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预计到2022年,金融科技将为非洲GDP贡献1500亿美元

国际资讯

预计到2022年,金融科技将为非洲GDP贡献1500亿美元

据发展金融组织Financial Sector Deepening Africa(下称FSD Africa)预计,到2022年,金融科技行业对撒哈拉以南非洲经济输出的贡献将增加至少400亿美元至1500亿美元。

FSD Africa金融市场主管Evans Osano在周四的采访中提到,金融科技行业目前在当地为近300万人直接或间接提供工作。根据国际货币基金组织汇总的数据,撒哈拉以南非洲的国内生产总值约为1.6万亿美元。

Osano说道:"从价值链来看,大部分资金来自手机公司,其他支持服务的贡献并不算大,但随着金融科技的发展能够解决人们的金融需求或提高服务的便捷性,其他支持服务的贡献预计也会增加。"

东非最大的移动网络运营商Safaricom Plc是全球首批率先推出基于手机的转账服务的公司,该公司表示自己有近3000万名客户,其中88%正在使用这项服务。根据世界银行全球金融包容性指数数据,撒哈拉以南非洲大约有21%的成年人拥有手机账户,比2014年翻了一倍,且在全球比例最高。

在同一个采访中,FSD Africa金融机构主管Paul Musoke表示,FSD Africa目前正与几个国家的部分借贷公司、保险公司和金融科技公司合作,旨在提高数据分析的使用率。这些国家包括尼日利亚、加纳、坦桑尼亚、马拉维、科特迪瓦、埃塞俄比亚、肯尼亚、莫桑比克、塞拉利昂和赞比亚。

他说道:"我们关注的重点是数据,包括数据的可用性、机构呈现数据的方式以及机构如何利用数据来更好地了解客户并进行产品开发。"

Musoke提到,FSD正在与一些公司合作,这些公司正在开发技术,从移民那里收取保费,并让多个非洲国家的保险公司覆盖死亡和医疗相关费用。此外,FSD还在尝试使用技术向移民中的非洲人筹措资金,投资建造房屋。

Musoke认为,非洲政府对金融科技行业初创企业征税还为时尚早,法规应该鼓励创新,而不是尝试控制这个领域。

他说道:"从法规角度来说,应该要保护使用这些应用的消费者,这才是真正值得关心的问题。"

The contribution of the financial-technology industry to sub-Saharan Africa’s economic output will increase by at least $40 billion to $150 billion by 2022, according to Financial Sector Deepening Africa, a development-finance organization.

The industry currently employs about 3 million people directly and indirectly in the region, FSD Africa Financial Markets Director Evans Osano said in an interview on Thursday. Sub-Saharan Africa’s gross domestic product is about $1.6 trillion, according to data compiled by the International Monetary Fund.

“If you look at the value chain, most of that money is coming out of mobile-phone companies,” Osano said. “So from the other support services the contribution is not much, but is expected to increase as fintech develops to address the financial needs of people or making services more accessible.”

Safaricom Plc, East Africa’s biggest mobile-network operator, developed one of the world’s first mobile phone-based money transfer services, and says 88 percent of its almost 30 million customers now use it. About 21 percent of adults in sub-Saharan Africa have a mobile-money account, nearly twice the share in 2014 and the highest of any region in the world, according to the World Bank’s Global Findex Data.

FSD Africa is working with some lenders, insurers and fintech companies in several countries including Nigeria, Ghana, Tanzania, Malawi, Ivory Coast, Ethiopia, Kenya, Mozambique, Sierra Leone and Zambia to increase the use of data analytics, FSD Africa Financial Institutions Director Paul Musoke said in the same interview.

“What we’re focusing on is data, availability of data and how institutions can take on this data and utilize it to gain better insight of their customers and product development,” he said.

FSD is working with companies that are developing technology to collect premiums from the diaspora and to enable insurers in various African nations to cover death and medical-related expenses, Musoke said. It is also looking into using technology to collect funds among Africans in the diaspora to invest in building homes.

It is still too early for African governments to start taxing start-up companies in the fintech industry and regulations should encourage innovation rather than try control the sector, he said.

“From a regulatory point of view it is about protecting the consumers who use these apps, that is where the real concern is,” Musoke said.

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