北京金融科技产业联盟：原文翻译：英国金融科技产业调查报告.pdf

英国金融科技产业调查报告 Kalifa Review of UK Fintech 执行摘要 Executive Summary 在过去的十年中，英国在就业，创新，改善人们的生活 以及增加全球贸易机会方面悄悄经历了一场金融科技革命。 Over the past decade, the UK has been quietly undergoing a fintech revolution-in jobs,innovations,improvements to people ’s lives and in increased opportunities in global trade. 然而，对许多人来说，金融科技的形象停留在伦敦东部 的肖尔迪奇区(Shoreditch)，这里聚集着初创企业和咖啡 店，以迎合“硅谷环岛”(Silicon Roundabout)中被神话化 的年轻IT 企业家。 Yet for many, the image of fintech is stuck in Shoreditch, an area of East London populated by start-ups and coffee shops catering to the mythologised young laptop entrepreneurs of “Silicon Roundabout ”. 回顾他们的成就记录有助于展现真实情况，让我们快速 回到10 年前。 A look at the record of achievement helps project the true picture. Let ’s quickly scroll back 10 years. 那时候，开一个活期账户需要几天的时间。 现在你可 以利用监管科技解决方案和挑战者银行创新，在几分钟内更 加安全和可靠地完成开户。 Back then, it took days to open a current account. Now you can be onboarded in minutes, and more safely and securely, leveraging regtech solutions and challenger bank innovation. 那时，可供人们管理储蓄和养老金的选择很少，只能使 用纸质存折。现在有了更多的选择，养老金可以根据特定的 需求进行调整，可以很容易地合并，而且可以在网上直接操 作。 Back then, people had only a few options for managing their savings and pensions – using paper updates. Now there is more choice, pensions can be tailored to specific needs, easily amalgamated and they are online with immediate, accessible interfaces. 当时，如果你是一家寻求中小企业融资的新兴企业，市 场上的供应商选择有限，决策过程缓慢。现在，大量贷款机 构都有了数字渠道，希望利用机器学习和人工智能工具，并 就新的贷款或再融资机会提供即时决策。 Back then, if you were a new business seeking SME financing, there was limited choice of providers on the high street with slow decision-making processes. Now, there is digital access to a wide array of lenders looking to leverage machine learning and AI tools, and provide immediate decisions on a new loan or refinancing opportunities. 快进到今天，这些成就使英国成为全球金融科技产业发 展的温床，其历届政府和监管机构也因建立了一个将创新置