数字银行Revolut10月26日在英国推出个人贷款：挑战传统大行
10 月 26 日，数字银行 Revolut宣布开始在英国提供无抵押个人贷款，由其英国首席执行官弗朗切斯卡·卡莱西向路透社确认这一消息。这是欧洲估值最高的初创企业向英国大型银行主导的消费信贷市场发起的又一次冲击。Revolut此举意味着它正从核心的支付与订阅产品，向风险更高的信贷业务拓展，竞争对手包括国民西敏寺银行、劳埃德银行、巴克莱银行、桑坦德英国业务与汇丰银行。卡莱西表示，公司的目标是从一家非常成功的日常消费应用，转变为“每一个人的首选银行”。Revolut还计划在不久的将来推出信用卡产品，作为提高单客户收入的努力的一部分——在这项指标上，它目前落后于传统银行。Revolut 由首席执行官尼克·斯托龙斯基与弗拉德·亚岑科于 2015年创立，总部位于伦敦，如今在全球拥有超过 8000 万客户。不过，Revolut仍面临外界对其能否维持高速增长的疑问，其单客户收入远低于传统银行，将工资账户作为主账户的客户比例也有待提高。对英国消费者而言，更多贷款选择意味着更激烈的价格竞争，但也提醒借款人量力而行，仔细比较利率与条款。
Digital Bank Revolut Launches Personal Loans in the UK on October 26: Challenging the Traditional Big Banks
On October 26, digital bank Revolut announced that it has begun offering unsecured personal loans in the UK, with the news confirmed to Reuters by its UK chief executive, Francesca Carlesi. It is another push by Europe's most valuable startup into the consumer credit market dominated by Britain's big banks. The move means Revolut is expanding from its core payments and subscription products into higher-risk lending, with competitors including NatWest, Lloyds Bank, Barclays, Santander UK and HSBC. Carlesi said the company's goal is to transform from a very successful everyday spending app into “everyone's first-choice bank”. Revolut also plans to launch credit card products in the near future as part of efforts to raise revenue per customer — a metric on which it currently lags the traditional banks. Revolut was founded in 2015 by chief executive Nik Storonsky and Vlad Yatsenko, is headquartered in London, and now has more than 80 million customers worldwide. Even so, Revolut still faces questions about whether it can sustain its rapid growth; its revenue per customer is far below that of traditional banks, and the share of customers using it as their main salary account also needs to rise. For UK consumers, more lending choices mean fiercer price competition, but they also remind borrowers to live within their means and compare interest rates and terms carefully.
来源：GSM·美国（原文链接）
图片来源：伦敦大本钟（资料图），取自 Wikimedia Commons。Photo: Big Ben, London (file photo), via Wikimedia Commons.
