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词条 Tide (banking)
释义

  1. History

  2. Products and services

  3. References

  4. External links

{{Other uses|Tide (disambiguation)}}{{Infobox company
|name = Tide Platform Limited
|logo =
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|type = Private
|traded as =
|founded = {{start date and age|2015|05|18|df=yes}}[1]
|dissolved =
|predecessor = Starfish Platform Limited[1]
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|location = London, United Kingdom
|coordinates =
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|locations =
|area_served = United Kingdom
|founder = George Bevis[1][2]
|president =
|key_people = Oliver Prill (CEO),[3] Eileen Burbidge (Chairman)[4][5]
|industry = FinTech
|products = Current accounts for small and medium-sized enterprises[6]
|services = Automated bookkeeping, integrated invoicing, business banking, accounting software integrations[7][10]
|revenue =
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|num_employees = 80[8]
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Tide (Tide Platform Limited) is a UK financial technology company providing a mobile-first business banking service for small and medium-sized enterprises. It enables businesses to set up a current account and get instant access to various financial services (including automated bookkeeping and integrated invoicing). Established in 2015, Tide is one of the first digital-only banking platforms in the UK to provide accounts for businesses.

History

Tide was founded by George Bevis, who previously worked as a banker.[5] He was joined by the UK Government advisor, venture capitalist and founder of Passion Capital, Eileen Burbidge, who became the Chairman of Tide.[5]

The company was registered on May 18, 2015.[9] It received the Financial Conduct Authority’s permission to provide financial products and services in February 2016.[10] Banking services are provided by PrePay Solutions, which is regulated by the Financial Conduct Authority.[11][12] Tide became one of the first digital-only banking platforms in the UK to provide accounts for businesses.[18]

In July 2016, the company received $2 million (£1.5 million) in seed funding from Eileen Burbidge’s Passion Capital, Robin Klein’s LocalGlobe, Zoopla’s founder Alex Chesterman, Wonga founder Errol Damelin and a number of other investors.[5][13][4]

The Tide mobile app was in beta mode until the official launch in January 2017.[14][15] In March 2017, the bank opened a pop-up store at London’s Old Street station.[16][17]

In July 2017, Tide secured an £11m series A investment from specialist fintech funds Anthemis and Creandum. Money was also raised from Tide’s existing investors Passion Capital and LocalGlobe.[18][19] Alongside this, Tide announced a partnership with European online lender iwoca, to initiate its first loan program.[18][20] An integration named Tide Credit was launched in October 2017.[21][22] Tide offered credit lending of up to £150,000 directly through the app.[22]

In January 2018, the UK Financial Conduct Authority (FCA) granted Tide authorisation as an electronic money institution (Authorised Electronic Money Institution).[23] In March 2018, Tide presented a new logo and launched several product features, including a new vertical card design, an updated FreeAgent integration and Team Cards.[24][25][26] Later in March 2018, George Bevis announced he intended to stand down from his CEO role.[2] In August 2018, Oliver Prill, former chief operating officer at German online lender Kreditech, joined Tide as CEO.[8][27] Later in August 2018, Tide secured £8m in bridge funding by existing investors Anthemis, Creandum and Passion Capital joined by new investor Augmentum Fintech.[28][8]

In September 2018, Tide argued that just £65m of the total £775m Royal Bank of Scotland bail-out fund was available for non-deposit taking firms. CEO Oliver Prill wrote to the Treasury urging it to change the rules for the contest.[29][30] In January 2019, ClearBank announced a partnership with Tide to bid for a grant from Pool A of the Capability and Innovation Fund that formed part of RBS’s alternative remedies package.[31] Later in February 2019, Banking Competition Remedies Ltd granted ClearBank £60 million in funding from Pool A of the Capability and Innovation Fund.[32] This decision has been criticized by competitors, saying that Tide didn’t have a banking licence and stating that a £60 million grant was no more than a boost to Tide’s venture capital investors.[33]

In February 2019, Tide backed calls for a financial services tribunal for small businesses to settle disputes with their lenders.[34] In March 2019, the company announced plans to raise £60 million from investors.[35]

Products and services

Tide has created a set of banking tools for small business owners. Customers can open current accounts straight from their mobile phone by scanning an ID and will be sent a Mastercard debit card to use for business transactions.[13] Tide banking is available on iPhone, Android devices and on desktop.[15]

The firm also offers an automated bookkeeping service and integrated invoicing.[15][7] Tide developed its own API that allows integrations with the loan provider iwoca, as well as with accounting software such as Xero, FreeAgent, ReckonOne and Sage.[6][36] Tide was one of five fintech disruptors to launch Xero Bank Feed integration, alongside Starling Bank, TransferWise, Revolut and Soldo.[37]

Tide has partnerships with PayPoint and with the Post Office to facilitate cash deposit services.[38][6]

References

1. ^{{cite web|url=https://www.telegraph.co.uk/business/2017/10/21/sunday-interview-digital-business-bank-tide-shooting-open-goal/|title=Sunday interview: Digital business bank Tide 'shooting at open goal'|first=Iain|last=Withers|newspaper=The Sunday Telegraph|date=2017-10-21|archiveurl=https://web.archive.org/web/20171022154022/http://www.telegraph.co.uk/business/2017/10/21/sunday-interview-digital-business-bank-tide-shooting-open-goal/|archivedate=2017-10-22|accessdate=2019-03-16}}{{subscription}}
2. ^1 {{cite web|url=https://techcrunch.com/2018/03/22/tide-ceo-change/|title=The founder of business banking startup Tide plans to step down as CEO|first=Steve|last=O'Hear|date=2018-03-22|website=TechCrunch|archiveurl=http://www.webcitation.org/76ufEnfhY|archivedate=2019-03-16|accessdate=2019-03-16}}
3. ^{{cite web|url=https://www.ft.com/content/0e93a22e-3676-11e9-bb0c-42459962a812|title=Metro Bank wins biggest share of RBS fund to boost competition|first=Nicholas|last=Megaw|newspaper=Financial Times|date=2019-02-22|accessdate=2019-03-16}}{{subscription}}
4. ^1 {{cite web|url=https://www.telegraph.co.uk/business/2016/07/30/wonga-and-zoopla-founders-back-mobile-bank-start-up/|title=Wonga and Zoopla founders back mobile bank start-up|first=Rebecca|last=Burn-Callander|date=2016-07-30|newspaper=The Daily Telegraph|archiveurl=https://web.archive.org/web/20170914221259/http://www.telegraph.co.uk/business/2016/07/30/wonga-and-zoopla-founders-back-mobile-bank-start-up/|archivedate=2017-09-14|accessdate=2019-03-16}}{{subscription}}
5. ^1 2 3 {{cite web|url=https://www.businessinsider.com/tide-bank-launch-funding-brexit-perfect-scenario-2016-7|title=There's a new digital-only bank and its CEO says Brexit is the 'perfect scenario' to launch|first=Oscar|last=Williams-Grut|date=2016-07-25|website=Business Insider|archiveurl=https://web.archive.org/web/20170202115357/https://www.businessinsider.com/tide-bank-launch-funding-brexit-perfect-scenario-2016-7|archivedate=2017-02-02|accessdate=2019-03-16}}
6. ^1 2 {{cite web|url=https://www.thisismoney.co.uk/money/smallbusiness/article-6679083/Tide-targets-16-share-SME-banking-market-grant-775m-RBS-remedy-package.html|title=Tide targets 16% share of the small business banking market with a grant from the £775m RBS remedy package - but is it any good?|first=Myron|last=Jobson|date=2019-02-11|website=thisismoney.co.uk|archiveurl=https://web.archive.org/web/20190211171447/https://www.thisismoney.co.uk/money/smallbusiness/article-6679083/Tide-targets-16-share-SME-banking-market-grant-775m-RBS-remedy-package.html|archivedate=2019-02-11|accessdate=2019-03-16}}
7. ^1 {{cite book|chapter-url=https://books.google.com/books?id=smSEDwAAQBAJ&pg=PT112|chapter=Commercial Banking Transformation|title=Fintech in a Flash: Financial Technology Made Easy|page=112|edition=3d|first=Agustín|last=Rubini|year=2018|publisher=Walter de Gruyter GmbH & Co KG|isbn=978-1-5474-1716-2|via=Google Books}}
8. ^1 2 {{cite web|url=https://www.telegraph.co.uk/technology/2018/12/10/start-up-business-bank-tide-doubles-accounts-eyes-new-funding/|title=Start-up business bank Tide doubles accounts as it eyes new funding|first=Matthew|last=Field|date=2018-12-10|newspaper=The Daily Telegraph|archiveurl=https://web.archive.org/web/20181215162735/https://www.telegraph.co.uk/technology/2018/12/10/start-up-business-bank-tide-doubles-accounts-eyes-new-funding/|archivedate=2018-12-15|accessdate=2019-03-16}}
9. ^1 2 {{cite web|url=https://beta.companieshouse.gov.uk/company/09595646|title=Tide Platform Limited|year=2019|publisher=Companies House|archiveurl=https://web.archive.org/web/20190316090626/https://beta.companieshouse.gov.uk/company/09595646|archivedate=2019-03-16|accessdate=2019-03-16}}
10. ^{{cite web|url=https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000001SHTjVAAX|title=Tide Platform Limited|year=2019|publisher=Financial Conduct Authority|archiveurl=https://web.archive.org/web/20190316192224/https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000001SHTjVAAX|archivedate=2019-03-16|accessdate=2019-03-16}}
11. ^1 {{cite web|url=https://moneyweek.com/486840/a-new-challenge-for-business-banking/|title=A new challenge for business banking|first=Ben|last=Judge|date=2018-04-20|work=MoneyWeek|archiveurl=https://web.archive.org/web/20190320184739/https://moneyweek.com/486840/a-new-challenge-for-business-banking/|archivedate=2019-03-20|accessdate=2019-03-20}}
12. ^{{cite web|url=https://www.standard.co.uk/tech/digtal-banks-challenger-banks-shake-up-city-titans-a3833261.html|title=How digital banks are trying to shake up the City's titans|first=Mark|last=Shapland|newspaper=Evening Standard|date=2018-05-08|archiveurl=https://web.archive.org/web/20180711055550/https://www.standard.co.uk/tech/digtal-banks-challenger-banks-shake-up-city-titans-a3833261.html|archivedate=2018-07-11|accessdate=2019-03-20}}
13. ^1 {{cite web|url= https://techcrunch.com/2016/07/25/super-fast-small-biz-mobile-banking-service-tide-raises-2m-seed-round/|title=Super-fast small biz mobile banking service Tide raises $2M seed round|first=Mike|last=Butcher|date=2016-07-25|website=TechCrunch|archiveurl=http://www.webcitation.org/76vJB26S4|archivedate=2019-03-16|accessdate=2019-03-16}}
14. ^{{cite web|url=http://www.cityam.com/258061/new-small-business-account-tide-launches-today|title=New small business account, Tide, launches today|first=Hayley|last=Kirton|date=2017-01-31|newspaper=City A.M.|archiveurl=https://web.archive.org/web/20170202190602/http://www.cityam.com/258061/new-small-business-account-tide-launches-today|archivedate=2017-02-02|accessdate=2019-03-16}}
15. ^1 2 {{cite web|url=https://techcrunch.com/2017/01/31/smart-smb-bank-tide-comes-out-of-the-gate-with-bags-of-features/|title=Smart SMB bank Tide comes out of the gate with bags of features|first=Mike|last=Butcher|website=TechCrunch|date=2017-01-31|archiveurl=http://www.webcitation.org/76vMNh9aD|archivedate=2019-03-16|accessdate=2019-03-16}}
16. ^{{cite web|url=https://ibsintelligence.com/uncategorized/tide-bank-goes-underground-to-raise-profile/|title=Tide Bank goes underground to raise profile|date=2017-03-06|publisher=IBS Intelligence|archiveurl=https://web.archive.org/web/20190316204735/https://ibsintelligence.com/uncategorized/tide-bank-goes-underground-to-raise-profile/|archivedate=2019-03-16|accessdate=2019-03-16}}
17. ^{{cite journal|url=https://issuu.com/ifinance/docs/fintech_age_n4_spring_2017|title=Turning the Tide|first=Anais|last=Borri|pages=8-9|journal=Fintech Age|issue=Spring 2017|year=2017|via=issuu|accessdate=2019-03-16}}
18. ^1 2 {{cite web|url=https://techcrunch.com/2017/07/03/uks-tide-raises-14m-to-challenge-big-banks-with-a-mobile-first-service-for-smbs/|title=UK’s Tide raises $14M to challenge big banks with a mobile-first service for SMBs|first=Ingrid|last=Lunden|date=2017-07-03|website=TechCrunch|archiveurl=http://www.webcitation.org/76wH99Q0N|archivedate=2019-03-17|accessdate=2019-03-17}}
19. ^{{cite web|url=https://www.businessinsider.com/fintech-startup-tide-14-million-boost-from-spotify-backers-creandum-2017-7|title=Banking startup Tide raises $14 million to 'give small businesses back their time'|first=Camilla|last=Hodgson|date=2017-07-04|website=Business Insider|archiveurl=https://web.archive.org/web/20170704073731/http://www.businessinsider.com/fintech-startup-tide-14-million-boost-from-spotify-backers-creandum-2017-7|archivedate=2017-07-04|accessdate=2019-03-17}}
20. ^{{cite web|url=https://www.euromoney.com/article/b13vqcgbws3qqy/fintech-incumbents-and-disruptors-all-want-a-piece-of-iwoca|title=Fintech: Incumbents and disruptors all want a piece of iwoca|first=Peter|last=Lee|date=2017-07-14|work=Euromoney|archiveurl=https://web.archive.org/web/20190317111811/https://www.euromoney.com/article/b13vqcgbws3qqy/fintech-incumbents-and-disruptors-all-want-a-piece-of-iwoca|archivedate=2019-03-17|accessdate=2019-03-17}}
21. ^{{cite web|url=http://www.altfi.com/article/3600_fintech_lender_launches_api_partners_with_digital_bank|title=Fintech lender launches API, partners with digital bank|first=Ryan|last=Weeks|date=2017-10-10|website=altfi.com|archiveurl=https://web.archive.org/web/20190320190712/http://www.altfi.com/article/3600_fintech_lender_launches_api_partners_with_digital_bank|archivedate=2019-03-20|accessdate=2019-03-20}}
22. ^1 {{cite web|url=https://www.tide.co/blog/new-feature/no-waiting-credit-deserve/|title=No more waiting for the credit you deserve|date=2017-11-14|publisher=Tide|archiveurl=https://web.archive.org/web/20190317113432/https://www.tide.co/blog/new-feature/no-waiting-credit-deserve/|archivedate=2019-03-17|accessdate=2019-03-17}}
23. ^{{cite web|url=https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b00000410w6rAAA|title=Tide Platform Limited|year=2019|publisher=Financial Conduct Authority|archiveurl=https://web.archive.org/web/20190317115258/https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b00000410w6rAAA|archivedate=2019-03-17|accessdate=2019-03-17}}
24. ^{{cite web|url=https://www.designweek.co.uk/issues/19-25-march-2018/vertical-debit-card-design-reflecting-people-bank-today/|title=The vertical debit card design reflecting “how people bank today”|first=Aimée|last=McLaughlin|date=2018-03-20|website=Design Week|archiveurl=https://web.archive.org/web/20180320211612/https://www.designweek.co.uk/issues/19-25-march-2018/vertical-debit-card-design-reflecting-people-bank-today/|archivedate=2018-03-20|accessdate=2019-03-17}}
25. ^{{cite web|url=https://www.bankingtech.com/2018/03/uk-regulator-grants-tide-e-money-authorisation/|title=UK regulator grants Tide e-money authorisation|first=Tanya|last=Andreasyan|date=2018-03-21|website=bankingtech.com|archiveurl=https://web.archive.org/web/20180321070241/https://www.bankingtech.com/2018/03/uk-regulator-grants-tide-e-money-authorisation/|archivedate=2018-03-21|accessdate=2019-03-17}}
26. ^{{cite web|url=http://www.altfi.com/article/4200_tide_gets_fca_authorised_launches_new_card_and_integrations|title=Tide gets FCA-authorised, launches new card and integrations|first=Emily|last=Nicolle|date=2018-03-21|website=altfi.com|archiveurl=https://web.archive.org/web/20190317122910/http://www.altfi.com/article/4200_tide_gets_fca_authorised_launches_new_card_and_integrations|archivedate=2019-03-17|accessdate=2019-03-17}}
27. ^{{cite web|url=https://www.pymnts.com/smbs/2018/tide-oliver-prill-small-business-digital-banking-as-a-service-platform/|title=Tide CEO: Why SMBs Need Their Own Bank|first=Karen|last=Webster|website=pymnts.com|archiveurl=http://www.webcitation.org/771NJrkV0|archivedate=2019-03-20|accessdate=2019-03-20}}
28. ^{{cite web|url=https://specialistbanking.co.uk/article-desc-6403_tide-secures-£8m-of-funding|title=Tide secures £8m of funding|first=Theo|last=Osborn|website=specialistbanking.co.uk|archiveurl=https://web.archive.org/web/20190320193616/https://specialistbanking.co.uk/article-desc-6403_tide-secures-%C2%A38m-of-funding|archivedate=2019-03-20|accessdate=2019-03-20}}
29. ^{{cite web|url=https://www.telegraph.co.uk/business/2018/09/30/digital-start-ups-complain-frozen-775m-rbs-remedies-contest/|title=Digital start-ups complain they're being frozen out of £775m RBS remedies contest|first=Iain|last=Withers|newspaper= The Daily Telegraph|date=2018-09-30|archiveurl=https://web.archive.org/web/20180930221442/https://www.telegraph.co.uk/business/2018/09/30/digital-start-ups-complain-frozen-775m-rbs-remedies-contest/|archivedate=2018-09-30|accessdate=2019-03-22}}{{subscription}}
30. ^{{cite web|url=https://www.finextra.com/newsarticle/32720/tide-calls-on-hm-treasury-to-allow-non-banks-to-compete-for-rbs-bail-out-cash|title=Tide calls on HM Treasury to allow non-banks to compete for RBS bail out cash|date=2018-10-01|website=finextra.com|archiveurl=http://www.webcitation.org/774Og5OSI|archivedate=2019-03-22}}
31. ^{{cite web|url=https://www.independent.ie/world-news/challenger-bank-tide-teams-up-with-clearbank-for-rbs-fund-37709795.html|title=Challenger bank Tide teams up with ClearBank for RBS fund|first=Maryam|last=Cockar|newspaper=Irish Independent|archiveurl=https://web.archive.org/web/20190322192218/https://www.independent.ie/world-news/challenger-bank-tide-teams-up-with-clearbank-for-rbs-fund-37709795.html|archivedate=2019-03-22|accessdate=2019-03-22}}
32. ^{{cite web|url=https://www.theguardian.com/business/2019/feb/22/metro-wins-lions-share-of-new-rbs-funded-competition-scheme|title=Metro Bank wins lion's share of RBS-funded competition scheme|first1=Kalyeena|last1=Makortoff|first2=Jasper|last2=Jolly|newspaper=The Guardian|date=2019-02-22|archiveurl=https://web.archive.org/web/20190222115600/https://www.theguardian.com/business/2019/feb/22/metro-wins-lions-share-of-new-rbs-funded-competition-scheme|archivedate=2019-02-22|accessdate=2019-03-22}}
33. ^{{cite web|url=https://www.standard.co.uk/business/tide-turns-royal-bank-of-scotland-handout-to-farce-as-critics-cry-foul-a4096621.html|title=Tide turns Royal Bank of Scotland handout to farce as critics cry foul|first=Simon|last=English|date=2019-03-20|newspaper=Evening Standard|archiveurl=https://web.archive.org/web/20190322193806/https://www.standard.co.uk/business/tide-turns-royal-bank-of-scotland-handout-to-farce-as-critics-cry-foul-a4096621.html|archivedate=2019-03-22|accessdate=2019-03-22}}
34. ^{{cite web|url=https://www.independent.ie/world-news/challenger-bank-tide-backs-calls-for-sme-tribunal-37800499.html|title=Challenger bank Tide backs calls for SME tribunal|first=Maryam|last=Cockar|newspaper=Irish Independent|archiveurl=https://web.archive.org/web/20190210112116/https://www.independent.ie/world-news/challenger-bank-tide-backs-calls-for-sme-tribunal-37800499.html|archivedate=2019-02-10|accessdate=2019-03-22}}
35. ^{{cite web|url=https://www.thetimes.co.uk/article/tide-turns-to-investors-once-again-w7gdndf32|title=Tide turns to investors once again|first=Katherine|last=Griffiths|newspaper=The Times|date=2019-03-11|archiveurl=https://web.archive.org/web/20190322200135/https://www.thetimes.co.uk/article/tide-turns-to-investors-once-again-w7gdndf32|archivedate=2019-03-22|accessdate=2019-03-22}}{{subscription}}
36. ^{{cite web|url=https://www.euromoney.com/article/b17c1cfty3pffn/iwocas-growth-shows-sme-hunger-for-credit-as-banks-withdraw|title=Iwoca’s growth shows SME hunger for credit as banks withdraw|first=Peter|last=Lee|date=2018-03-16|work=Euromoney|archiveurl=https://web.archive.org/web/20190322203248/https://www.euromoney.com/article/b17c1cfty3pffn/iwocas-growth-shows-sme-hunger-for-credit-as-banks-withdraw|archivedate=2019-03-22|accessdate=2019-03-22}}
37. ^{{cite web|url=https://www.accountancyage.com/2018/11/21/how-technology-is-changing-the-face-of-accounting/|title=How technology is changing the face of accounting|first=Beth|last=McLoughlin|date=2018-11-21|website=Accountancy Age|archiveurl=https://web.archive.org/web/20181122001224/https://www.accountancyage.com/2018/11/21/how-technology-is-changing-the-face-of-accounting/|archivedate=2019-03-22|accessdate=2018-03-22}}
38. ^{{cite web|url=https://www.betterretailing.com/tide-banking-services|title=PayPoint and Post Office add Tide banking services|first=Jack|last=Courtez|date=2018-07-02|website=betterretailing.com|archiveurl=https://web.archive.org/web/20190322205143/https://www.betterretailing.com/tide-banking-services|archivedate=2019-03-22|accessdate=2019-03-22}}

External links

  • {{Official|https://www.tide.co}}

3 : Financial services companies of the United Kingdom|2015 establishments in the United Kingdom|2015 establishments in the United Kingdom
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