最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化全新的互联网金融模式国际资讯基于互联网平台的金融业务

约旦开始向金融科技发力,提高银行普及率

据一家中东财经网站Wamda称:约旦和其他一些低银行普及率的国家都正努力从全球金融科技浪潮中分一杯羹。

约旦是一个收付实现制的经济体,而现在,银行和科技产业都在全力发掘金融科技的机会。去年五月,约旦中央银行(CBJ)引进了一个电子支付平台:eFawateerCom,允许用户通过ATM、POS机终端、售货亭、电脑等进行支付。Emerging Markets Payments就是eFawateerCom研发的一套电子支付服务系统。

今年二月上旬成立的GreenWallet是一个在线借贷平台。平台借助一套自有打分系统来评估用户的信用等级,实际借款需求从响应到完成只需要15分钟。

国际汇兑是一大挑战

GreenWallet创始人Ali Tabbalat称,创立公司的初衷主要是为了帮助解决金融服务的国际覆盖度低的问题。全球有25亿人没有获得金融服务的正式渠道,其中大部分都分布在中东和非洲。

正如许多其他中东北非系国家,约旦也有大部分“非银”人口。整个国家只有24%的居民拥有银行账号,享受过信用服务的则更少。

为什么会发生这些问题?主要还是因为传统银行提供服务的成本过高。在这些地区,开设银行账户的难度、分支机构的缺乏以及官僚体系的制度障碍等都使得银行的普及变得十分昂贵。

拥抱互联网的约旦

约旦的年轻群体数量级互联网渗透率都在高速增长。超过70%的人口年龄在30岁以下,超过86%的人群使用互联网。这意味着至少在消费领域,对能够替代现货市场的信用市场需求还是非常旺盛的。

约旦的经济部分依赖于国际汇兑。2015年总共有9亿美金的款项汇入国家。约旦大部分高素质劳工都流动到海湾国家或者国外其他地区去谋求更高薪的职业,对这部分人而言,电汇手续费高达汇款的10%。

所以说,金融科技势在必行。

像EMP,GreenWallet和Madfoo3atCom这样的创业公司提供了一系列解决方案来改善金融业的现状。除了Madfoo3atCom之外,还有很多公司希望变革约旦的支付体系。

PayFellow是一个电子支付提供商。

Middle East Payment Services(MEPS),同时在约旦、伊拉克以及巴勒斯坦开展业务,通过和当地银行合作提供移动支付的安全验证、ATM管理以及信用卡、借记卡购买等服务。

移动支付和电子支付公司主要希望能够更新现有的基础设施;其他初创企业则主要关注金融服务和行业的新模式的产生。

P2P借贷和众筹提供了线上融资的新选择。类似MENA的公司开始致力于提供替代融资方案以应对地区动荡导致的外国投资人和当地银行投资借贷意愿低的问题。

伊斯兰系投资

“伊斯兰系”投资和众筹平台Liwwa则提供了一种融资方案作为GreenWallet的补充。

Liwwa的平台架构设计能够让投资人在平台上通过融资租赁的结构获得固定收益,由于在实际操作中不包含利息和股权投资,Liwwa一直保持伊斯兰架构。

另一个创业公司Financial Engineers主要的目标是改变公司和个人自主理财的方式。Financial Engineers的核心竞争力主要在两方面:金融规划、分析和报告的重新设计以及金融服务过程自动化设计。

数据搜集和大数据虽然不完全属于金融领域,但仍然对这个行业产生着重大影响。Engage Master为公司提供数据驱动的营销解决方案和网页分析接口,可以让公司更有针对性地帮助其客户适应电子支付和商务系统。

当地的一些创业孵化器已经开始对金融科技显现出兴趣,但是这个领域的巨头仍未出现。GreenWallet和Madfoo3atCom都在Oasis500,一个商业孵化器的投资组合中;MENA Apps则主要支持了Payfellow和MEPS。

Tabbalat指出:约旦仍然是一个现金制的国家,但是未来几年发展用户友好的支付手段和技术的前景实在不可估量。

Jordan, a country with a cash-based economy, is among those countries with a large unbanked population that is seeing its fair share of fintech innovation, according to Wamda, a Mideast financial news site. Both the banking and technology industries have recognized the fintech opportunity.

The Central Bank of Jordan (CBJ) last May introduced an electronic payment platform called eFawateerCom to allow people to pay bills from ATMs, POS terminals, kiosks, and computers. Emerging Markets Payments (EMP) is an e-payment service provider developed by eFawateerCom.

GreenWallet, an online lending platform that allows users to request and receive a loan within 15 minutes, launched in early February. The system uses a proprietary scoring formula that determines a user’s creditworthiness.

Global Remittance A Challenge

Ali Tabbalat, who developed GreenWallet, said he wanted to start a fintech company since he believes it can help solve the global challenge of financial inclusion. He said more than 2.5 billion people globally have no access to formal financial services, and a large portion are in the Middle East and Africa.

Jordan, like many Middle Eastern and North African (MENA) countries, has a lot of unbanked people. About 24 percent of the people have a bank account, Tabbalat said, and fewer have access to credit.

The problem in Jordan includes the cost of starting a bank account, the paucity of bank branches in rural areas, and bureaucratic barriers. Traditional banks find it costly to bank many of the people.

Jordan Embraces Internet

Jordan has a rising youth population and a growing rate of Internet penetration. More than 70% of the population is under the age of 30, and 86% of the population uses the Internet, which indicates a big consumer market is emerging that is prone to seek alternatives to a cash-based lifestyle.

The Jordanian economy is also dependent in part on remittances, with about $900 million transferring back to the country in 2015. Many of the country’s highly-skilled laborers move to the Gulf States and abroad for better-paying jobs. For these laborers, sending funds back home incurs wire transfer fees as high as 10%.

Fintech is positioned to address such issues.

Entrepreneurs such as EMP, GreenWallet, and Madfoo3atCom offer a variety of ways to challenge the financial status quo. There are startups besides Madfoo3atCom seeking to innovate payments in Jordan.

PayFellow is an e-payment provider.

Middle East Payment Services (MEPS), which works in Iraq and Palestine in addition to Jordan, works with regional banks to provide secure payment processing services for mobile payment services, ATM management and credit and debit card purchases.

Mobile payment and e-payment firms seek to update the existing infrastructure. Other Jordanian startups look to create new financial services and industries.

Peer-to-peer lending and crowdfunding are options for those looking to raise funds via the Internet. Companies like MENA have emerged to offer alternative fundraising options in light of regional turmoil that scares foreign investors and many banks’ lack of willingness to make loans.

Sharia-Compliant Investing

Liwwa, a Shiria-compliant investing and crowdfunding platform, offers an alternative lending option, in addition to GreenWallet.

Liwwa is designed so that investors on the platform get a return on a regular schedule based on a lease-to-own structure. Since there is no interest or equity in the equation, Liwwa remains Sharia-compliant.

Financial Engineers, another startup, addresses the need to change the way companies and individuals manage money. Financial Engineers specializes in reengineering financial planning, analysis and reporting, along with a finance-related process automation.

Data collection and big data, while not exclusively fintech, also impact the finance industry. Engage Master offers companies access to data-driven marketing and web analytics, both of which can help companies prepare consumers to adopt e-commerce and e-payments.

The local funding apparatus has shown an interest in fintech, but a leading player has yet to emerge. Both GreenWallet and Madfoo3atCom are part of the Oasis500 portfolio, a business incubator, while MENA Apps supports Payfellow and MEPS.

Tabbalat noted that Jordan is still a cash-based economy, but the potential to adopt user-friendly, innovative payment solutions will have strong growth potential in the coming years.


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评论

  • 张怡辰在 2016/03/24 11:26回复

    So talented columnist. Feels like too good to be true :P

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