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

IFC发布普惠金融报告,100家企业上榜

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

IFC发布普惠金融报告,100家企业上榜

近日,世界银行组织旗下机构国际金融公司(后文简称IFC)发布了一份名为《数字时代的普惠金融》的报告。报告指出,通过创新性商业模式和产品,同时利用人工智能、大数据、数字身份和物联网等先进技术,Fintech公司极大推动了普惠金融的发展。在Fintech公司的帮助下,越来越多的个人和公司获得了如银行账户、信贷、财务规划和保险等基本金融产品和服务。

普惠金融的重要性

世界上20多亿没有获得银行服务的成年人占全球成年人口38%,这些人目前还无法获得基本的金融服务。另57%的成年人口虽然拥有基本银行账户,但却无法获得多样的投资或存款选择、低费用支付服务、核心家庭或商业保险以及信贷。

该报告指出,随之而来的财务不健康不仅仅导致了发展中国家低收入金字塔底端问题,同时也加剧了发达国家愈发严重的收入不平等局面。

实现财务安全和普惠金融是减少贫困并实现包容性经济增长的关键。此外,也可积极影响消费、就业和收入,某种程度上有利于个人身体和精神健康。

以技术为工具实现普惠金融

通过创新性商业模式和技术手段可以极大地推动消费者、小企业领域的普惠金融发展。在本次报告中,IFC重点提及了四大领域的创新:

数字支付:支付领域中的新兴公司利用电子交易、移动电话和其他科技将原本昂贵的支付服务转变为自助或自动过程。这些变化扩大了服务范围,降低了服务费用,并让之前无法获得此类服务的人口得以享受服务。

借贷和相关生态系统:Fintech公司利用替代数据来源评估那些没有官方信贷机构信用历史的借贷者的信用,并更好地预测欺诈行为。科技驱动的替代借贷平台和其他相关服务提供商大大地降低了贷款申请的时间和成本,扩大了信贷获得渠道。

存款和财务规划:数字分销和数字化接入消费者和小企业消除了一些之前阻碍存款和投资产品普及的障碍。此外,各类平台和数据分析大力提升了透明度,让消费者获得更多信息。

保险:数字分销结合大数据、数据分析和机器学习已经开始改革保险行业。保险产品现在的售价是以前通过实体中介的几十分之一。物联网又允许保险公司追踪被保产品的使用并提供更量身定制更能反映实际使用和风险的价格。

推动普惠金融发展的Fintech公司100强

报告中列出了在以上四个领域做出突出贡献的前100家Fintech公司。其中一些代表性企业包括:

支付领域:Matchmove Pay, TransferWise, Ayannah, Stripe, Iyzico, MoMo, and Adyen;

借贷和相关生态系统领域:Branch, Capital Float, Fair.com, Kabbage, Nova Credit, Dianrong, Funding Circle, Trusting Social and WeLab;

存款与财务规划领域:Acorns, Ellevest, Raisin and Nutmeg;

保险领域:BIMA, CoverHound, HealthSherpa, PolicyBazaar and Oscar.

而中国的蚂蚁金服、陆金所和宜信等公司的业务横跨多个领域。

过去11年间,宜信从中国首个市场借贷平台起家,如今已经成长为全球布局的全服务Fintech公司。宜信Fintech投资基金在过去两年间投资了全球26家Fintech公司。

 

Through innovative business models, products and use of cutting-edge technologies such as artificial intelligence (AI), Big Data, digital identity and the Internet-of-Things (IoT), fintech companies are making significant progress in promoting financial inclusion, according to a new report co-authored by the International Finance Corporation (IFC), a sister organization of the World Bank and member of the World Bank Group.

The report, titled Financial Inclusion in the Digital Age, explores how fintech can help improve financial inclusion by allowing underserved individuals and businesses to gain access to basic financial products including banking accounts, credit, financial planning, and insurance products, among other products.

Why financial inclusion is important

Over two billion unbanked adults in the world, representing 38% of all adults globally, lack access to basic financial services. Another 57% have basic accounts but do not have access to diversified investment and savings options, low cost payments services, core household and business insurance, or credit.

According to the report, the resulting poor financial wellness is not just a low-income bottom-of-the-pyramid problem in developing economies. It has been democratized with growing income inequalities in developed economies too.

Achieving financial security and financial inclusion is critical to reducing poverty and achieving inclusive economic growth. It also has positive effects on consumption, employment status and income, and on some aspects of physical and mental health.

Tech as an enabler for financial inclusion

Greater financial inclusion can be achieved by building innovative business models and applying technology to different consumers and small businesses. The report explores four particular innovations:

Digital payments: New entrants to the payments space are leveraging electronic transactions, mobile phones, and other technologies to turn expensive processes into self-service or automated processes. These have significantly expanded access and reduced costs for all users and managed to include parts of the population that have previously not been able to use such services.

Lending and related ecosystem: Fintech companies are using alternative data sources to help assess the creditworthiness of those without a formal credit bureau history and enhance fraud checks. Technology-driven alternative lenders and other players in the ecosystem have been making strides both by reducing the time and costs associated with the loan applications and by expanding credit access.

Savings and financial planning: Digital distribution and onboarding of consumers and small businesses address some of the restrictions that previously hampered broader accessibility of deposit and investment products. Furthermore, marketplaces and data analysis have made a significant contribution to transparency and consumer information.

Insurance: Digital distribution combined with big data, data analytics and machine learning has begun to transform the insurance industry. Insurance products can now be sold at a fraction of the cost of sales through physical brokers. Meanwhile, the IoT is allowing insurance companies to track the use of insured goods and offer insurance policies that are much more tailored and priced to actual usage and risk.

Top 100 fintechs promoting financial inclusion

The report provides a list of the top 100 fintech companies globally that are supporting ‘Financial Inclusion in the Digital Age’ across these four verticals. These 100 companies are mission-driven but are also focused on providing attractive risk-adjusted returns to their investors.

In the payments space, the report cites startups such as Matchmove Pay, TransferWise, Ayannah, Stripe, Iyzico, MoMo, and Adyen. In lending and related ecosystems, it names ventures that include Branch, Capital Float, Fair.com, Kabbage, Nova Credit, Dianrong, Funding Circle, Trusting Social and WeLab.

Some of the world leading savings and financial planning startups that are promoting financial inclusion include Acorns, Ellevest, Raisin and Nutmeg. And in the insurance business, the report cites startups such as BIMA, CoverHound, HealthSherpa, PolicyBazaar and Oscar.

Meanwhile, companies such as China’s Ant Financial, Lufax and CreditEase operate across multiple verticals such as payments, savings and financial planning, leading, and insurance.

For instance, in the past 11 years, CreditEase has grown from China’s first marketplace lending platform to a full-service fintech company with a global footprint. CreditEase’s Fintech Investment Fund has invested in 26 fintech companies globally in the last two years.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

潘, 妍媛未央编辑团队

146
总文章数

TA还没写个人介绍。。。

汇盈观点:加强中观层面建设,促进网贷行业健康发展

汇盈战略研究院 07-20

银保监会:积极推动,降低小微企业融资成本

傅苏颖 | 证券日报 07-19

银保监会召集业界,网贷监管释放明确政策预期

第一财经 | 第一财经 07-18

P2P未来简史:行业正在经历凤凰涅槃的重生期

杨勋华 | 零壹财经 07-12

拥抱AI,迈向客群精准和主体对称的数字普惠金融时代

陈文 07-09

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1