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泰国拟借助“any ID”方式建立全国性支付系统

近日,泰国国家电子支付小组的一位成员表示,此次泰国全国电子支付系统完全部署完成后,泰国金融基础设施发展将会再向前推进5到10年。

据悉,首个“any ID”服务将在九月开放。

支付小组下属委员会成员、Acscend集团首席执行官Punnamas Vichitkuwongsa表示,得到内阁支持的全国电子支付系统主方案将在增强金融系统的效率与透明度的同时,帮助政府创造更多税收。

国家电子支付委员会由泰国副总理Somkid Jatuseipitak领导,其任务是让经济朝着更少依赖现金的数字化方向发展。

当该电子支付系统在2017年完全推广后,估计每年可以为银行与商家节省约750亿泰铢。人们可以通过手机方便地获取金融服务,而住在偏远地区的人们将成为主要受益者。

每个泰国人都将拥有一个13位身份编码,该编码可以用于转账、支付账单和其他交易。

“any ID”计划同时还包括了手机号与电子钱包,泰国希望这一计划能够提高政府透明度,提高增值税与所得税的征收能力,并且为低收入者提供金融支持。

Punnamas表示,当下泰国银行协会正在建立通用电子平台,为参与的银行和非银行机构提供更方便的替代支付方式,这样未来人们就可以使用any ID功能支付水电费账单等一系列费用。这样一种共同协作的框架,与绝大多数银行加入国家ATM网络十分相似。

除此之外,政府还将使用any ID功能为公众提供期待已久的更高效的医疗和交通等服务。

他表示:“目前,泰国90%的金融交易仍由现金完成。使用现金有很多的隐藏成本,现金管理费用大约占2%-3%。”

“瑞典已经宣布将通过转向使用数字货币来成为100%无现金的社会。如果我们成功部署了国家电子支付系统,我们就会在金融与支付基础设施领域取得5到10年的跨越性发展。”

人们希望国家电子支付系统能够提高国家的国际竞争力,因为人们认为更加透明高效的支付基础设施能够对电子商务和其他数字经济领域有所裨益。

根据世界经济论坛的说法,电子支付能够帮助降低商务费用、减少腐败,让做生意变得更容易。

作为泰国电子支付协会的主席,Punnamas表示该组织中有19家公司提供数字支付服务,包括电信、社交媒体和支付等多个领域。

越南全国范围的4G网络预期于今年开始运行,这将进一步促进电子支付与电子商务的发展,因为4G手机网速是3G的5倍。而目前有45%的泰国人在使用3G网络。

Punnamas认为,受益于更快的移动网络,在蜂窝数据网络中进行的电子商务交易数量,将比在家中和办公室的Wi-Fi网络中进行的还多。

他还表示,这将让电子商务运营商能够向顾客提供更加方便与个性化的购物体验,同时也为顾客提供更多电子支付途径,因为出于安全考虑,泰国人仍不愿意使用信用卡。

目前,大多电子交易是账单支付、电信预付卡服务以及在线购买实体及虚拟商品。

A NATIONAL e-payment system will advance Thailand's financial infrastructure by another five to 10 years once it is fully implemented, a member of the national e-payment panel said.

The first "any ID" service will be available around September.

Subcommittee member Punnamas Vichitkulwongsa, chief executive of the Ascend Group, said the Cabinet-approved master plan for the national e-payment would increase the transparency and efficiency of the financial system while helping the government collect more taxes.

The national e-payment committee, headed by Deputy Premier Somkid Jatusripitak, is tasked with moving the economy towards a digital future with less reliance on the use of cash.

When the e-payment system is fully operational in 2017, it is estimated the cost-savings for banks and businesses will be around Bt75 billion per year while people, especially those in remote areas, will benefit from easier access to financial services via their mobile phones.

Each person will have a 13-digit ID number for money transfers, bill payments and other transactions.

It is expected the Any ID programme, which also covers mobile phone numbers and electronic purses, will boost government transparency and provide financial assistance to low-income earners while increasing the collection of taxes that include value-added and withholding.

Punnamas said people would be able to use the Any ID feature to pay water and electricity bills, among others, as the Thai Bankers Association was building a common electronic platform for all participating bank and non-bank entities to provide more convenient payment alternatives.

Such a cooperative framework is similar to the national ATM network participated in by most commercial banks.

In addition, the government will use the Any ID feature to provide the public with what is expected to be more efficient healthcare and transport services, as well as other services.

"At present, cash still accounts for more than 90 percent of all financial transactions and payments in Thailand. There are a lot of hidden costs in using cash. The fees on cash management are around 2-3 percent," he said.

"Sweden has announced it aims to be a 100-per-cent cashless society by turning to use digital instead of physical money. If we're successful in implementing the national e-payment system, we'll be 5-10 years ahead [of where we would otherwise be] in terms of the financial and payment infrastructure."

The national e-payment system is expected to boost the country's international competitiveness because it is believed a more transparent and efficient payment infrastructure will also benefit e-commerce and other digital aspects of the economy.

According to the World Economic Forum, e-payment helps reduce business costs and corruption while increasing the ease of doing business.

Punnamas, who is also president of the Thai E-Payment Association, said the group had 19 member companies which provided digital payment services, including telecom, social media and payment businesses.

It is expected the availability of nationwide 4G telecom services this year will further boost e-payments and e-commerce because it will result in the Internet connection on mobile phones being around five-times faster than current 3G services.

At present, 45 per cent of the population has a 3G Internet connection.

Due to the faster mobile Internet, more e-commerce transactions will be conducted on cellular networks than on Wi-Fi at home or the office, according to Punnamas.

He said this would allow e-commerce operators to provide a more convenient and personalised shopping experience to customers, along with more choices for e-payments, since many Thais were still reluctant to use credit cards due to security concerns.

At present, most e-transactions are bill payments, pre-paid cards for telecom services and on-line purchases of both physical and digital goods.


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