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기업 금융에서의 핀테크(Fintech) : 필수로 여겨지는 디지털화

Fintech in Corporate Banking: Digitize or Miss the Boat

리서치사 Mercator Advisory Group, Inc.
발행일 2019년 02월 상품 코드 783070
페이지 정보 영문 16 Pages and 5 Exhibits
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US $ 2,950 ₩ 3,382,000 PDF by E-mail (Single User License)


기업 금융에서의 핀테크(Fintech) : 필수로 여겨지는 디지털화 Fintech in Corporate Banking: Digitize or Miss the Boat
발행일 : 2019년 02월 페이지 정보 : 영문 16 Pages and 5 Exhibits

은행은 기업 고객을 유지하고 향후 경쟁에서 이기기 위해서 디지털 인프라 정비를 최우선사항으로 할 필요성을 느끼고 있습니다.

기업 금융 부문 핀테크(Fintech) 동향을 조사했으며, 자금 유형·지역별 투자 동향, 소비자 부문에서 기업 부문으로의 핀테크 투자 이동 동향, 기업 부문용 핀테크 투자 확대 영향요인 등을 정리했습니다.

조사 하이라이트

  • 세계의 핀테크(Fintech) 투자 상세 리뷰 : 자금 유형 및 지역별
  • 기존 소비자와 중소규모 사업자에서 기업 고객으로의 핀테크(Fintech) 투자 이동
  • 금융기관의 초기 단계 투자 동향과 기업 금융 및 결제 성공요인의 조화
  • 기계학습 및 인공지능(AI) 스타트업 기업에 대한 광범위한 자금 투입을 이끄는 영향요인과 기업 금융에 대한 장단기적 영향
  • TechFin 환경과 금융기관의 관성에 관련된 위험
LSH 19.02.25

Banks need to prioritize digital infrastructure to retain corporate clients and compete in coming years.

Mercator Advisory Group reports that the financial institutions and their corporate clients had best quickly adapt to a digital environment or risk a competitive gap.

Financial technology is nothing new, since the financial services industry is all about providing services that ensure the safety and liquidity of assets for individuals and for businesses of all sizes. Numerous firms have for decades been expertly partnering with financial institutions in supporting the movement, investment, and safeguarding of money.

The more current perception of “fintech” is underpinned by the rapid change in the types of readily available technology along with the pace of these advances. Such capabilities continue to drive numerous investments in the space, as participants make bets on how the industry will look in 10 years and how best to get there.

In a new research report, “Fintech in Corporate Banking: Digitize or Miss the Boat”, Mercator Advisory Group reviews how these unprecedented technology capabilities are now shifting more toward use cases for the corporate banking space.

“In a similar fashion to the migration of fintech capital investment from Silicon Valley to more global funding participation, the opportunities and funding patterns are also changing from primarily consumer apps and small business lending to more corporate and investment banking types of business models” commented Steve Murphy, Director of Mercator Advisory Group's Commercial and Enterprise Payments Advisory Service, author of the report. “Investors' initial attraction to consumer products was logical given that the revenue recognition cycle is shorter for consumer products than for corporate solutions, which are usually more complicated. The shift is a occurring as both developers and liquidity providers more clearly understand the more complicated corporate use cases.”

The document is 16 pages long and contains 5 exhibits.

Companies mentioned in this report include: AccessFintech, ACI, Adyen, Alphabet, Amazon, AvidXchange, Ayasdi, CGI, Citi, Clarity Money, Envestnet, Feedzai, FICO, Finastra, First Data, Fiserv, Goldman Sachs, HSBC, Infor, Intel, iZettle, Jack Henry, J.P. Morgan Chase, Kofax, Microsoft, Optimizely, PayPal, Pegasystems, Pelican, Salesforce, Santander, Silicon Valley Bank, Temenos, Tradeshift, TSYS, and Zafin.

Highlights of the report include:

  • Detailed review of global fintech investment by funding type and region
  • Discussion of the shift occurring between corporate fintech application investment and traditional consumer/SME use cases
  • Analysis of the early-stage investment trends by financial institutions and how these align with corporate banking and payments success factors
  • Review of the factors leading to extensive funding for machine learning and AI start-ups and how these will impact corporate banking both near and long term
  • Discussion of the overall ”techfin” landscape and risks associated with inertia amongst financial institutions
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