伦敦泰晤士河上兰贝斯桥另一侧的沃克斯豪尔区商业和住宅开发项目 | 彭博 查利·韦尔斯 复制链接 2026年9月30日 多年来，在伦敦创办一家金融科技初创公司，足以让风险投资公司眼前一亮。如今，创始人必须证明公司已取得成功，否则就得改变战略。
Commercial and residential developments in the Vauxhall district, beyond Lambeth Bridge over the River Thames in London | BLOOMBERG By Charlie Wells Sep 30, 2026 For years, forming a fintech startup in London was enough to dazzle venture capital firms. Now, founders are having to show success or be forced to change their strategy.
过去十年密集成立、试图颠覆支付和消费银行业务的公司，如今不得不面对至少自2016年以来最低的融资水平。那些帮助伦敦在英国脱欧后仍成长为全球人才中心的早期创新，显然未能取得预期成效。
The flurry of firms set up over the past decade to try and disrupt payments and consumer banking must now contend with the lowest level of funding since at least 2016. Early innovations that helped turn London into a global hub for talent, even post-Brexit, have simply not panned out as planned.
Revolut——欧洲估值最高的初创公司——以及Monzo Bank都取得了成功。后者最近吸引了巴西金融科技巨头Nu Holdings数十亿美元的收购兴趣。这些公司的成功也增加了其他公司的压力，迫使它们展示明确的退出路径，并帮助初始投资者收回投资。
The successes of Revolut — Europe’s most valuable startup — or Monzo Bank, which just attracted multibillion-dollar takeover interest from Brazilian fintech giant Nu Holdings, have also added pressure for other companies to show an exit path, and help return money to initial investors.