盡管市面上已經有大量的移動應用程序幫美國人管理預算，但如果有人帶著“滿滿一鞋盒文件”去申請抵押貸款還是正常現象。上周四《財富》雜志在紐約蒙托克舉辦的首屆頭腦風暴金融活動上，金融科技初創公司Plaid的首席執行官扎克·佩雷特如是說道。

Plaid之類的硅谷初創公司有望提供新解決方案，解決金融領域過時的操作，不過一些在全球規模更大更傳統的銀行也在努力創新金融服務。與佩雷特同臺出席會議的還有幾位華爾街代表： 摩根士丹利的董事總經理兼業務轉型主管西格爾·扎米，以及高盛旗下消費者在線銀行Marcus的產品主管亞當·戴爾。

戴爾表示：“我真心相信，高盛在推動該行業進步方面具有獨特的地位，就像亞馬遜革新零售業、Uber革新交通出行、蘋果革新音樂行業一樣。”去年Marcus收購了利用人工智能和機器學習創建個性化金融工具的應用Clarity Money，便是推進的具體舉措之一。

與此同時，摩根士丹利的扎米表示，每年要看1000多家初創企業，尋找合作機會。“我們評估產品，也會就發展路線提供建議，以及我們對發展路線是否符合當下環境怎么看？”她說，“提出問題，不斷從問題中學習。”她舉了視頻會議公司Zoom的例子，“我們認為，技術能夠真正改變與客戶互動的方式。”

佩雷特的Plaid也想抓住機遇。他說公司已經與超過15000多家銀行合作，提供后臺應用程序和相關工具開發服務。“公司宗旨是：讓每個人都更容易賺錢。”他說，“我們相信應該向消費者提供更多產品和工具，也提供更多選擇。”（財富中文網）

譯者：艾倫

審校：夏林

Despite a slew of mobile apps designed to help us budget better, it still wouldn’t be considered shocking to bring “a shoebox full of documents” to apply for a mortgage. That’s according to fintech startup Plaid CEO Zach Perret, who spoke at Fortune’s inaugural Brainstorm Finance event in Montauk, N.Y., on last Thursday.

A Silicon Valley startup like Plaid would be expected to work on solutions to this antiquated behavior, but some of the bigger and more traditional banks in the world are working to innovate financial services as well. Joining Perret on stage at the conference were a couple of representatives from Wall Street: Sigal Zarmi, managing Director and head of transformation at Morgan Stanley, and Adam Dell, head of product at Marcus by Goldman Sachs, an online bank for consumers.

“I really believe that Goldman Sachs is uniquely positioned to push the industry forward in the same way that retail has been transformed by Amazon, Uber has transformed transportation, Apple’s transformed music,” Dell said. One proponent of this push is Marcus’ acquisition last year of Clarity Money, an app that using artificial intelligence and machine learning to create personalized finance tools.

Meanwhile, Zarmi from Morgan Stanley says the company is looking at more than a 1,000 startups a year for potential partnerships. “We are evaluating the product. We are giving them advice on the roadmap, how do we see the roadmap fitting within our environment?” she explains. “Asking questions, learning from them.” A recent example she mentions is Zoom, a video conferencing company. “We think that technology can really change the way we interact with our customers and clients.”

Perret’s Plaid wants to be in the middle of it. His says the company has integrated with over 15,000 banks working on backend development on apps and related tools. “We have a unifying theory: Make money easier for everyone,” he says. “We believe in giving consumers more access to products, tools, choices.”