2022年11月23日

Michael Brochstein/SOPA Images/LightRocket via Getty Images此故事僅供Insider用戶使用。成為局內人，現在就開始閱讀。據Insider報道，摩根大通(JPMorgan)對投資倫敦金融科技初創公司Yapily的交易已經降溫。消息人士稱，向這家初創公司注資2500萬美元的談判已進入後期階段。成立於2017年的Yapily幾個月來一直在尋求籌集新資金。據業內人士了解，摩根大通(JPMorgan)已選擇退出對倫敦金融科技公司Yapily的戰略投資。Yapily得到了Square和Wise投資者Sapphire Ventures的支持，在蓬勃發展的開放銀行業運營。這家初創公司向一係列財富500強公司授權了一個API，使他們能夠從客戶那裏接受付款，而無需通過Visa和萬事達等發卡機構。一位倫敦消息人士稱，這家美國金融巨頭曾考慮過一筆交易，該銀行將向這家初創公司注入約2500萬美元。不過，據兩位知情人士透露，摩根大通目前已決定不投資Yapily。 Talks between JPMorgan and Yapily were first reported by Bloomberg in September. JPMorgan declined to comment when contacted by Insider. A spokesperson for Yapily said the startup did not comment on market speculation. A deal between Yapily and JPMorgan had reached an advanced stage but the financial giant has opted not to invest in the business, one source said. For now, JPMorgan will work with US firm Finicity, which Mastercard bought for $825 million in 2020 , and Tink, a European open banking startup that Visa acquired in 2021, the London-based source said. The bank's decision to not invest in the fintech does not mean it will not look to partner with the British business in the future, a London-based source familiar with the matter said. Yapily, which has raised $69 million from investors like Latitude and Sapphire Ventures to date, had been looking to raise funding for months and is believed to have thought the deal was going ahead. The bank's decision to change its mind late on in proceedings was described as "a kick in the teeth," by one investor who was close to the process. The startup's last funding round was a $51 million Series B in July 2021 . The JPMorgan deal could well have been contingent on a wider funding round with other investors taking shape, one London-based investor told Insider, meaning the bank might still participate in a future funding round should Yapily move to raise additional capital in the future. Open banking startups sprang out of rule changes forcing banks and financial institutions to share customer data, with their permission, with third parties. Services like Yapily plug into a customer's bank account, then power services on behalf of other businesses such as loans, business payments, to financial management. The deal's demise is thought to be an issue for Yapily but not something that will lead to significant problems for the business, the London-based source said. However, funding to fintech startups has plummeted in 2022. Startups in the industry raised $13.4 billion globally in Q3 2022, down 64% from its all-time high in Q4 2021, according to Dealroom. Yapily previously acquired German competitor FinAPI and would likely have used some of the funding to continue its integration of the business given the regulatory and technical costs to such deals. JPMorgan previously acquired UK wealth management startup Nutmeg and was reportedly on the lookout for other fintech acquisitions amid a slump in valuations for consumer-facing financial services companies in spaces like trading and savings. Sign up for notifications from Insider! Stay up to date with what you want to know. Subscribe to push notifications