2020年1月13日

回顾Fintech发展2019年在迪拜和阿布扎比阿拉伯联合酋长国(UAE)是最大的Fintech中心在中东和北非地区(MENA),超过46%的所有Fintech公司在该地区,和吸引Fintech投资在2019年的大部分时间里,根据2019年的中东和北非地区Fintech阿布扎比全球市场风险报告(ADGM)和Magnitt。截至2019年10月,阿联酋占将近一半(47%)的fintech交易,超过一半(69%)的fintech资金在该地区。四的五大部分资金雄厚fintech公司在中东和北非地区是建立在阿联酋。这些都是网络国际(3000万美元),在中东tech-enabled支付解决方案的提供者;Aqeed(1800万美元),一个insurtech启动;Yallacompare(1720万美元),一个金融比较平台;和蜂窝(1550万美元),点对点(P2P)贷款平台。在2019年上半年,迪拜国际金融中心(DIFC),经济特区在迪拜,其fintech行业数量翻番至200多家公司,其中80%被完全授权fintech公司。迪拜国际金融中心从Fintech Fintech蜂巢加速器项目收到了425份申请,regtech和伊斯兰Fintech第三批创业加速器项目,从2018年计划增加42%。Fintech-related计划从政府阿联酋fintech快速增长的行业,特别是在迪拜和阿布扎比,推动了许多计划由政府培育国内市场。 These include the establishment of funds such as Abu Dhabi Catalyst Partners, the Abu Dhabi Investment Office, and the DIFC, as well as the presence of some of the region’s top fintech accelerators like the DIFC Fintech Hive, and Plug and Play ADGM. Since 2016, UAE governments have been launching fintech-related policies to encourage the development of the industry, including several regulatory sandboxes and a special Innovation Testing License for fintech firms. In 2019, ADGM launched the so-called Digital Sandbox, a cloud-based environment for fintechs, banks and others to co-create and test products with regulators’ guidance aimed at facilitating and encouraging the development of fintechs. The year also saw the launch of a US$100 million fintech fund by the DIFC, and the introduction of several new rules, including a regulatory framework for digital investment managers, or robo-advisors, by the ADGM. In July, the Dubai Chamber of Commerce launched a working group in cooperation with Smart Dubai, Dubai Technology Entrepreneur Campus, and a leading UAE bank, to develop and launch new digital solutions, including a “one-stop shop solution powered by blockchain technology” that would enable startups and small and medium-sized enterprises (SMEs) to apply for a business license and open a bank account. And most recently, the Central Bank of UAE announced that it will be setting up a fintech office to develop countrywide fintech regulations. Fintech collaborations 2019 also saw the establishment of several fintech collaborations. Among the most notable ones is the partnership between the Central Bank of UAE and the Saudi Arabian Monetary Authority to develop a common digital currency powered by distributed ledger technology for use in cross-border financial settlements between Saudi Arabia and the UAE. At the UAE-China Economic Forum in July, representatives from both countries signed 16 agreements covering the economy, trade, investment, technology, artificial intelligence, culture, education, environment, and food security. And in June, the MENA Fintech Association was launched to foster an open dialogue for the MENA fintech community. At launch, the organization had established 46 country bridges globally.