印度:金融科技大发展,监管支持是关键 - 互联网金融门户 未央网

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国际资讯监管与政策

印度:金融科技大发展,监管支持是关键

国际资讯监管与政策

印度:金融科技大发展,监管支持是关键

金融科技是近年来金融产业的一股新兴力量,主要涉及数字支付、替代征信评分、大数据和区块链等多种颠覆性技术。就目前的趋势来看,这些技术将推动全球金融产业实现全面转型,而这对像印度这样农村人口和无银行账户人口众多的国家来说尤其如此。

近日,India Fintech Opportunities Review委托Yes Bank对数百家印度当地和国际金融科技公司展开了一项调查,看看业界自身究竟如何看待这个行业的未来发展。

调查显示,印度的金融科技产业才刚刚起步:目前印度全国共有1200多家运营中的金融科技创企,大部分企业的开设时间等于或少于3年,员工人数平均规模为14人。几乎所有公司都由拥有科学、技术、工程或数学(后文简称STEM)背景,而且大多数创始人的企业家不到40岁。

虽然这个行业还很年轻,但印度金融科技产业已经涉及支付、数字财富管理、贷款和机器自动化流程等多个领域。

绝大多数调查受访者表示,专注于技术开发和编码的员工是其团队的核心力量。在一个拥有强大的STEM人才库的国家,人力资本被视为一种力量。然而,近四分之三的被调查者认为该国金融科技产业缺乏更加具有深度的专业知识,而这可能会阻碍这一产业将来在印度的发展。

对此,88%的初创企业表示他们希望获得政府资助的联合研究区,而87%的企业希望获得监管沙箱。与此同时,85%的公司希望金融科技注册管理机构能够更好地了解部门并加速对概念验证的资助。

而India Fintech Opportunities Review也认为,支持这一行业发展非常重要,因为“金融科技能够帮助印度创造就业,而这才是目前印度面临的最大挑战和机遇。而未来,金融科技还可能因此而推动GDP增长并利用未来技术改造农业、教育和医疗保健等关键部门”。

India's nascent fintech sector has huge potential but requires a supportive regulatory environment and investment in human talent to flourish, a new report commissioned by Yes Bank suggests. In a country with a large unbanked and rural population but also strong technology sector, fintech - in the guise of digital payments, alternative scoring methods, big data and forays into blockchain - has emerged as a potential tool for transforming the economy.

Based on a survey of hundreds of local and international fintech firms, the Yes Bank-commissioned India Fintech Opportunities Review, investigates the current landscape and how the industry sees its potential future.

Fintech in India is largely a nascent sector: there are more than 1200 firms operating in the country but most have only been in business for three years or less and the median number of employees is just 14. Almost all of the companies have been founded by entrepreneurs with STEM backgrounds and a majority of founders are under 40.

While the industry is still young, Indian fintech is not just about payments, with the survey showing that areas such as digital wealth management, lending and robotics process automation are gathering momentum.

The vast majority of survey respondents say that employees focused on technology development and coders are the core of their workforce. In a country with a strong STEM talent pool, human capital is seen as a strength. However, nearly three quarters of those quizzed feel there is a lack of "deep tech" expertise which could hinder growth.

To help the sector grow, 88% of startups say that they want a government-funded co-working and joint research zone, while 87% want a regulatory sandbox. Meanwhile 85% want a fintech registry to develop better sector understanding and accelerate proof-of-concept funding.

Supporting the sector is important, argues the review, because "fintech has the potential to answer India’s greatest challenges and opportunities - creating jobs, boosting GDP and using future technology to transform key sectors like agriculture, education and healthcare".


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