中程

2022年12月28日

在2022年结束之际，《金融科技期货》回顾了今年的一些顶级金融科技合作伙伴。个体组织和企业携手合作可以取得更大成就。今年涌现了许多金融科技合作伙伴，它们寻求解决问题、创新并为全球消费者提供价值。以下是2022年五大金融科技合作伙伴。英国和新加坡已同意深化在金融科技领域的合作，加强金融合作，签署谅解备忘录(MoU)，建立“金融科技桥梁”，以消除两国间金融科技贸易的监管障碍。该谅解备忘录是在新加坡举行的第七届金融对话期间签署的，以2016年签署的监管合作协议为基础，该协议使两国在监管层面保持密切联系。该谅解备忘录将有助于两国监管机构和企业之间保持定期对话，促进各自金融科技领域的增长和投资机会。可持续金融和向净零、数字银行和电子钱包、创新、支付、监管科技、绿色清洗、加密和数字资产以及财富管理的转变都将成为特别关注的焦点，因为两国重申了深化2021年达成的英国-新加坡金融伙伴关系的承诺。美国银行业的一些重量级人物与纽约联邦储备银行合作，为受监管的数字资产结算平台推出了概念证明(PoC)。包括纽约梅隆银行(BNY Mellon)、花旗(Citi)和富国银行(Wells Fargo)在内的私营部门金融机构正寻求探索一种可互操作的数字货币平台的可行性，这种平台被称为监管责任网络(RLN)，由分布式账本技术(DLT)提供支持。 The 12-week PoC will operate in US dollars, with commercial banks issuing tokens representing customer deposits and settling through simulated central bank reserves on a shared distributed ledger. The aim is to see if such technologies could improve financial settlements. SETL partners Swift for common tokenisation framework pilot Enterprise distributed ledger technology (DLT) and blockchain firm SETL has successfully piloted a common framework for Swift that links tokenisation systems between central securities depositories (CSDs) and global custodians. Swift, SETL, Deutsche Börse-owned Clearstream, Northern Trust and other parties from the tokenised and traditional asset ecosystem explored the issuance, delivery versus payment (DVP) and redemption processes needed to support a frictionless tokenised asset market. The experiments, which utilised SETL’s PORTL, a permissioned toolset for financial institutions to build applications that interoperate between existing infrastructures and a range of enterprise ledger technologies, leveraged existing forms of payments and central bank digital currencies (CBDCs). BNP Paribas partners fintechs to develop digital asset custody offering BNP Paribas Securities Services has partnered with fintechs Fireblocks and Metaco to develop its new digital asset custody offering. The new combined solution will allow clients to issue, transfer and securely keep regulated digital assets. BNP Paribas Securities Services head of digital assets Wayne Hughes says the partnerships “will allow us to extend our custody offering to a wider scope of regulated digital assets as the market evolves”. The banking multinational has selected Fireblocks for its hot wallet, tokenisation and connectivity infrastructure layer, while Metaco will integrate its digital asset custody and orchestration platform into the bank’s existing infrastructure. Planto partners Cogo for new software Hong Kong-based banking solutions provider Planto has partnered with New Zealand’s carbon footprint tracking firm Cogo to develop banking software that encourages sustainability, according to South China Morning Post. The software, developed jointly by the firms, will enable consumers and small businesses to view their daily carbon footprint linked to their spends and operations, while providing suggestions on how to cut down their emissions. “Planto and Cogo have partnered to create awareness about sustainability through partnerships with banks in Hong Kong,” Planto says. “With one of the highest banking penetration rates in Asia, Hong Kong banks stand to play a crucial role in promoting sustainability and green initiatives to consumers,” it adds.