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想做 Fintech,可以點開始?

綠色車
綠色車

Fintech 感覺好高級 ,係唔係要 tech同finance都要好勁

編輯於2021年04月16日

Emma
Emma

留意下唔同銀行既trainee program / MT program, 例如係hang seng 既digital associate program,而家銀行多左開一d 同digital / technology 有關既職位,甚至一d 大既ibank 都會有唔少trainee programme可以試下。 如果本身唔係話好明確知道fintech 可以點開始,銀行既tech MT program 都會係一個唔錯既開始。因為一定會接觸到好多finance既知識,又可以入到大公司,接受有系統既培訓,資源又會比較多,接觸唔同project 又可以知道自己對咩有興趣,又有可能接觸大project!

除左銀行,都可以考慮一d 提供financial solution 既IT vendor, e.g. Bloomberg / Fidessa 等等。呢d 就真係好focus 係capital market 既世界,主要係提供 systems / services俾各大銀行去做股票買賣等等。

如果覺得大公司唔岩你,或者想去中小公司試下,學得全面d, 要小心留意下間公司係咪真係做緊fintech 既野,定係以fintech 個名黎攞funding only.

Fintech 呢個term 好闊,入面其實都有唔同既post可以做,當然唔少得programmer, 但如果唔想做programmer, 都仲有data analyst/ data scientist,好多做data analyst 有關既post, 都會用到python language。所以不妨進修下python,寫落cv,提高interview既機會!

編輯於2020年01月09日

別人叫我太SoHin | Anthony@OnGrad
別人叫我太SoHin | Anthony@OnGrad
Verified-icon高手高手高高手
上網睇咗一輪,呢兩幅圖都大概mention咗幾個main category of fintech:

Source: Beauhurst.com

Source: Business Insider

等你除咗blockchain, crypto之外多幾個term用下😉

編輯於2020年01月09日

草子xv
草子xv

我知道人家平時成日都會聽到“Fintech”呢個term,唔少金融機構、Start-ups 同埋監管機構都好強調佢哋有Apply到乜嘢新金融科技。我自己喺兩間唔同嘅iBank 做過兩個好唔同嘅工種(IT Related),對我嚟講“Fintech”其實好似一個Buzzword咁,無處不在但係又冇乜特別。所以喺正式答你呢條問題之前,我哋諗吓咩叫Fintech 先。

睇睇Wiki 嘅Definition先:

- Financial technology, often shortened to fintech, is the technology and innovation that aims to compete with traditional financial methods in the delivery of financial services. It is an emerging industry that uses technology to improve activities in finance.

- Fintech is the new applications, processes, products, or business models in the financial services industry, composed of one or more complementary financial services and provided as an end-to-end process via the Internet.

- Fintech can also be considered as “any innovative ideas that improve financial service processes by proposing technology solutions according to different business situations, while the ideas could also lead to new business models or even new businesses”.

講真睇完上面三個Point, 個Definition 真係闊過西隧。Big Data, Cloud, AI, Blockchain 呢啲好明顯一定符合上面嘅Description。咁但係一般銀行Programmer, Business Analyst, Project Manager又Match到個Definition 喎。然後一路數落去,Cloud Engineer, System Administrator, Security Analyst甚至Quality Assurance呢? 呢啲都可以叫做“improve activities in finance” 喎!

講到呢度,我相信你會明點解我話Fintech 係Buzzword,其實唔係真係啲咩特別野。

返番去個問題: 點樣可以開始你嘅Fintech Career呢? 如果你係IT Related Degree 或者Major, 其實你已經手握咗一張好重要嘅入場卷。因為你讀過嘅Course 入面一定有包含Programming, IS System Design & Analysis, Testing 等等呢啲差唔多每個金融機構都需要嘅Skillset。咁non-IT 嘅同學又點算呢? 如果讀Business/Finance/Accounting/Statistics/Risk Management嘅同學,你哋讀過嘅Course 入面一定有啲同Data Analytics 或者 Risk Management 有關嘅嘢,其實唔少公司都會請呢類Graduate做Business Analyst, Data Analyst等等嘅Role。如果真係一啲IT Background 都冇又唔需要灰心喎,你有心嘅話其實網上都有好多Free Resources俾你自學。

可能搵Grad Job 嘅時候收到嘅Offer 比起IT Graduates 無咁好,但係當你做咗幾年嘢之後根本唔會有人Care 你咩Major 咩GPA。反而比較重要嘅係你個人係咪一個Fast Learner, 會唔會主動去Pick up一啲你唔識嘅嘢,因為就算你係IT Graduates都好,工作上呢Skillset 大部分都係開始做嘢先學。

For Non-final Year 嘅同學仔,你主要有兩個Approach 去增值自己: 1. Self-learning Course 2. Internship

Self-learning 方面,其實LinkedIn 都有唔少Option嘅:

至於揀啲咩Course 就好視乎你嘅個人興趣喇,因為Entry Role其實好多時唔會真係要求你有Expertise,有Fundamental Knowledge 甚至乎Brief Idea 已經好足夠。 至於Internship 方面,不論你係咪IT Major都好,我自己係強烈建議同學去Big 4行個圈。因為Big4 嘅IT Advisory/Consulting 有好多唔同範疇(尤其是Deloitte)之餘,Project 嘅Diversity 亦都好高,你喺Internship 入面係真係會有好多Exposure。除此之外,Banking 嘅Internship 大家都可以去考慮吓。HSBC 同恒生每年都會有Operation, Service & Technology 嘅Co-op Programme。不過我就認為相比之下Banking 嘅Internship 因為好多時要啲Intern 去做啲BAU 或者Daily Operation 嘢,睇到嘅嘢冇Big4 咁多。

最後,For Final Year 尤其是Non IT Major 嘅同學仔,如果真係有心想做Fintech,第一件事係問清楚自己有邊一至兩個Area 係特別有興趣先。之後可以喺LinkedIn approach 吓一啲喺金融機構入面做緊嗰啲Area 嘅Trainee/Entry Level Staff,我相信好多人都好願意分享佢哋嘅經驗俾你。搵工方面,Year 3 暑假就要留意吓唔同公司幾時有Opening 喇! 

以下喺一啲你哋要留意嘅Firm:

- MBB Consulting

- Big4

- iBank

- Retail & Commercial Bank

- Other Consulting Firm (e.g. FDM)

- Insurance Firm (FWD, Manulife etc)

- Regulators (HKMA, SFC, HKIA)

編輯於2020年01月10日
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