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New technologies, e.g. big data, cloud-computing, artificial intelligence and blockchain, have profound impacts on the financial sector as it experiences innovations and changes, and underpin financial institutions’ core competitive edges. FinTech firms may be winning the race with banks in the field of financial services, said Alex Medana, board member of the FinTech Association of Hong Kong, in a recent interview with China Fortune Media.
大数据、云计算、人工智能、区块链，这些新兴技术正深刻地影响着金融领域的创新和变革，对技术的角逐也成为金融机构提升核心竞争力的关键。近日，香港金融科技协会董事亚历克斯·麦唐纳在接受采访时表示，在金融服务领域的竞争中，与传统银行相比，金融科技企业或将占据上风。
With the boom of internet finance in 2013, the adjective “traditional” had been used with banks to mark their distinction from the emerging players. These traditional banks are now being left behind by FinTech businesses that use artificial intelligence and big data to better profile the clients, Medana said. The synergy of these technologies allows FinTech players multiple data points to fully understand and address their behaviors and emotions.
自从2013年互联网金融行业火爆以来，银行的前面便被大家冠以“传统”二字以示区分。麦唐纳认为，相比传统银行，金融科技企业利用了人工智能和大数据，能更好地了解客户。在结合两种技术的基础上，金融科技企业可以通过多重数据点充分了解客户的行为和情感，并做出应对。
Medana breaks down FinTech players into two groups --- the well-established financial technology giants such as Microsoft and IBM and the emerging startups that offer FinTech solutions. The latter, with their strong abilities to create, feel and test, are now “enablers” and have an important role to play alongside regulators and banks.
在麦唐纳看来，金融科技企业分为两类——一类是以微软和IBM为代表的知名金融科技巨头，另一类是提供金融科技解决方案的新兴创业公司。这些创业公司凭借其强大的创造、感知和测试能力，扮演着“赋能者”的作用，在与监管机构和银行的合作中发挥着重要作用。
The business operations of traditional banks hinged on their offline presence that often lacks sufficient coverage, e.g. the top four state-owned banks and the postal savings bank all boast over 10 thousand branches across China. Under such a pyramid structure, those high at the upper ends come up with products that mostly fail to scratch users’ pain spots. Worse still, in the close sight of regulators, sometimes they secure compliance at the expense of user experience.
传统银行的业务模式，需要借助线下的力量，而再厉害的网点，其辐射范围也有限。中国四大国有银行和邮储银行的分支机构都超过1万家。在金字塔式的组织架构下，总行距离用户通常比较远，产品设计往往难以触碰到用户痛点，更可能因为距离监管比较近，有时候会为了合规而牺牲用户体验。
The traditional financial institutions must adopt the internet thinking, Medana said, believing that if banks remain indifferent or even resistant to the new technologies, they will face disruptions from the FinTech startups in the next five years. “Technologies, if adopted at a large scale, are cost-effective and convenient, as witnessed with Baidu, Alibaba and Tencent, or BAT,” Medana pointed out.
麦唐纳表示，传统金融机构一定要有互联网思维，如果银行对新技术采取无视甚至抗拒的态度，未来五年会面临这些初创企业带来的“搅局”。“技术如果能得到大规模应用，既能降低成本，也能带来便利，百度、阿里巴巴和腾讯就是例证，”他说。
“Banks that set about building their own FinTech entities should start from scratch instead of building on their legacy systems,” he believed, citing his experience in financial markets. FinTech built on top of existing legacies are liable to create unintended and suboptimal consequences, which may negatively impact the clients.
基于他在金融市场上的经验，麦唐纳认为：“银行在打造自己的金融科技机构时，应从零开始，不要依托于旧的体系。”建立在旧有体系之上的金融科技，容易产生意料之外的、不理想的结果，并辐射到客户。
FinTech startups, on the other hand, feature much lower costs and faster deployment and are free from the old architectures. Even now, for most banks, it is too late to start picking up related technologies because they are already experiencing a shrinking customer base without even being aware of it, he said. They must realize that they need to have partners because they can’t be good at everything.
相较而言，初创企业成本更低，布局更快，且不受现有架构的羁绊。麦唐纳谈到，目前对多数银行来说，开始涉足相关技术已经不早了，它们的客户正在悄悄流失。银行必须意识到，自己并非样样皆通，也需要合作伙伴。
Speaking on the development of FinTech in China, Medana told this journalist that China has the advantage of scale that allows broad-based tests among millions of users. The large amount of data generated enables faster learning and progress in China compared to other countries.
谈到中国金融科技的发展时，麦唐纳对记者表示，中国有着巨大的规模优势，可以在数以百万计的用户群中进行大范围测试。凭借由此产生的大量数据，中国在相关领域的学习和成长速度已经超过了其他国家。
作者：尹磊
配音：张超
音频剪辑：张维嘉
新媒体编辑：熊烨
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