FishTalk飞仕创坛｜220408 金融科技之夜

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220408金融科技之夜

金融科技的出现让我们看到了

更快的资源响应和更高效的运维体系

随着新兴技术的发展与应用，科技对于金融的作用正在不断被强化。金融科技已逐渐成为今日行业发展的关键性技术驱动。

With the development and application of emerging technologies, the role of technology for finance is constantly being enhanced. Fintech has gradually become a key technology driver for the development of the industry today.

降低成本、减少一次性投入、让金融客户可以按需获得自己的资源，金融科技的出现让我们看到了更快的资源响应和更高效的运维体系。在4月8日的Fintech pitch night中，我们总结了7家有趣、有潜力的创业项目。让我们来一同观看他们的精彩路演内容。

Reducing costs, cutting one-off investments and giving financial customers access to their own resources on demand, the emergence of Fintech has allowed us to see faster resource response and more efficient systems. At the Fintech pitch night on 8 April, we rounded up 7 interesting and promising startups. Let's watch their exciting roadshow content together.

BASIQ

真正的开放金融平台

开放金融是目前银行业务的关键性一步;它代表着在目前和潜在消费者身上获得财务状况报表的机会。Basiq是一个API平台，通过为澳大利亚一些开创性的金融科技公司提供财务数据，并利用API来构建创新的金融解决方案。

Open Finance is the critical next step up from Open Banking; it represents an opportunity to obtain a statement of financial position from current and future consumers.Basiq, the API platform powering some of Australia’s most innovative fintechs with access to financial data.

优点：BASIQ平台通过提供用于访问多个数据源的单一接入点，帮助用户获得更全面的最终人群肖像视图，从而最大限度地降低复杂性。该平台还可以通过 Web 捕获访问尚未加入 Open Banking 的金融机构的数据。

Advantages：The Basiq 3.0 platform helps deliver a more complete picture of end-users, minimising complexity by providing a single access point for access to multiple data sources. The platform can also access data through web capture for financial institutions that are not yet part of Open Banking.

Fundable

创业友好型的融资解决方案

对于大多数初创公司来说，为了扩大自身的业务规模，创始人会选择短期且昂贵的外包方式进行业务拓展，而这也会严重稀释公司的资产。Fundable会根据初创公司的详细信息和财务状况进行评估和提供资金。

To many founders are taking on restrictive debt or heavily diluting in order to scale its business.Fundable is founder friendly funding solution with no dilution for businesses with subscription revenue. Fundable assesses  your subscription revenue.

优点：Fundable可以帮助初创企业选择合适的资金管理计划，防止资金链断裂。

Advantages：Extend cash runway and manage cash bottlenecks,Increase resourcingto scale product development.

My Bond

一周租金服务

大约有32%的澳大利亚人目前正在享受着租房的生活。不幸的是，许多租户在换租的时候很难支付起租金。MyBond将为客户支付一周的租金保证金，使租户在租赁周期内的生活更轻松。

About 32% of Australians live in rental accommodation.Unfortunately, many tenants struggle to pay the rental bond when they move from one rental property to another.MyBond will pay for your rental bond for a fee of one week’s rent.

优点：当租客从原来的出租房屋搬出后，对于新房租来说保证金是有压力的。MyBond可以帮助租客以低至150美元的价格填补空白。

Advantages：It’s stressful waiting for a refund of thousands of dollars of rental bond from their previous rental home. MyBond can fill the gap for as little as $150.

Subundl

个性化订阅服务

Subundl的诞生源于对订阅管理和计费软件的局限性，这些软件限制了可以为客户提供的内容。Subundl为客户提供自己想要的产品以及收到产品的频率，并可以选择以他们喜欢的方式进行一体化定制订阅。

Subundl was born from frustration with the subscriptions management and billing software on offer that constrains what can be offered to customers. Retailers can offer their customers full control over the products they want, how often they receive them, with the option to pay at the frequency they prefer. An all in one tailored subscription.

优点：客户可以选择要自己喜欢的产品并为每个产品设置频率，灵活且可定制。

Advantages：Customers pick products to bundle & set the frequency for each product.Flexible & tailorable.

Readily

及时退货服务

网购退货是一个非常痛苦的经历，大多数退款需要十多天才能到达自己的银行帐户。Readily可以帮助用户退货并立即退款给到用户，帮助用户做到无压力购物。

It's just a very painful experience for everybody.Most refunds take over ten days to arrive in your bank account.Don’t stand at the post office for hours & then wait weeks for your refund! We’ll pick up your return and refund you instantly.

优点：将退货的过程更加精简，客户可以选择即时换货或即时退款。

Advantages：The process is streamlined，and users can choose between an instant exchange or an instant refund.

Pounce Pay

礼品卡增值业务

Pounce Pay是一个礼品卡的增值市场，具有礼品卡的内置折扣。当你使用商家的礼品卡进行消费过后，随着时间的推移，这张礼品卡会额外的增添一些附加价值。这些额外价值由商家提供并决定，以及何时提供。

Pounce Pay is a marketplace where you can acquire gift cards from SMEs that increase in value over time.The merchant determines the additional value to be provided, and when.

优点：在市场端，商家获得了免费的营销，同时也是一种低成本获得新客户的方式。在客户端，82%的消费者表明喜欢这种结算方式。

Advantages：Merchants get free marketing, because if we don't sell any vouchers, don't have to pay anything.It's a low cost way of acquiring new customers.82% of consumers surveyed said they would definitely use Pounce Pay gift cards.

Abel

小白友好型理财平台

对于普通人来说，个人理财是一个很复杂且头痛的问题，花高价买理财课程可能又不适用于自身。Abel这款在线平台可以为用户提供所有关键财务的类别资源。用户可以按照自己的节奏、水平和需求来自我学习，增进对个人理财的理解。

Abel provides resources for you in all your key financial categories. You will learn and grow your understanding at your own pace, your level, and needs. Abel has tips from the Abel Community, with shared real world learning and experiences to empower you to make the positive steps with your money.

优势：Abel为用户提供来自Abel财经社区的各类资源，分享各种理财的学习和经验，提供实用和有针对性的教学。当您准备做出理财这一决定时，可以有一个选择和参考。这将改变我们处理个人财务的方式，而Able将引领这一潮流。

Advantages：Abel has practical and directed education for you, and when you are ready to move forward with a financial decision there are options available. You can finally see where you are with your money and then fill the gaps where needed. Easy.

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