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她54岁辞职,开办了一家新型银行

她54岁辞职,开办了一家新型银行

Claire Zillman 2020-11-17
安妮•博登出身普通,却把开银行作为一生的事业。

2018年柏林TechCrunch Disrupt Berlin论坛上,Starling Bank首席执行官安妮•博登发表讲话。她54岁时创立Starling,打破了金融科技创业圈的成见。图片来源:NOAM GALAI—GETTY IMAGES FOR TECHCRUNCH

“我早就做好失败的打算了。”安妮•博登深知,自己与人们想象中的金融科技企业家并不一样。

“我是女性,身高1米5。我是威尔士人。人到中年。家庭出身非常普通,而且我在女厕所随便就能跟别人聊天!”她说。

但这一切并未妨碍她创业。她说:“我已经准备好迎接失败,当时我54岁,很自信也不在乎别人说我傻。”

博登创立了不设分支机构的英国银行Starling,目前已经有180万个客户和1000多名员工。最近她向《卫报》(Guardian)介绍了创业历程,仿佛三幕剧中的第二幕一样起伏不断,很是吸引人。

她刚开始工作时在伦敦的劳埃德银行(Lloyds),后来在爱尔兰联合银行(Allied Irish Banks)担任首席运营官。2008年金融危机改变了她对银行业的看法。因为当时银行业面临经济大衰退和技术进步,还是以同样方式经营,业务模式完全照旧。

2014年,她辞去工作创办新型银行。新银行里没有官僚作风,开户非常容易,通知很及时,随时可享受客户服务。她花了数月为实现愿景寻找支持。好不容易找到了商业伙伴,后来却离她而去,其他刚起步的团队成员也选择离开。2015年末她终于迎来突破,说服亿万富翁哈拉尔德•麦克皮克投资4800万英镑。2016年Starling获得银行执照。

博登承认,银行是她一生追求的事业,也承认自己违背了社会的期望。她说:“我事业发展挺顺利,也做了很多事。迄今获得的成绩我觉得很骄傲,我希望告诉更多女性,不必墨守成规一样能够快乐和成功。”(财富中文网)

译者:冯丰

审校:夏林

“我早就做好失败的打算了。”安妮•博登深知,自己与人们想象中的金融科技企业家并不一样。

“我是女性,身高1米5。我是威尔士人。人到中年。家庭出身非常普通,而且我在女厕所随便就能跟别人聊天!”她说。

但这一切并未妨碍她创业。她说:“我已经准备好迎接失败,当时我54岁,很自信也不在乎别人说我傻。”

博登创立了不设分支机构的英国银行Starling,目前已经有180万个客户和1000多名员工。最近她向《卫报》(Guardian)介绍了创业历程,仿佛三幕剧中的第二幕一样起伏不断,很是吸引人。

她刚开始工作时在伦敦的劳埃德银行(Lloyds),后来在爱尔兰联合银行(Allied Irish Banks)担任首席运营官。2008年金融危机改变了她对银行业的看法。因为当时银行业面临经济大衰退和技术进步,还是以同样方式经营,业务模式完全照旧。

2014年,她辞去工作创办新型银行。新银行里没有官僚作风,开户非常容易,通知很及时,随时可享受客户服务。她花了数月为实现愿景寻找支持。好不容易找到了商业伙伴,后来却离她而去,其他刚起步的团队成员也选择离开。2015年末她终于迎来突破,说服亿万富翁哈拉尔德•麦克皮克投资4800万英镑。2016年Starling获得银行执照。

博登承认,银行是她一生追求的事业,也承认自己违背了社会的期望。她说:“我事业发展挺顺利,也做了很多事。迄今获得的成绩我觉得很骄傲,我希望告诉更多女性,不必墨守成规一样能够快乐和成功。”(财富中文网)

译者:冯丰

审校:夏林

- 'I was prepared to fail.' Anne Boden knows she is not who you imagine when you think of a fintech entrepreneur.

"I’m a woman. I’m 5ft tall. I’m Welsh. I’m middle-aged. I’m from a very ordinary background and I’m the sort of person who’ll chat to somebody in the ladies [room]!” she says.

But that didn't stop her. "I’d reached the stage where I was prepared to fail," she says. "I was 54 and confident enough not to care if somebody said I was stupid."

Boden founded Starling, the branchless U.K. bank that now has 1.8 million customer accounts and a staff of more than 1,000. She recently talked to the Guardian about her startup journey, and it's the sort of second-act story that will stick with you.

She started her corporate career at Lloyds in London and later became COO of Allied Irish Banks. The 2008 financial crisis changed her perspective on banking. Even with the Great Recession and technological advances, banks kept operating in the same way; it was business as usual.

She left her job in 2014 to launch a new kind of bank; one without bureaucracy, where opening an account was easy, notifications were instant, and customer service was always available. She spent months trying to drum up support for her vision. She found a business partner, but later lost him and other members of their fledgling team. Her breakthrough came in late 2015 when she convinced billionaire Harald McPike to invest 48 million pounds in her business. Starling got its banking license in 2016.

Boden admits that the bank is her whole life and embraces the fact that she's bucked the expectations society set for her. “I’ve had a great career. I’ve done lots of stuff. I’m proud of what we’ve built," she says. "I wish I could help more women understand that you don’t have to conform to the stereotype to be happy, to be successful."

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