借鉴硅谷经验，华尔街推进金融科技创新

尽管市面上已经有大量的移动应用程序帮美国人管理预算，但如果有人带着“满满一鞋盒文件”去申请抵押贷款还是正常现象。上周四《财富》杂志在纽约蒙托克举办的首届头脑风暴金融活动上，金融科技初创公司Plaid的首席执行官扎克·佩雷特如是说道。

Plaid之类的硅谷初创公司有望提供新解决方案，解决金融领域过时的操作，不过一些在全球规模更大更传统的银行也在努力创新金融服务。与佩雷特同台出席会议的还有几位华尔街代表： 摩根士丹利的董事总经理兼业务转型主管西格尔·扎米，以及高盛旗下消费者在线银行Marcus的产品主管亚当·戴尔。

戴尔表示：“我真心相信，高盛在推动该行业进步方面具有独特的地位，就像亚马逊革新零售业、Uber革新交通出行、苹果革新音乐行业一样。”去年Marcus收购了利用人工智能和机器学习创建个性化金融工具的应用Clarity Money，便是推进的具体举措之一。

与此同时，摩根士丹利的扎米表示，每年要看1000多家初创企业，寻找合作机会。“我们评估产品，也会就发展路线提供建议，以及我们对发展路线是否符合当下环境怎么看？”她说，“提出问题，不断从问题中学习。”她举了视频会议公司Zoom的例子，“我们认为，技术能够真正改变与客户互动的方式。”

佩雷特的Plaid也想抓住机遇。他说公司已经与超过15000多家银行合作，提供后台应用程序和相关工具开发服务。“公司宗旨是：让每个人都更容易赚钱。”他说，“我们相信应该向消费者提供更多产品和工具，也提供更多选择。”（财富中文网）

译者：艾伦

审校：夏林

Despite a slew of mobile apps designed to help us budget better, it still wouldn’t be considered shocking to bring “a shoebox full of documents” to apply for a mortgage. That’s according to fintech startup Plaid CEO Zach Perret, who spoke at Fortune’s inaugural Brainstorm Finance event in Montauk, N.Y., on last Thursday.

A Silicon Valley startup like Plaid would be expected to work on solutions to this antiquated behavior, but some of the bigger and more traditional banks in the world are working to innovate financial services as well. Joining Perret on stage at the conference were a couple of representatives from Wall Street: Sigal Zarmi, managing Director and head of transformation at Morgan Stanley, and Adam Dell, head of product at Marcus by Goldman Sachs, an online bank for consumers.

“I really believe that Goldman Sachs is uniquely positioned to push the industry forward in the same way that retail has been transformed by Amazon, Uber has transformed transportation, Apple’s transformed music,” Dell said. One proponent of this push is Marcus’ acquisition last year of Clarity Money, an app that using artificial intelligence and machine learning to create personalized finance tools.

Meanwhile, Zarmi from Morgan Stanley says the company is looking at more than a 1,000 startups a year for potential partnerships. “We are evaluating the product. We are giving them advice on the roadmap, how do we see the roadmap fitting within our environment?” she explains. “Asking questions, learning from them.” A recent example she mentions is Zoom, a video conferencing company. “We think that technology can really change the way we interact with our customers and clients.”

Perret’s Plaid wants to be in the middle of it. His says the company has integrated with over 15,000 banks working on backend development on apps and related tools. “We have a unifying theory: Make money easier for everyone,” he says. “We believe in giving consumers more access to products, tools, choices.”