金融科技

墨尔本是澳大利亚的科技领军城市，本土和外国金融科技公司的数量正不断增加

根据第一太平戴维斯(Savills)的数据，墨尔本跻身全球最适合科技公司发展的22座城市，是澳大利亚唯一一个上榜的城市。维多利亚州的金融科技行业正在引领银行和支付、信贷和贷款、保险和财富管理领域的创新。以下三家维多利亚州的金融科技公司：空中云汇(Airwallex)、和Judo Bank、Afterpay Limited，都是世界百强金融科技创新企业。

老牌金融机构以及初创企业都热衷于推动创新。初创企业，尤其是独角兽企业是伟大的创新者，有助于提升当地的人才质量。墨尔本有330多家金融科技初创企业，截至2020年底，已经有5家本土金融科技独角兽企业的总部设在墨尔本，总市值超过300亿美元。

• 空中云汇(Airwallex)（跨境支付-成立于2015年，市场估值为12亿美元）
• Afterpay (先买后付- 成立于2014年，市值为318亿美元)
• Judo Capital (挑战者银行- 成立于2016年，市场估值为9.25亿美元)
• MYOB (商业在线会计软件，市场估值为13亿美元)
• PEXA（数字财产结算- 成立于2015年，市场估值为10亿美元）

紧随这些独角兽之后的还有一些规模企业，例如：Moula（2020年D轮融资1.6亿美元）、Prospa和Assembly Payments，它们在墨尔本都大获成功。

一些国际金融科技公司已经加入了我们繁荣的生态系统，其中包括高知特(Cognizant)、Slack、Square、TransferWise、Dataminr,、Stripe,、Revolut、GoCardless、Transfermate、Xero和Tradeplus24。

澳大利亚金融科技协会(Fintech Australia,)的总部也设在墨尔本。

Melbourne is home to five Australian fintech unicorns

Melbourne is home to more than 330 fintech start-ups, and five homegrown fintech unicorns headquartered in Melbourne, collectively valued at over US$30 billion and ranked among the world's top 100 fintech companies.

• Airwallex (cross border payments - founded 2015, est. valuation US$5.5 billion )
• Afterpay (buy now pay later - founded 2014, market cap. US$14.7 billion)
• Judo Capital (challenger bank - founded 2016, est. valuation US$1.9 billion)
• MYOB (business online accounting software est. valuation US$2.1 billion)
• PEXA (digital property settlement - founded 2015 est. valuation US$1.7 billion)

Airwallex was recognised across three categories, including ‘Fintech Organisation of the Year’ award, at the 2022 Asia FinTech Awards. AfterPay received the Global Market Presence award at the 2020 Finnie Awards, the national fintech awards run by Fintech Australia that is sponsored by the Victorian Government.

On the tail of these unicorns, scaleups such as Moula ($160 million Series D in 2020), Prospa and Assembly Payments are also making their mark from Melbourne. Other noteable startups experiencing rapid growth include  Zeller, FrankieOne and Verrency.

Australia punches above its weight globally for fintech

In 2019 alone the A$3.8 billion Australian fintech sector¹ saw 252 per cent growth in fintech investment.  With more than 40 per cent of consumers yet to become fintech adopters the market is predicted to grow further to $18 billion by 2030¹.

Here are some of Australia’s notable attributes:

• Fourth largest pool of managed funds in the world, valued at US$2.1 trillion in 2019²
• Number one in the world for contactless payments, with two in every three payments at point of sale now contactless
• One of the highest penetrations of smart phones in the world, at around 80 per cent³
• One of the fastest growing markets in the world for fintech 18adoption rates  (open to new products),
• A global leader in the Buy Now Pay Later (BNPL), with nearly two million (almost one in ten) Australians, or  used a BNPL product in 2019⁴
• A high cloud-based adoption rate, with 42 per cent of businesses using paid services⁵
• Tenth largest ecommerce market in the world by revenue, reaching $32 billion in 2019

Australia has regulatory settings that favour fintech adoption

• Australian Securities and Investments Commission’s (ASIC)’s Enhanced Regulatory Sandbox that allows fintech companies to test their services for up to 24 months without an Australian financial services licence or credit licence.)
• Open banking and customer data right legislation
• New payments platform that provides open access infrastructure for fast payments in Australia
• Established UK-Australia and Singapore-Australia fintech bridge to deepen collaboration between governments, regulators, and industry bodies; while also supporting improved access for Australian FinTech firms to the UK and Singapore markets

为什么选择在墨尔本开展您的金融科技业务？

The Victorian Government ‘gets’ financial services and understands the importance of building an ecosystem in which fintech businesses are nurtured and encouraged. 墨尔本集聚化的金融业为投资者提供了可观的边际利润，并为金融科技提供了变革和发展的空间。

Here are some of the reasons why you should consider Melbourne when setting up your fintech business.

墨尔本有一个庞大且先进的金融服务部门。

金融服务是维多利亚州最大的产业，为总体经济贡献了493亿澳元的增加值，占维多利亚州生产总值(GSP)的11%，并为13万人提供就业岗位。

总部设在墨尔本的金融服务机构包括：

• 澳大利亚四大国际银行中的两家银行，分别是澳大利亚国民银行(NAB)和澳新银行(ANZ)
• 澳大利亚最大的两家健康保险基金，分别是Medibank Private和BUPA Australia，占澳大利亚健康保险市场份额的50%以上
• 澳大利亚五大行业超级基金中的两只基金，分别是澳洲超级年金基金(AustralianSuper)和大学养老基金(UniSuper)，它们管理的资金总额为2730亿澳元
• 澳大利亚的主权财富基金未来基金 (Australian sovereign wealth fund)

这使得该市成为一个尖端金融科技初创企业发展和壮大业务的繁荣之地。

深度技能和人才

• 维多利亚州的金融科技人才库优于亚太地区内的其他司法管辖区。与新加坡和香港相比，维多利亚州拥有更多精通软件开发的专业人士。
• 维多利亚州是澳大利亚拥有最多编程语言专业技能人才的州。
• 维多利亚州的一些重点人才和关键技能涵盖众多领域，包括合规、监管、数据分析、工程、信息技术以及银行和金融。
• Victoria also had more engineering and related technology, and IT graduates in 2019 than any other region in Australia or Singapore.

金融科技创新中心、联合办公空间、加速器以及获得资本支持的机会

• 墨尔本有许多创新中心和联合办公空间，如YBF、Inspire9和Stone and Chalk。
• 维多利亚州以产业和研究为主导的加速器项目为当地金融科技初创企业提供支持，这些项目包括墨尔本加速器项目(Melbourne Accelerator Program)、Startupbootcamp和NAB Ventures。
• 维多利亚州的金融科技公司在关键的融资轮中占主导地位， 占2018至2019年澳大利亚初创企业20亿澳元融资总额中的近80%。

Perfectly situated for 24 hour product development

• Melbourne's time zone bridges the US and European markets, allowing for 24 hour product development.

强大的政府决心与支持

维多利亚州政府：

• 资助墨尔本达克兰中央商务区的创新中心，聚集了诸多企业、研究机构和行业协会。
• 在克雷莫恩新建了一个数字中心，这是一个世界一流的设施，旨在提高维多利亚州科技行业从业人员的技能，培育初创企业，并推动研发合作。
• 建立了广泛的资助计划和援助方案，支持初创企业的成长。
• 资助创业机构LaunchVic(LaunchVic)，该机构在培训、预加速器项目和商业指导等方面，为创业生态系统的发展发挥了重要作用。
• 赞助全国金融科技奖项-芬妮奖(Finnies)，以及澳大利亚金融技术年会-Intersekt。

Australian fintech series - presented by Invest Victoria

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