盡管市面上已經(jīng)有大量的移動應(yīng)用程序幫美國人管理預(yù)算，但如果有人帶著“滿滿一鞋盒文件”去申請抵押貸款還是正常現(xiàn)象。上周四《財(cái)富》雜志在紐約蒙托克舉辦的首屆頭腦風(fēng)暴金融活動上，金融科技初創(chuàng)公司Plaid的首席執(zhí)行官扎克·佩雷特如是說道。

Plaid之類的硅谷初創(chuàng)公司有望提供新解決方案，解決金融領(lǐng)域過時(shí)的操作，不過一些在全球規(guī)模更大更傳統(tǒng)的銀行也在努力創(chuàng)新金融服務(wù)。與佩雷特同臺出席會議的還有幾位華爾街代表： 摩根士丹利的董事總經(jīng)理兼業(yè)務(wù)轉(zhuǎn)型主管西格爾·扎米，以及高盛旗下消費(fèi)者在線銀行Marcus的產(chǎn)品主管亞當(dāng)·戴爾。

戴爾表示：“我真心相信，高盛在推動該行業(yè)進(jìn)步方面具有獨(dú)特的地位，就像亞馬遜革新零售業(yè)、Uber革新交通出行、蘋果革新音樂行業(yè)一樣。”去年Marcus收購了利用人工智能和機(jī)器學(xué)習(xí)創(chuàng)建個(gè)性化金融工具的應(yīng)用Clarity Money，便是推進(jìn)的具體舉措之一。

與此同時(shí)，摩根士丹利的扎米表示，每年要看1000多家初創(chuàng)企業(yè)，尋找合作機(jī)會。“我們評估產(chǎn)品，也會就發(fā)展路線提供建議，以及我們對發(fā)展路線是否符合當(dāng)下環(huán)境怎么看？”她說，“提出問題，不斷從問題中學(xué)習(xí)。”她舉了視頻會議公司Zoom的例子，“我們認(rèn)為，技術(shù)能夠真正改變與客戶互動的方式。”

佩雷特的Plaid也想抓住機(jī)遇。他說公司已經(jīng)與超過15000多家銀行合作，提供后臺應(yīng)用程序和相關(guān)工具開發(fā)服務(wù)。“公司宗旨是：讓每個(gè)人都更容易賺錢。”他說，“我們相信應(yīng)該向消費(fèi)者提供更多產(chǎn)品和工具，也提供更多選擇。”（財(cái)富中文網(wǎng)）

譯者：艾倫

審校：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.”