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Varo Money公司的标志
移动和电信|移动软件和服务/资产和财务管理与交易
varomoney.com

看看CB Insi亚博破解版无限钻石ghts能提供什么


成立一年

2015年

阶段

系列D - II |活

总了

481.33美元

最后提出了

63美元 |5莫斯前

关于Varo钱

Varo Money为客户提供工具,以培养积极的消费、借贷和储蓄习惯,并实现更好的财务结果。它通过移动应用提供借记卡、存款和贷款产品,并将建立一个全天候的数字金融教练,提供前瞻性的见解、支出分析和实时预算。

Varo钱总部的位置

科尔尼街222号9楼

旧金山,加州,94108年,

美国

877-377-8276

最新的Varo钱新闻

银行即服务(BaaS)授权任何品牌提供金融服务

2021年5月17日

外部|这是什么意思?此内容由外部作者提供,而无需通过Finextra编辑。它表达了作者的意见和意见。银行服务(BAAS)EMPWOWERS任何品牌提供金融服务14月14日2021年5月嵌入式财务开启了新的机会,但安全的数据交换是必不可少的数字银行业务不是新的 - 主要银行开始在中间提供网上银行服务20世纪90年代。然而,传统的银行业正面临着迅速消费的预期,不断变化的法规和越来越多的数字原住民破坏者的竞争。Younger Gen Z customers are more apt to use alternative transaction methods such as mobile wallets or P2P payments (e.g., PayPal or the Dutch payment appTikkie), and businesses are beginning to favor real-time digital payments to improve efficiency, reduce cost and better manage their cash flow. Moreover the ongoing global health crisis is accelerating the movement toward real-time contactless digital payments . Fifty-six countries are now live with real-time payments, and six countries more than doubled their volume of real-time payments in the past year. [i] Due to a joint implementation of the major banks led by the Dutch Payments Association (Betaalvereniging Nederland), the Netherlands is a European leader in terms of the adoption of real-time payments. [ii] In the midst of this fast-changing landscape, new business models are arising as digital-natives, FinTechs and incumbent banks partner to offer new banking and payment services in the cloud. One example is Dutch Cobase – a subsidiary of ING Group that bundles business accounts – which recently signed a cooperation agreement with the Nordic bank Nordea and the French Crédit Agricole. Amsterdam-based banking platform Five Degrees supplies its technology to banks such as ABN Amro, Van Lanschot and Knab, among others. Collaboration like this is spurring further innovation as these digital ecosystems expand, attracting new participants. But successfully delivering these new digital services requires the direct and secure, low-latency, reliable exchange of data between partners that interconnection can provide. BaaS needs FinTechs AND banks FinTechs born in the cloud have the IT infrastructure, skills and agility to deliver digital banking and payment services on-demand. They can also offer these BaaS capabilities to any brand who wants to embed financial services in their customer experience. Sometimes referred to as “embedded finance,” BaaS enables businesses to create new products and services along the customer journey as the diagram below illustrates. However, FinTechs typically lack the assets and regulatory license to fulfill financial transactions, and that’s where banks come in. To ensure that deposits and money transfers stay safe, banks are heavily regulated and often insured up to a certain dollar amount for each depositor. This combined with a longer history with customers means that banks have an advantage when it comes to perceptions of how safe and secure a financial transaction will be. As a result, there are a few collaboration paths that FinTechs and banks generally pursue to bring BaaS services to the market: The FinTech buys a bank that already has a license such as Jiko purchasing Mid Central National Bank in the U.S. or Raisin GmbH buying MHG-Bank AG in Germany. The FinTech partners with a bank to borrow their license such as Chime partnering with Stride Bank, N.A. and The Bancorp Bank. The FinTech acquires its own license (a lengthy process that could take up to three years) such as Railsbank in the U.K. or Varo Money in the U.S. The bank partners with a FinTech to launch BaaS services such as Deutsche Bank partnering with Traxpay to integrate supply chain financing technologies and solutions within its own offerings. Regulations are shaping the partnering model The regulatory environment may also impact the partnering model. For example, open banking laws in the European Union and the U.K. require banks to open APIs to third-party developers, making it easier for FinTechs to gain access to bank data. Regulations like these are helping to reduce uncertainty for startups and accelerate innovation in the European banking system. Challenger banks such as U.K.-based Revolut have also benefitted from special licenses that allow them to directly accept deposits, process payments or lend. In the U.S., the Durbin Amendment is accelerating partnerships between small-medium banks and FinTechs in a different way. The Amendment, which has been in effect since 2011, aimed to lower prices for consumers by reducing the fees that retail stores pay to banks when customers use debit cards. In reality, banks just responded by increasing the fees that consumers pay to make up the lost revenue. However, the Durbin Amendment exempts financial institutions with less than $10 billion, making them ideal partnering candidates for FinTechs. How BaaS actually works The diagram below illustrates a hybrid digital architecture for BaaS with a mix of on-premises, colocation and public/private cloud elements. In this example, the bank is the license holder partnering with the FinTech BaaS provider to deliver embedded financial services to a Brand (such as a retailer or transportation business). The bank has also partnered with other FinTechs for real-time and cross-border payments, although it handles any card transactions in-house. Interconnection will be critical for ensuring secure, low latency data flows between the partners and digital infrastructure across the regions where the BaaS is offered. Partnerships like these are steadily growing into ecosystems of digital exchange around financial services that include clouds, networks, banks, FinTechs, payment rails, fraud detection and other service providers. By placing their digital infrastructure close to these ecosystems, leveraging an interconnection approach, banks and FinTechs alike can maximize their competitive advantage. Interconnection provides a more scalable, reliable, secure approach to moving data between members of the value chain than the public internet. With an interconnection strategy, banks and FinTechs can deploy a digital core, extend across edge locations and enhance their capabilities through digital exchange to create new BaaS markets for any brand. And, on Platform Equinix®, you can interconnect physically and virtually to digital ecosystems of more than 1,800 networks, 2,900+ cloud and IT service providers and 1,250+ financial services companies across 63 metros. To learn more about how BaaS will transform the banking landscape and enable innovative banking and payments services to be launched rapidly, watch the Nimbus Ninety webinar “ Future Focus of Banking-as-a-Service.” [i] Fidelity Information Services (FIS), Flavors of Fast 2020: The global real-time payment trends transforming money movement, press-release and report , Oct 2020.

预测你的下一个投资

CB I亚博破解版无限钻石nsights技术市场情报平台分析了数以百万计的数据点,包括风险投资、初创企业、专利、合作关系和新闻报道,帮助你看到明天的机会,今天。

研究包含Varo Money

从CB Insights Intelligence Unit获取数据驱动的专家分析亚博破解版无限钻石。

亚博破解版无限钻石CB Insights Intelligence Analysts提到了Varo Money4 亚博破解版无限钻石CB见解研究简介,最近在2021年4月28日

专家收藏包含Varo钱

专家集合是分析人员策划的列表,它突出了在最重要的技术领域中您需要了解的公司。

Varo Money包括在内6专家集合,包括银行

B

银行

554件

W

财富科技

991项

这是一种数字化和简化财富管理交付的金融技术。包括:为散户投资者和顾问提供主动和被动财富管理技术支持工具的初创公司。

P

支付

1483件

这个集合中的公司和初创公司使消费者、企业和政府能够在网上和实体销售点相互支付。

F

金融健康

245件

跟踪初创公司,获取公司信息和工作流程。

F

Fintech

6974件

总部位于美国的公司

F

Fintech 250 (2020)

250项

250名顶级Fintech公司改变金融服务

Varo钱网络流量

排名
每个用户的页面浏览量(PVPU)
每百万页浏览量(PVPM)
每百万转速(RPM)
CBI的标志

Varo钱排名

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