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{{Infobox company |
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| name = Centralway Numbrs [[Aktiengesellschaft|AG]] |
| name = Centralway Numbrs [[Aktiengesellschaft|AG]] |
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'''Centralway Numbrs''' is a [[Swiss]] [[technology]] company based in [[Zurich]], [[Switzerland]]. The company is best known for its [[mobile banking]] [[app]] Centralway Numbrs.<ref>{{cite web|title= Die Neuen Apps Fürs Online-Banking |url= http://www.faz.net/aktuell/finanzen/meine-finanzen/sparen-und-geld-anlegen/konten-bei-unterschiedlichen-banken-mit-einer-app-verwalten-das-geht-jetzt-aber-ist-es-auch-sicher-12933595.html | publisher= Frankfurter Allgemeine Zeitung }}</ref><ref>{{cite web|title= Centralway Numbrs macht die Kontoführung mobi |url= https://www.welt.de/print/welt_kompakt/webwelt/article134245107/Centralway-Numbrs-macht-die-Kontofuehrung-mobil.html | publisher= Die Welt }}</ref><ref>{{cite web|title= Multibanking-App mit ambitionierten Plänen |url= https://www.boersen-zeitung.de/index.php?li=1&artid=2014083011 | publisher= Börsen-Zeitung}}</ref> The [[application]] allows users to conduct transactions, track spending, pay bills, and predict future income and expenses.<ref name=one>{{cite web | url=http://techcrunch.com/2013/05/22/numbrs/ | title=Aiming To Be The Mobile Banking App To Rule Them All, Numbrs Stashes $7.7M Of Fresh Funding | author=Steve O'Hear | date =May 22, 2013 | publisher =TechCrunch | accessdate= June 13, 2013}}</ref><ref name=two>{{cite web | url=http://pandodaily.com/news/numbrs-raises-7-7-million/ | title=Banking app Numbrs has raised 7.5 million Swiss francs ($7.7 million) from its parent company Centralway. The app is currently available for download in Germany. | author= | date =May 22, 2013 | publisher =pandodaily | accessdate= June 13, 2013}}</ref><ref name=three>{{cite web | url=http://www.cbanque.com/actu/rss/c-est-pas-mon-idee/121918-numbrs-le-pfm-qui-veut-remplacer-la-banque | title=Numbrs, le PFM qui veut remplacer la banque | author= | date = May 22, 2013| publisher = cBanque| accessdate= June 13, 2013}}</ref><ref name=seven>{{cite web | url=http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapid=240289111 | title=Company Overview of Numbrs AG | author= | date =2013 | publisher = Bloomberg Businessweek| accessdate= June 13, 2013}}</ref> It supports all major banks, and is compatible with iOS |
'''Centralway Numbrs''' is a [[Swiss]] [[technology]] company based in [[Zurich]], [[Switzerland]]. The company is best known for its [[mobile banking]] [[app]] Centralway Numbrs.<ref>{{cite web|title= Die Neuen Apps Fürs Online-Banking |url= http://www.faz.net/aktuell/finanzen/meine-finanzen/sparen-und-geld-anlegen/konten-bei-unterschiedlichen-banken-mit-einer-app-verwalten-das-geht-jetzt-aber-ist-es-auch-sicher-12933595.html | publisher= Frankfurter Allgemeine Zeitung }}</ref><ref>{{cite web|title= Centralway Numbrs macht die Kontoführung mobi |url= https://www.welt.de/print/welt_kompakt/webwelt/article134245107/Centralway-Numbrs-macht-die-Kontofuehrung-mobil.html | publisher= Die Welt }}</ref><ref>{{cite web|title= Multibanking-App mit ambitionierten Plänen |url= https://www.boersen-zeitung.de/index.php?li=1&artid=2014083011 | publisher= Börsen-Zeitung}}</ref> The [[application]] allows users to conduct transactions, track spending, pay bills, and predict future income and expenses.<ref name=one>{{cite web | url=http://techcrunch.com/2013/05/22/numbrs/ | title=Aiming To Be The Mobile Banking App To Rule Them All, Numbrs Stashes $7.7M Of Fresh Funding | author=Steve O'Hear | date =May 22, 2013 | publisher =TechCrunch | accessdate= June 13, 2013}}</ref><ref name=two>{{cite web | url=http://pandodaily.com/news/numbrs-raises-7-7-million/ | title=Banking app Numbrs has raised 7.5 million Swiss francs ($7.7 million) from its parent company Centralway. The app is currently available for download in Germany. | author= | date =May 22, 2013 | publisher =pandodaily | accessdate= June 13, 2013}}</ref><ref name=three>{{cite web | url=http://www.cbanque.com/actu/rss/c-est-pas-mon-idee/121918-numbrs-le-pfm-qui-veut-remplacer-la-banque | title=Numbrs, le PFM qui veut remplacer la banque | author= | date = May 22, 2013| publisher = cBanque| accessdate= June 13, 2013}}</ref><ref name=seven>{{cite web | url=http://investing.businessweek.com/research/stocks/private/snapshot.asp?privcapid=240289111 | title=Company Overview of Numbrs AG | author= | date =2013 | publisher = Bloomberg Businessweek| accessdate= June 13, 2013}}</ref> It supports all major banks, and is compatible with [[iOS]] and [[Android]].<ref name=one /><ref name=two /><ref name=three /><ref name=eight>{{cite web | url=http://www.finextra.com/News/FullStory.aspx?newsitemid=24815&topic=payments | title=Numbrs raises EUR6.1m for mobile app connecting bank accounts | author= | date =May 14, 2013 | publisher =Finextra | accessdate= June 13, 2013}}</ref> The company was founded in 2011 by [[entrepreneur]] [[Martin Saidler]].<ref>{{cite web|title= 7 Fragen an Julien Arnold, Gründer und CEO Numbrs |url=http://www.fintecforumdach.de/News_%26_Blogs/Eintrage/2013/10/18_7_Fragen_an_Julien_Arnold,_Grunder_und_CEO_Numbrs.html | publisher= Fintech}}</ref><ref>{{cite web|title= Die Welt braucht nicht noch eine Bank |url=http://www.handelsblatt.com/finanzen/anlagestrategie/trends/centralway-chef-saidler-im-interview-die-welt-braucht-nicht-noch-eine-bank/19306068.html | publisher= HandelsBlatt}}</ref><ref>{{cite web|title= When is a bank not a bank? |url=http://www.globes.co.il/en/article-when-is-a-bank-not-a-bank-1001095558 | publisher= Globes}}</ref> According to Finanz and Wirtschaft, Centralway Numbrs is currently one of the highest valued [[fintech]]s in [[Europe]].<ref>{{cite web|title= Staatsfonds von Dubai steigt bei Schweizer Fintech ein |url=http://www.fuw.ch/article/staatsfonds-von-dubai-steigt-bei-schweizer-fintech-ein/ | publisher= Finanz und Wirtschaft}}</ref><ref>{{cite web|title= Die neuen Apps fürs Online-Banking |url=http://www.faz.net/aktuell/finanzen/meine-finanzen/sparen-und-geld-anlegen/konten-bei-unterschiedlichen-banken-mit-einer-app-verwalten-das-geht-jetzt-aber-ist-es-auch-sicher-12933595.html | publisher= Meine Finanzen}}</ref> |
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==Background== |
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Numbrs was founded out of the Swiss company builder [[Centralway|CENTRALWAY]] in September 2012.<ref name=one /><ref name=four>{{cite web | url=http://vator.tv/news/2013-05-24-funding-roundup-week-ending-05-24-13 | title=Funding roundup | author=Steven Loeb | date =May 24, 2013 | publisher =Vator News | accessdate= June 13, 2013}}</ref><ref name=five>{{cite web | url=http://finance.fortune.cnn.com/2013/05/23/venture-capital-deals-346/ | title=Venture capital deals | author=Dan Primack | date =May 23, 2013 | publisher =CNN Money | accessdate= June 13, 2013}}</ref> In May 2013 the financial technology startup raised USD $7.7 million (7.5 million Swiss francs) from its parent company.<ref name=one /><ref name=two /><ref name=three /><ref name=nine>{{cite web | url=http://www.gruenderszene.de/news/numbrs-centralway | title=Numbrs erhält sechs Millionen | author=Georg Räth | date =May 15, 2013 | publisher =Gründerszene | accessdate= June 13, 2013}}</ref><ref name=ten>{{cite web | url=http://www.deutsche-startups.de/2013/05/14/5-neue-deals-7trends-enamora-numbrs-shareifyoulike-tanked-namshi/ | title=5 neue Deals: 7trends-Enamora, Numbrs, Shareifyoulike, Tanked, Namshi | author=Karl Müller | date =May 14, 2013 | publisher = Deutsche-Startups.de| accessdate= June 13, 2013}}</ref> The [[Series A round|Series A funding]] round is being used for the company’s German launch.<ref name=one /> Also in May 2013, the company announced that it was planning to launch in the [[UK]], [[Switzerland]], [[Singapore]], and [[Hong Kong]].<ref name=one /><ref name=two /><ref name=three /><ref name=eight /> In October 2013 Numbrs announced to launch the app in the US market as well. |
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==Product== |
==Product== |
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<!-- Deleted image removed: [[File:Tuv-app.png|thumbnail|right|TÜV Saarland Certification]] --> |
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The Numbrs [[online banking]] application is designed to interface with a user’s bank accounts and present an [[Aggregate data|aggregated]] view of all relevant data.<ref name=one /> In addition to viewing a collection of bank account information, users can receive transaction notifications and are able to process transactions and pay bills via their mobile devices.<ref name=one /><ref name=eight /><ref name=thirteen>{{cite web | url=https://www.numbrs.com/uk | title=Numbrs Official Website | author= | date =2013 | publisher = Numbrs AG| accessdate= June 13, 2013}}</ref> Transactions are automatically categorized, providing a record of income and expense habits.<ref name=three /><ref name=eight /> |
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At the moment, Numbrs supports more than 3,500 banks.<ref name=three /><ref name=eight /> |
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The company’s only product consists of a [[mobile banking]] [[app]] that enables users to manage any number of [[bank account]]s and handle banking transactions. Launched in 2014, the app also allows users to classify [[expenditure]] items and prepare [[financial plan]]s.<ref>{{cite web|title= Die neuen Apps fürs Online-Banking |url=http://www.faz.net/aktuell/finanzen/meine-finanzen/sparen-und-geld-anlegen/konten-bei-unterschiedlichen-banken-mit-einer-app-verwalten-das-geht-jetzt-aber-ist-es-auch-sicher-12933595.html | publisher= Meine Finanzen}}</ref><ref>{{cite web|title= Centralway Numbrs macht die Kontoführung mobil |url=https://www.welt.de/print/welt_kompakt/webwelt/article134245107/Centralway-Numbrs-macht-die-Kontofuehrung-mobil.html | publisher= Welt }}</ref><ref>{{cite web|title= Numbrs Will Bankfilialen Obsolet Machen|url=https://www.boersen-zeitung.de/index.php?li=1&artid=2014083011 | publisher= Boersen Zeitung }}</ref> |
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Numbrs complies with banking privacy standards and utilizes [[SSL encryption|Secure Socket Layers]] (SSL) encryption for all of its communication.<ref name=thirteen /> |
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Since early 2017, users are able to compare the terms of various banking-related offers and can apply for an account, a [[loan]] or a [[credit card]] directly via the [[app]].<ref>{{cite web|title= N26-Konkurrent: Numbrs Meldet Sich Mit Mobiler Finanzplattform zurück|url= http://t3n.de/news/numbrs-store-n26-konkurrent-782222/ | publisher= T3N }}</ref> Consequently, banks can make their products available on the platform via existing [[Application programming interface]]s (APIs). Centralway Numbrs generates revenues by brokering financial products of banking partners via its [[app]].<ref>{{cite web|title= Dubai’s Sovereign Wealth Fund Invests in Swiss-made Banking App Centralway Numbrs|url=https://techcrunch.com/2017/01/10/the-investment-corporation-of-dubai-centralway-numbrs/ | publisher= Techcrunch }}</ref> The application has been downloaded over 1.5m times, and is currently one of [[Germany]]’s most popular [[mobile banking]] [[apps]].<ref>{{cite web|title= Schweizer Fintech Startet in Deutschland Mit Mobiler Banken-Plattform|url=http://www.finews.ch/news/banken/25735-centralway-numbrs-plattform-banken | publisher= Finews }}</ref><ref>{{cite web|title= Centralway Numbrs macht die Kontoführung mobil |url=https://www.welt.de/print/welt_kompakt/webwelt/article134245107/Centralway-Numbrs-macht-die-Kontofuehrung-mobil.html | publisher= Welt }}</ref> |
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In November 2013 Numbrs received the [[TÜV Saarland]] certification that proves the security of the application.{{citation needed|date=February 2015}} |
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Centralway Numbrs cooperates with the [[Deutsche Bank]] Group (Postbank and Norisbank),<ref>{{cite web|title= Postbank und Norisbank kooperieren mit Centralway Numbrs |url=http://www.kreditwesen.de/bank-markt/ergaenzende-informationen/bank-markt-meldungen/postbank-norisbank-kooperieren-centralway-numbrs-id37425.html | publisher= KreditWesen }}</ref><ref>{{cite web|title= Neue Partner und neuer CEO für Numbrs |url=http://www.startupticker.ch/en/news/march-2017/neue-partner-und-neuer-ceo-fur-numbrs | publisher= Startup Ticker }}</ref> and has raised $125 millions from investors including [[Sir Ronald Cohen]], [[Josef Ackermann]], [[Alan Howard (hedge fund manager)]], and the [[Investment Corporation of Dubai]].<ref>{{cite web|title= Dubai’s sovereign wealth fund invests in Swiss-made banking app Centralway Numbrs|url=https://techcrunch.com/2017/01/10/the-investment-corporation-of-dubai-centralway-numbrs/ | publisher= Techcrunch }}</ref> The company is headquartered in [[Zurich]] ([[Switzerland]]) and has 150 employees.<ref>{{cite web|title= 50 Millionen Funding und eine hohe Bewertung – was tut sich bei der Banking-App Numbrs? |url=http://www.gruenderszene.de/allgemein/numbrs-martin-saidler-interview | publisher= Gruender Szene }}</ref> The company’s [[CEO]] is Oyvind Oanes, and the company’s founder (and [[Executive chairman]]) is [[Martin Saidler]].<ref>{{cite web|title= Fintech Centralway Numbrs organisiert die Führung neu |url=http://www.finews.ch/news/finanzplatz/26395-centralway-oyvind-oanes-martin-saidler | publisher= Finews }}</ref> |
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==Criticism== |
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The application’s Future Timeline functionality analyzes patterns such as incoming and outgoing payments to make predictions about a user’s financial future.<ref name=one /><ref name=two /><ref name=eight /> |
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In 2015 German [[consumer]] [[magazine]] [[Finanztest]] gave the [[app]] a score of “unsatisfactory” on account that the company was allegedly able to record and transmit consumer data.<ref>{{cite web|title= Banking für die Hosentasche |url= http://www.handelsblatt.com/unternehmen/banken-versicherungen/finanz-app-numbrs-finanztest-benotet-numbrs-mit-mangelhaft/12656422-2.html | publisher= Handelsblatt }}</ref> The criticism was later refuted in an interview with Tech magazine Gründerszene.<ref>{{cite web|title= 50 Millionen Funding Und Eine Hohe Bewertung |url= http://www.gruenderszene.de/allgemein/numbrs-martin-saidler-interview | publisher= Gründerszene }}</ref> |
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==References== |
==References== |
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{{Reflist|30em}} |
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[[Category:Financial software]] |
[[Category:Financial software]] |
Revision as of 08:30, 14 March 2017
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Company type | Aktiengesellschaft |
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Industry | Mobile banking |
Founded | 1999 |
Headquarters | |
Area served | Germany |
Key people | Oyving Oanes (Chief Executive officer); Martin Saidler (Executive Chairman and founder |
Owner | Centralway |
Number of employees | 150 |
Parent | Centralway |
Website | www |
Centralway Numbrs is a Swiss technology company based in Zurich, Switzerland. The company is best known for its mobile banking app Centralway Numbrs.[1][2][3] The application allows users to conduct transactions, track spending, pay bills, and predict future income and expenses.[4][5][6][7] It supports all major banks, and is compatible with iOS and Android.[4][5][6][8] The company was founded in 2011 by entrepreneur Martin Saidler.[9][10][11] According to Finanz and Wirtschaft, Centralway Numbrs is currently one of the highest valued fintechs in Europe.[12][13]
Product
The company’s only product consists of a mobile banking app that enables users to manage any number of bank accounts and handle banking transactions. Launched in 2014, the app also allows users to classify expenditure items and prepare financial plans.[14][15][16]
Since early 2017, users are able to compare the terms of various banking-related offers and can apply for an account, a loan or a credit card directly via the app.[17] Consequently, banks can make their products available on the platform via existing Application programming interfaces (APIs). Centralway Numbrs generates revenues by brokering financial products of banking partners via its app.[18] The application has been downloaded over 1.5m times, and is currently one of Germany’s most popular mobile banking apps.[19][20]
Centralway Numbrs cooperates with the Deutsche Bank Group (Postbank and Norisbank),[21][22] and has raised $125 millions from investors including Sir Ronald Cohen, Josef Ackermann, Alan Howard (hedge fund manager), and the Investment Corporation of Dubai.[23] The company is headquartered in Zurich (Switzerland) and has 150 employees.[24] The company’s CEO is Oyvind Oanes, and the company’s founder (and Executive chairman) is Martin Saidler.[25]
Criticism
In 2015 German consumer magazine Finanztest gave the app a score of “unsatisfactory” on account that the company was allegedly able to record and transmit consumer data.[26] The criticism was later refuted in an interview with Tech magazine Gründerszene.[27]
References
- ^ "Die Neuen Apps Fürs Online-Banking". Frankfurter Allgemeine Zeitung.
- ^ "Centralway Numbrs macht die Kontoführung mobi". Die Welt.
- ^ "Multibanking-App mit ambitionierten Plänen". Börsen-Zeitung.
- ^ a b Steve O'Hear (May 22, 2013). "Aiming To Be The Mobile Banking App To Rule Them All, Numbrs Stashes $7.7M Of Fresh Funding". TechCrunch. Retrieved June 13, 2013.
- ^ a b "Banking app Numbrs has raised 7.5 million Swiss francs ($7.7 million) from its parent company Centralway. The app is currently available for download in Germany". pandodaily. May 22, 2013. Retrieved June 13, 2013.
- ^ a b "Numbrs, le PFM qui veut remplacer la banque". cBanque. May 22, 2013. Retrieved June 13, 2013.
- ^ "Company Overview of Numbrs AG". Bloomberg Businessweek. 2013. Retrieved June 13, 2013.
- ^ "Numbrs raises EUR6.1m for mobile app connecting bank accounts". Finextra. May 14, 2013. Retrieved June 13, 2013.
- ^ "7 Fragen an Julien Arnold, Gründer und CEO Numbrs". Fintech.
- ^ "Die Welt braucht nicht noch eine Bank". HandelsBlatt.
- ^ "When is a bank not a bank?". Globes.
- ^ "Staatsfonds von Dubai steigt bei Schweizer Fintech ein". Finanz und Wirtschaft.
- ^ "Die neuen Apps fürs Online-Banking". Meine Finanzen.
- ^ "Die neuen Apps fürs Online-Banking". Meine Finanzen.
- ^ "Centralway Numbrs macht die Kontoführung mobil". Welt.
- ^ "Numbrs Will Bankfilialen Obsolet Machen". Boersen Zeitung.
- ^ "N26-Konkurrent: Numbrs Meldet Sich Mit Mobiler Finanzplattform zurück". T3N.
- ^ "Dubai's Sovereign Wealth Fund Invests in Swiss-made Banking App Centralway Numbrs". Techcrunch.
- ^ "Schweizer Fintech Startet in Deutschland Mit Mobiler Banken-Plattform". Finews.
- ^ "Centralway Numbrs macht die Kontoführung mobil". Welt.
- ^ "Postbank und Norisbank kooperieren mit Centralway Numbrs". KreditWesen.
- ^ "Neue Partner und neuer CEO für Numbrs". Startup Ticker.
- ^ "Dubai's sovereign wealth fund invests in Swiss-made banking app Centralway Numbrs". Techcrunch.
- ^ "50 Millionen Funding und eine hohe Bewertung – was tut sich bei der Banking-App Numbrs?". Gruender Szene.
- ^ "Fintech Centralway Numbrs organisiert die Führung neu". Finews.
- ^ "Banking für die Hosentasche". Handelsblatt.
- ^ "50 Millionen Funding Und Eine Hohe Bewertung". Gründerszene.