·斯金纳——全球有关FinTech知名的声音之一——再次针对科技、电子商务和金融之间令人着迷的趋同性提出适时而又深刻的看法。该趋同性正在改变我们的世界。忽视这些倾向和见解的人后果自负。

——赛斯·惠勒,美国总统前经济顾问


社会正处于另一场金融革命的初期阶段——它已经在改变我们的生活和工作方式。本书讲述了推动当前过程的一些基本因素,所有对商业运作感兴趣的人必读。

——葛若杰,英国伦敦金融城前市长


全球支付的颠覆性创新时机已经成熟。克里斯·斯金纳极具说服力地指出,移动连接与分散式总账的技术结合正好能实现这种颠覆,造福数百万人。

——安德鲁·霍尔丹,英格兰银行前首席经济学家


本书对于重大技术趋势的分析不仅全面,而且深入透彻。这些趋势将对金融业造成轰动性的影响。

——唐·泰普斯科特,《维基经济学》作者


克里斯·斯金纳抓住了FinTech的关键点。他不仅解释了许多FinTech术语,而且展示了这些概念的具体应用实例。

——迪安娜·奥本海默,巴克莱银行全球零售银行业务前副主席


克里斯·斯金纳结合自己在金融服务及科技领域的长期经验,对它们之间界限模糊的趋势做出了全面且迷人的概述。本书讲述了科技如何使交易活动变得简易又低成本,从而颠覆了传统金融服务,以及银行必须如何积极利用这些趋势为未来做好准备。

——昌达·科赫哈,印度工业信贷投资银行总裁兼CEO


Catalogue

前 言

第一章 欢迎加入价值互联网

如何分享价值

谁来证明你是你

货币起源是我们基因的一部分

第二章 移动互联网化的星球

任何时间、任何地点

代沟

手机(再次)让隐形的银行业务现形

身份认证的工具

贝宝几乎消亡

钱包之战尚未真正开始

Apple Pay 会成为统领一切的钱包吗

为何Apple Pay 如此重要

移动钱包会扼杀Visa 和万事达卡吗

银行犯了致命的错误吗

中国的银行发展会引发全球移动银行业革命吗

当全世界的人都有了手机

未来的方向

银行正在丧失对移动机遇的掌控力吗

第三章 加密货币

数字货币

比特币是什么

Mt. Gox 的崩溃

通过比特币实现的“犯罪即服务”

管制加密货币

比特币为何需要一个基金会

价值储藏为何需要监管条例

比特币能买什么

什么才能让比特币获得成功

8100万美元的交易只花了4美分的手续费

案例分析:“丝绸之路”的故事

第四章 价值互联网:由FinTech 实现

为什么风险投资家向FinTech 公司投入巨资

机器顾问接管后

FinTech 进军投资银行业

被过分夸大的银行死亡报告

FinTech 很特别吗

特殊的关系

FinTech 对银行意味着什么

细分银行对于大而全的银行意味着什么

付款免费,然后呢

如果服务是免费的,我们怎么赚钱

将来,银行会有什么不同

客户加入数字世界

第五章 价值互联网对现存金融机构的影响

多数银行尚未走出 世纪的藩篱

金融旧模式与新模式之间的摩擦

旧银行需要重建

在云上的后台

开放中间层

以客户为中心的前台

基于要素的银行

案例分析:普里瓦银行,乌克兰

监管者的变化

银行作为价值系统整合者

作为货币商店的银行转向价值商店

数据个性化直击要害

案例分析:Klarna

第六章 重构价值交换

电子货币和区块链对银行的重要作用

价值互联网中的优步就是区块链

数字身份要求数字化基础设施

区块链会替代SWIFT 吗

价值互联网对银行网点意味着什么

这会导致数字鸿沟吗

银行网点在数字时代的作用

第七章 价值互联网中的数字银行

数字银行没有渠道

数字银行想法不同

你的开户行更像传统银行还是数字银行

僵化的传统银行

没有数字核心的银行将失败

银行业最大的挑战是领导能力

变成数字银行:进化还是革命

价值互联网就像酵母

第八章 价值互联网之后又是什么

生活的互联网

案例分析

比特币辩论

FinTech 新兴公司

新兴创业银行

慈善家

附录 最大的FinTech 独角兽公司

术语表


Book Abstract

过去几年里,FinTech 成为广泛使用的术语。为什么?我认为这是由于价值互联网有了重大发展。如上所述,价值互联网是以两项技术为基础的:手机——让每个人能够实时交换价值,数字货币——提供了一种用作交换的价值存储手段。正是因为这些技术的兴起,银行业和现在的FinTech 公司才如此专注于数字化领域。

FinTech 是整合了金融和技术的一个新市场。这一市场是传统金融过程(流动资金、供应链、支付过程、储蓄账户、人寿保险等)的合成,但它用新的基于技术的过程代替了那些传统的结构。

换句话说,FinTech 这一术语描述了一个新的行业。就有点像提到零售商时,我们认为亚马逊是一个零售商一样。它是一个零售商还是一个电子商务公司?还是两者兼顾?我认为它是一个数字服务供应商。但这主要是因为它履行了客户订单,并且通过亚马逊服务网络实现了云服务派送。也就是说,它根本就不是一个零售商,而是在全新市场里的一家公司。

同样的,FinTech 不是经济的研发部门,而是数字金融中新出现的一个市场。假以时日,它将代替传统金融市场。这是因为价值互联网正在建立,而价值互联网会代替旧世界里处理实体货币的实体银行。就像在我的前一本书《互联网银行》里讨论的那样,历史上,通过地方化的支行网络,银行处理文件的实体分送,而价值互联网则通过全球化的网络来处理数据的数字分送。数字网络代替了实体网络,FinTech 领域正在建立这个新系统。最终,这个新系统将成为我所说的价值互联网。

价值互联网,和FinTech 一样,是一个崭新的、朝气蓬勃的市场。它充满了青春和新鲜血液。它拒绝打领带,拒绝在银行上班的各种西装传统。它希望用技术撼动全球金融。我认为这个市场就是以FinTech 为基础的价值互联网。

比如,如果你考察FinTech 领域内的风险资本公司的投资情况,其中1/3 的投资是瞄准那些开展支付服务的公司的,其他则是瞄准P2P金融平台以及P2P出借方的。在过去几年里,这个投资环急剧扩大。尽管估计有所不同,下面这组有关FinTech 的投资资金的数据足以说明问题:2012 年,不到10 亿美元;2013 年,40 亿美元;2014 年,120 亿美元;2015 年,250 亿美元。这是一笔涌入这一新兴行业的巨大投资。因为这一行业正在建立第三代互联网—价值互联网。

这个新世界正用技术支持、代替旧世界的金融,或把它去中介化。它正在创建一个以技术为基础的21 世纪的金融世界。对我来说,这就是FinTech。

FinTech 用一个可以使用网络协议的数字核心建立起一个新的金融世界。它和数字银行手牵手,一起成为金融和银行业的新定义。

所以,价值互联网是一个新市场,FinTech 是21 世纪的金融。它是银行业的新形式。有些旧形式的平台会将自己改造成为这些新的数字FinTech 平台,而有些新平台会接管当前的旧市场。

结果就是,这些使用网络协议的金融公司包括以技术为核心的数字银行和数字保险公司,混合在一起,形成一个新市场。这就是我想致力实现的FinTech 世界。

……


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