最有看点的互联网金融门户

最有看点的互联网金融门户
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越南金融科技市值将在2020年达到80亿美元

互联网经济国际资讯投融资

越南金融科技市值将在2020年达到80亿美元

Fintech影响力在全球不断增加。普华永道的研究显示,过去四年Fintech创企累计吸引投资400多亿美元,传统机构也开始不断和数字化创企进行合作。2016年1月到2017年2月间,亚太区域Fintech投资高达150亿美元。而面对这样的市场热潮,越南自然也不甘落后。

飞得更高

咨询公司Solidiance的数据显示,2017年越南Fintech市场规模将达到44亿美元,2020年将增加至78亿美元。此外,在最近发布的一份名为《释放越南Fintech增长潜力》的报告中,Solidiance罗列了多个越南金融科技市场快速发展的助推因素,比如数字钱包的普及、收入和消费的增加以及不断发展的电子商务领域等等。

该公司还赞扬越南政府创建了Fintech领导委员会并实施其他措施创建了"越来越具支持性的监管框架"。如果越南政府成功在未来两年内达成70%银行服务渗透率的目标,那将进一步加速Fintech市场的发展。Fintech创企已然在创造解决方案如生活方式银行服务和一系列移动钱包和数字支付解决方案。

Solidiance高级专员Michael Sieburg说政府在未来五年内的做法很重要。

"越南央行创建Fintech领导委员会是一大发展。这说明政府是认真希望发展一个能够带领该行业前进的框架。但一大需要解决的问题就是新产品和服务得到合法授权的速度,只有获得授权他们才能更有预测性的运作并且降低合规风险。"

他注意到执照获取时间的冗长会阻碍创新并阻止越南成为Fintech领头者。因此,未来能否在鼓励创新和保护公众利益间找到平衡才是越南金融科技市场进一步发展的关键。

走向数字化

目前数字支付解决方案占据越南Fintech市场的89%,Solidiance数据显示。但该公司预测个人和公司财务领域到2025年将分别增长31.2%和35.9%。增长动力部分来自于政府推动从现金交易的转型。去年,越南政府宣布到2020年将购物商场、街边小店和分销商的现金交易减至10%以下。

在那之前,越南的金融包容性需要加强。来自世界银行的数据显示,截止2014年,只有31%的越南成人拥有正式交易账户。

截止2017年,84%的移动手机用户使用智能手机。数字支付软件可以吸引传统上缺乏正式银行服务的用户,为一个无现金或现金以来减少的社会打下基础。Sieburg说:"数字支付不仅将转型零售市场和账单支付方式,还将改变公共服务支付方式以及政府向人民的转移支付,后两点目前在银行服务渗透率不高的农村地区是一挑战。"

如果越南希望实现自己的Fintech理想,前方还有很长的路要走。但Sieburg预测该国未来会发生大转变——未来十年,越南将成长为东南亚地区的Fintech产业领头羊,越南人民对科技应用充满迫切,而且年轻人充满活力懂得利用科技。

雨后春笋般涌现的创新企业和项目,加上支持力度得当的监管体系,未来越南Fintech产业的前途应该是非常光明的。

Fintech's influence is growing around the globe. According to PricewaterhouseCoopers, fintech startups attracted more than $40 billion in investments during the past four years, and legacy institutions are warming up to partnerships with agile, digital-first companies. The Asia-Pacific region saw nearly $15 billion in fintech investments between January 2016 and February 2017 alone. Needless to say, the opportunity in fintech is real--and Vietnam is getting in on it.

Sky's the limit

Vietnam's fintech market hit $4.4 billion in 2017, and it will reach $7.8 billion by 2020 , according to research from Solidiance, an APAC-focused consulting firm. In a recently published report, "Unlocking Vietnam's Fintech Growth Potential," Solidiance attributes the uptick to several factors, including high internet and smartphone penetration rates in urban centers, increased popularity of e-wallets, rising income and consumption, and a growing e-commerce sector.

The company also credits the Vietnamese government with creating an "increasingly supportive regulatory framework" via the creation of the Fintech Steering Committee and other measures. If the government is successful in its plan to reach 70% banking penetration within the next two years, that could further accelerate the fintech market, where startups are already creating solutions such as lifestyle banking services and a range of mobile wallet and digital payments solutions.

Michael Sieburg, associate partner at Solidiance, says that much will depend on the state's movements in the next few years. "It’s important to acknowledge the development of the Fintech Steering Committee by the State Bank of Vietnam. This is an important move and illustrates the government’s serious approach to developing a framework that can guide the industry forward," he says. "But one key issue to address will be the speed at which new products and services can receive legal guidance so they can operate with predictability and decrease compliance risk."

He notes that lengthy approval times for licenses can hinder innovation and impede Vietnam's emergence as a fintech leader. "Finding that balance between encouraging innovation while protecting the public interest will be key," Sieburg says.

Push for digital

Currently, digital payment solutions comprise 89% of the fintech market here, according to Solidiance. But the company predicts that the personal and corporate finance sectors will grow by 31.2% and 35.9%, respectively, by 2025. That growth will be driven in part by the government's push to move away from cash-based transactions. Last year, the state announced a plan to reduce cash transactions in shopping malls, grocery stores, and distributors to less than 10% by 2020.

Before that can happen, Vietnam's financial inclusion stats will need to increase. As of 2014, only 31% of adults held formal transaction accounts, according to the World Bank. There are several reasons for this, including high costs, prohibitive documentation requirements, a lack of financial services in close proximity to consumers, and skepticism of the financial sector.

Mobile a catalyst

Sieburg says the financial inclusion process will be helped along by the country's high smartphone penetration rate. As of 2017, 84% of mobile phone users are on smartphones. Digital payment apps can help draw in consumers who traditionally lacked access to formal banking systems, paving the way toward a cashless--or less cash-dependent--society. " Digital payments could transform not only the retail market and bill payment but also payment for public services as well government-to-people payments , currently a challenge in some rural areas where banking sector penetration is less developed," Sieburg says.

There's a great deal of work to be done if Vietnam is to fulfill its fintech ambitions, but Sieburg predicts big things in the country's future. " In the next decade, Vietnam will emerge as a regional leader in developing innovative fintech solutions ," he says. "There is so much energy here. ...With a population eager to adopt technology and a vibrant, young, tech-smart population propelling innovation, I’m excited about what lies ahead here."

From the hustling startup community to innovation initiatives within traditional organizations, Sieburg sees signs of real growth. Coupled with an increasingly supportive regulatory ecosystem, there's good reason to think Vietnam's fintech sector is one to watch.


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