金融科技在东方升起的太阳：亚洲是新的温床

Infosys总裁Mohit Joshi

The world’s banks are watching Asia interestedly. Any which way you look, Fintech momentum has now shifted to this part of our world. In 2018, global venture capital invested a record $39.57 billion in Fintech. While the United States attracted the maximum investment, this was followed closely by Asia which saw a massive 38 percent increase over the previous year. Asian countries, especially China – home to 4 of the biggest Fintech Unicorns – along with Japan and Korea are leading the world in Fintech innovation. These three nations, plus India and Taipei, accounted for nearly three-fourths of the Fintech patents filed worldwide last year.

亚洲金融科技激增的背后有几个因素，在不同市场上的表现不同。有利的市场状况，例如，年轻，数字化的人口的存在以及在没有银行的口袋中的未实现的需求，都在顶部。金融科技在技术文字中发现了其最佳位置，但财务上的市场却在经济上不足。以印度尼西亚为单位，该国一半的大量人口低于30岁，并且预计今年智能手机的渗透率将达到50％，并准备在移动设备上消费创新的金融产品。在中国和印度，这种现象已经在进行中，其中一半以上的成年人使用互联网或移动声称定期使用金融科技服务。在东南亚，愿意使用金融科技产品的庞大的无银行人口正在创造世界上增长最快的金融科技市场之一。

On the other hand, Singapore owes its Fintech success in no small measure to an open environment and a highly proactive regulator. The Monetary Authority of Singapore was adjudged “Central Banker of the Year” (for 2018) for its Fintech initiatives and performance on the financial stability and supervision front. The city-state has always been at the vanguard of digital payments, with its nearly 500 Fintech firms offering solutions ranging from peer to peer payments and money lending to cryptocurrency trading and crowdfunding.

许多亚洲国家金融处于轻ons, enabling their Fintech industry to grow without constraints. In some countries the sector has benefited from active regulatory support. In 2018, the Central Bank of the Philippines formulated a policy to increase digital payment adoption twentyfold in quick time – from 1 percent in 2017 to 20 percent by 2020. This created a flurry of payment platforms, alternative finance firms and Blockchain companies. In Vietnam, the push comes from the Government’s intention to make the economy cashless by 2020, and the unbanked consumers’ use of Fintech services to perform financial transactions. Other notable Government-led initiatives include India’s Unified Payments Interface, which has spawned a number of Fintech startups in the digital payments space, and the Hong Kong Government’s sops – funding, tax incentives, incubation facilities and Smart City project – for the Fintech sector.

Financial infrastructure has also contributed to Fintech momentum, albeit in a roundabout way. The absence – rather than existence – of a mature financial infrastructure is sparking a demand for fast and simple alternatives for exchanging money. With no legacy burden, Fintech companies have jumped on this opportunity to bring the latest digital technologies to Asia.

As the industry marches ahead, it is presenting a significant challenge to the incumbent banks. Take China, for example, where Alibaba set up its Alipay payments platform to facilitate online shopping, but quickly diversified into a hugely successful consumer loans business. TenCent (of WeChat lineage) is likewise expanding its payment service into areas such as insurance and microfinance. Banks all over Asia are responding to this phenomenon in different ways. Collaborating with Fintech, and especially BigTech, is one. Many incumbents are also setting up separate digital banking operations – DBS Bank’s digibank in India is a good example – as well as labs to produce their own Fintech-like innovations. In some countries, a group of big banks have come together to create solutions with the latest digital technologies to rival Fintech offerings. The partnership between Emirates NBD and ICICI Bank for a Blockchain-based remittance network, and India Trade Connect, a Blockchain-based trade finance network between 7 large Indian banks, are two examples of this.

每天，当我们从事业务时，我们都会与几个金融科技和大型声誉库一起工作。当我本月晚些时候参加Milken Global会议时，我很想讨论我们可能为您提供的机会，并共同找到可以执行您可能已经探索的想法的方法。很高兴向您了解更多信息，并下周在比佛利山庄分享想法。我期待在那里与您会面。

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