2022年3月14日,

他們可能小,每個人口少於600萬人,但各國在挪威等北歐地區,丹麥和芬蘭是全球領導人在創新,與一些世界上最先進的銀行基礎設施。銀行在該地區發揮了主導作用在這個技術發展,大量投資在過去的幾十年裏在現代清算和結算係統,以及各種活動因此等項由銀行業支持移動錢包、數碼銀行id和支付基礎設施。從那時起,堅實的基礎設施和支付rails FinTech月球這樣的公司更容易規模迅速在該地區。“當我們推出業務早在2015年,北歐國家已經有90% +移動銀行采用率,[這給了我們一個優勢]其他挑戰者要住在歐洲其他地區的銀行,”肯•克勞森Villum公司的創始人兼首席執行官,在最近的一次采訪中告訴PYMNTS。今天,丹麥FinTech公司已經發展成為一個地區性的重量級擁有超過500000客戶在丹麥、瑞典和挪威,最近一輪7600萬美元(€7000萬),使其總係列D到3.06億美元(€2.8億)。雖然斯堪的納維亞公司銀行執照,提供存款和賬戶,已經能夠成為挑戰者銀行在丹麥——當大多數消費者已經使用電子銀行服務提供的主要地方移動支付服務提供商,MobilePay -克勞森說,他們有更大的野心超出銀行服務。“我們真的不確定自己作為一家銀行,”他說。“我們看到自己建造更多的參與平台所有的錢,一個平台,你可以開展你的業務的所有方麵,是否儲蓄或賬戶,或支付或利用加密空間,或股票交易甚至(B2B)支付。“去年10月,該公司收購了支付平台Paylike允許月球的商業客戶收到電子商務直接支付,啟動一鍵結帳對企業家及其電子商務小到中型企業(中小企業)。自那時以來,丹麥50%的新建企業申請月球賬戶,根據克勞森——表明企業和客戶之間的解決方案的日益流行。“這是一個優勢的一個較小的領域,我們可以雙方尺度(B2C和B2B)然後我們可以連接兩個有益的美國郵政總局(獨特的賣點)兩岸的表。 That’s really the long-term plan for the Lunar flywheel,” Klausen added. Crypto, Competing With Incumbents As part of its expansion plans, the Danish firm recently launched a cryptocurrency platform to tap into the growing popularity of digital currency among consumers in the region. “If we go to the app stores, iOS and Android, and look at the most popular apps in the finance category, a lot of those apps are crypto platforms from outside the Nordics, [and] people living [there] are tapping into those platforms because they want to get into crypto,” Klausen noted. However, despite cryptocurrency becoming more and more mainstream across the region, Nordic banks do not allow customers to transfer proceeds from crypto platforms into their banking accounts, given the lack of transparency and clarity surrounding the origin of funds and tax payments. It’s the reason why Klausen said they’ve built a platform within the Lunar app where users can buy, hold and sell cryptocurrencies, giving Lunar full control of know your customer (KYC) checks and transaction monitoring as users’ funds are floating in and out of the crypto platform. “In many ways, it’s a great example of Lunar being at the intersection of the old world of finance and the new world [and] solving a massive problem for users, and that is to invest in crypto if you have the appetite for it, but also being able to swap money back to fiat or just use them on your card,” he explained. Moving forward, Klausen said they feel they’ve just scratched the surface given the “massive opportunities” in payments, investment banking and cryptocurrency across the region, including in Finland, which is why they’ll be focusing on regional expansion for now before considering opportunities beyond the Nordics. And with incumbents constantly dominating the banking space in the region, Lunar will have to up its game to compete effectively. “If we look at it on a long-term perspective, I believe that we are competing in probably the most fiercest financial services landscape in the world, where the incumbents are really doing a great job, [and] that means that Lunar needs to be above everybody else to compete with those incumbent [banks],” Klausen said. Sign up here for daily updates on all of PYMNTS’ Europe, Middle East and Africa (EMEA) coverage. ——————————