印尼机器人顾问应用程序Bibit获3000万美元融资，由红杉资本印度公司领投

Bibit是一个机器人顾问应用程序，希望使投资在印尼更容易进行，它已经从红杉资本印度公司筹集了3000万美元。回头投资者East Ventures，EV Growth，AC Ventures和500 Startups也参加了。

这笔资金是增长轮融资，是在Bibit 2019年5月的A轮融资之后进行的。该公司首席执行官Sigit Kouwagam告诉TechCrunch，到目前为止，该公司的总资金已达到4500万美元。

作为Stockbit Group的一部分，Bibit大约90％的用户是千禧一代和首次投资人。像其他机器人顾问一样，Bibit的目的是使创建适合每个人的风险状况和投资目标的投资组合变得更加容易。印度尼西亚对零售投资产品需求增长的其他投资应用包括Bareksa和由SoftBank Ventures支持的Ajaib。

Bibit声称，在过去的一年中，它已经注册了超过一百万的首次投资者。作为市场潜力的一个例子，该公司引用了印尼证券交易所和印尼中央证券存管所的数据，该数据显示该国散户投资者的数量在2020年同比增长了56％，其中约92％的新投资者年龄在2020年。介于21至40岁之间。但只有约2％的印尼人参与了股票市场。

库瓦甘姆说，大多数印尼人将钱投资在定期存款银行账户中，或留在低收益支票账户中。

他补充说：“传统上，他们也投资房地产或实物金条，但千禧一代和Z世代投资者正在转向“收益率更高的流动性投资，这些投资也易于管理，并且可以从较小的入场券开始。”

这种大流行还促使更多的用户建立了应急基金，越来越多的印尼人将目光投向资本市场，寻求高收益资产，以替代低息银行账户。

Indonesian robo-advisor app Bibit raises $30 million led by Sequoia Capital India

Bibit, a robo-advisor app that wants to make investing more accessible in Indonesia, has raised $30 million from Sequoia Capital India. Returning investors East Ventures, EV Growth, AC Ventures and 500 Startups also participated.

This funding is a growth round and comes after Bibit’s May 2019 Series A. It brings the company’s total funding so far to $45 million, chief executive officer Sigit Kouwagam told TechCrunch.

Part of Stockbit  Group, about 90% of Bibit’s  users are millennials and first-time investors. Like other robo-advisors, the aim of Bibit is to make it easier to create a portfolio tailored to each person’s risk profile and investment goals. Other investment apps in Indonesia tapping into growing demand for retail investment products include Bareksa and SoftBank Ventures-backed Ajaib.

Bibit claims that over the past year, it has registered more than one million first-time investors. As an example of market potential, the company cites data from the Indonesian Stock Exchange and Indonesia Central Securities Depository that showed the number of retail investors in the country grew 56% year-over-year in 2020, with about 92% of new investors aged between 21 to 40. But only about 2% of Indonesians have participated in the stock market.

Kouwagam said most Indonesians invest their money in term deposit bank accounts or leave it in low-yield checking accounts.

“Traditionally, they also invest in real estate or physical gold bars,” he added, but millennial and Gen Z investors are shifting toward “higher-yielding liquid investments that are also convenient to manage and can be started with a lower ticket size.”

The pandemic has also prompted more users tp build an emergency fund, with more Indonesians looking at the capital market for higher-yielding assets as an alternative to low-interest bank accounts.