2022年第一季度全球金融科技报告

GP.BullhoundQ1 2022Fintechsector updateFollowusor TokeoweyApple und other Big Tech are joinirg chulenger bunks to set newstondarcs in customer experience and disrupr the status quo torAPPLE CAUSES AsjuDq AooBe]STIR IN BANKINGBOARDROOMSKlarna is or a missian to become an alternative to Amazan, Googleond MetoTHE VIENQ1 FintechEXPENSEThe globol pandemic hos put the spotlght on how businssses cf allsizes manage tneir tinances ard torcec them to re thin< how theyperspectives fromMANAGEMENTAIDINGbudget and monage moneyGP BullhoundFINANCIAL.This desire for improved spend monogement hos provided anRESILIENCEopportunity for all-ir-one corporate expense plctfarms tc gainpromincnc oFINTECH SUPER- Mony finlch pluyers in Euroos urd the US re now rucing loAPPS AREreplicate the super-opp rrodel of WeChat and Alipoy in Chino.PUSHING FORADOPTIONOpen bcnking is the bockbone infrostructure enabling the creationseaes Douduy IID Joy sddp ,dos doys-suo, eseu JoGP.Bullhound TakeawaysALEADING TECHNOLCGY ADVISORY AND INVESTMENT EIM, PROVIDING TRANSACTION ADVICE AND CAPITALGpBullhound'srecentfintechacfivityhooyuottonova21grams*"ratepayACOUIRED SYACOU1Z8D BYISVSSTHEST STACGU:3 8TAR SEIAOSYMiTekAKKR>_ EARLYBIRDO unifiedpastInvestmentDetrouphtalBankingKlarna.w.menigamoneseJDLLPOnCEOl lendinvestZS LRINASRAN:IS IHSSISATACOUIRED BYs a2.5 LSSHISZASTSEQU0IA GUCA enova.@aTOACOphenomeniitmKlarna.InvestmentZutoRevolut lendinvestManagementI8VSSTREST SYAR LHEEISKAHTI3NSSTHST ST.R ISISLSRAHTPaSIR JRSSESEARTofMhACTCVGP.Bullhoundl Teke owoyGP BULLHOUND'S SECTOR TAKEAMAYSApplecausesastirinbankingboardroomsSelectnewsFrom Revolut to Apple - challenger banking is about to get real scaleadyen- Over tre pcst few years, chollenge: banks hove become household ncmes rnossing rniliors of users by selting new standordPAYARNTSDCFAIDITGBITOSDnfrcs lruclure, Over 27% of αdulls in Ihe UK opened α bcnk occounl with α digilcl online-only bnk in 2021 α rerncrkob eTIHATCIAS PRCDOCTSNTOSMKODBD,ump from 9% in 20 191cnks from Big Teclh intending to mcrry best-in c icss digital banking uscr experience writh instont sc ole- Apple already affers F2F paymenl, wallet app, a credit card and the abslily for merchants to cc.cep1 payment from anPhone. In early Morch 2022. Apple cuieily accuired UK credit bureau. Credit Kudos. which uses open baniking to deliverfinelyluned credil scores, for c rumoured 5150mC< CREDIT KUDOS*Breokout', that would see it do pcyments pro cessing. lo on risk cssessments, froud analysis. credit checks and customer servic ean its awn, recucing relicnce on outside partnenRAL DW: $ISUHRC-?• However, it's not ol plcin soiling for Big Te ch: in C ctober 2021. G oogle puled Ihe plvg on its mvch-anficipale d Plex che ckingaccoun1, while Meto-sponiored cryptocurrency, formerly know as Libra, appe ars ro be coming to an endamazonFintechs ready to fight back with Klana on a mission to be an alternative to Big TechBADCLAY8 AND ANS0N. <lcrnu's recenf ocquisilion of price compur son plalforrn, PriceRunner. for norih of c93Crn?, sehs il up for 1hewdown cs itSREVTCIDEC≥1to ts app. including procuc1 ciscovcry. procuct revtews and price comparson, Klang says this mcans It can ncwprovlde a more seamless shopping and banklng experience tor Its 147 milion customers worldwide- Mcry sugges Klarra's ocquisilion or PriceRunne: meons it becornes rnore Ike 'Coog le for shopping', bul Ihis isn'l the↑inte cih's firs1 run-in with G oogle: In the summer of 2021 Klarna launche d a new C omparison Shopping Sc rvice similar tcPriceRunnerGoogle x service, Klurna boosled (hol fhe service > new CSS fccililaled publicaliors of produc1 lia ling cxk For α small flalKlarna.monrhly tee, unllke Google's 20% cost-per-clic k s penclDZAL DATE: DZC-21IV: C.F18HGP.BullhoundSourc et: (1) Statto; (2) Stted Teake ow ylGP BULLHOUND'S SECTOR TAKEAMAYSExpensemanagementaidingfinancialresilienceSelectnewsTo automate or not to automate?yokoy- The globol pandemic hcs put thne spollight on how businesses of allsizes mcnage their finances cnd forced tnern to rethink howthey budget ond manage moncy. Thiks desire for improve d spend m anagement hes provided an opportunity for cll-in-oncSEQUOIAcorporale experse plolforms lo goin prominenceDRAL DETE: YAD-2*. Acvonced data onalyfics alow financ e teams to c oncenrate on octivities tha drive real ROl. rother thon corstantly repeatingVALTAT:CH:AISED:$OUN: +S00KPhilippe Sahll, Co fo under and CEO of Yokoy, an expense manegement plafform that menages expenses, invoicing and creditIcxsks that con be culomated, and tho1 are unsynced from cll other inlernol operctions, This problem hos been recognsed oyccrds. 5taling thal their *lcrge1 clienls lypic ally rely on 'silced' IT syslerrs thof cre isololed frorn other pcrls of Ihe business*. This is confirmed by recenf research thot incicafes. post pandemic. nearly three quorters of CFO: stil mcnualy oggregaterampzspending dota, foreccsth and scenarios affine, instead of hovirg asynced and centralsed dalacse, while only a qucr