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新加坡金融科技节:用技术与创新改写未来

国际资讯

新加坡金融科技节:用技术与创新改写未来

本周,全球创新和技术负责人云集新加坡,共同参加第三届新加坡金融科技节。

作为全球最大的金融科技社区平台,新加坡金融科技节将开展众多精彩活动,包括全球金融科技加速竞赛展示日、人工智能(AI)金融峰会、金融科技颁奖典礼、走访创新实验室、研讨会等。我们采访了新加坡金融管理局(MAS)首席创新官Sopnendu Mohanty,了解更多活动信息,以及新加坡如何利用创新技术改写资本市场和其他领域。

能否向我们介绍一下新加坡金融科技节?金融科技节最初如何成为现实?你们的使命又是什么?

我们2016年开始举办新加坡金融科技节,希望庆祝全球金融科技社区取得的成就。作为全球金融中心,新加坡的金融科技社区发展飞速,我们认为自己可以成为全球金融和金融科技社区联系的纽带,实现共同联系、协作和创造。

第一届金融科技节有14,000多人参与,包括银行和金融行业从业人员、技术玩家、投资者、初创企业和对金融科技感兴趣的人。去年,人数增加到了30,000,翻了一倍,这么多人的关注让我们颇为惊喜。

今年,我们又扩大了金融科技节的主题范围,旨在打造一个全球知识平台,涉及的主题不仅包括金融科技,还包括有限合伙人投资,风险资本和融资策略。我们希望金融科技节作为金融科技社区平台能继续提高其全球化程度和包容性,不仅包括金融科技领域内外的国际监管者和从业人员,还包括决策者和学术人员。

对于新加坡金融科技节上展示的区块链和其他创新技术,你对哪项最感兴趣?

我一直都为区块链着迷。资产代币化的概念创建了全新的代币经济,但我们对这个经济的了解还只局限在概念方面。两年前我们开始了Ubin项目,但直到现在,我们还能学到新的知识,并且每个阶段都十分有趣。

最近一项工作是开发付款交割(DvP)功能,用于在不同区块链平台之间结算代币化资产。这项功能能够实现代币化资产和货币的同步交换和最终结算,不管这些资产和货币是否位于不同的区块链网络,直接优势就是运行效率提高和结算风险降低。

但最让我惊讶的是,这种创新甚至可以应用于非金融领域,从长远来看,能够彻底变革全球经济。证券只是代币化资产的一种形式,想象一下其他资产的代币化,包括房地产和地契等实物资产。这可能会带来前所未有的新机会。

你最感兴趣的是哪个区块链具体用例?

我对跨境支付特别感兴趣,因为目前这方面速度还比较慢,价格也很高。如果使用FAST和PayNow等国内支付网络,我只需点击三下就能完成支付,几乎立即到账而且没有任何费用。与此相比,跨境支付还有很大的改进空间。

总体来说,我们对支付很感兴趣,但区块链的增量利润对国内支付行业来说极为有限。当然,这是发达经济体的状况,因为我们的集中化系统运作良好,我们拥有稳健的基础设施和值得信赖的中央党派,基本上没什么理由要迁移到非中心化基础设施。

如果从新兴经济体的角度来看,他们并不具备这些条件,所以情况会大不相同。我认为支付领域区块链的第一次大规模实施会发生在新兴经济体中。我们已经习惯了成熟经济体向新兴经济体输出技术的情况,在区块链领域,我相信情况会反过来,新兴经济体将会找到强有力的用例,部署技术并一举超越其他国家。

所以成熟经济体和新兴经济体之间有很大的合作空间,这也是我们努力的方向。我们的金融科技公司利用我们的专业知识和通过Ubin项目等试验开发的功能获利,与地区合作伙伴协作,共同开发和实施新解决方案,并在此过程中学习对方的经验。

对你来说,创新意味着什么?

创新就是找到更好的新方式。创新的目的可以是提高效率、降低成本、减轻风险或是打造更好的产品。最重要的是,创新必须有目的,必须能够改善人们的生活。

最常见的误解是认为创新就是用最新的技术做酷炫的事情。其实使用的技术只是其中一部分,技术是推动因素,新技术提供解决难题的新方式。最重要的是,使用技术的方式更为重要,目前许多令人惊叹的金融科技创新其实只是绝佳想法得到了出色的执行。

对于立志从事金融科技行业的年轻人,你有什么建议?

就像我给金融科技公司的建议一样:小起步,大梦想,快发展。金融科技行业发展飞速,没有坏机会,只有错失的机会。适应金融科技从业人员的身份,但不要局限于这个身份。确定自己的工作内容,考虑该怎么做才能实现月环比增长50%,并努力实现这个目标。

MAS如何使用技术来#改写未来?

作为中央银行,重要的不是我们如何利用技术,而是我们对于技术将#改写未来的态度。我们坚信监管法规不应该超出创新发展速度,以创造空间和机会,方便金融行业试验、创新并使用技术来提供更好的金融服务并更好地管理风险。

我们还认为最好在我们了解技术和创新后再制定政策和法规。同样,我们也将实际试验放在优先位置,这样我们能够第一时间了解新技术的风险和优势。我们与行业密切合作,进行试验并共同制定解决方案,在面对难题的时候也共同进退。

这就是我们与金融行业合作改写未来的方式。

Leaders of innovation and technology from around the world are traveling to Singapore this week for the third annual Singapore FinTech Festival. The world's largest platform for the global fintech community, the Singapore FinTech Festival features a series of exciting events, including a Global FinTech Hackcelerator Demo Day, Artificial Intelligence (AI) in Finance Summit, FinTech Awards, an Innovation Lab Crawl, Workshops, and more. We sat down with Sopnendu Mohanty, Chief Innovation Officer at the Monetary Authority of Singapore (MAS) to learn more about the event, and how Singapore is using innovative technology to rewrite the capital markets and beyond.

Can you tell us about the Singapore FinTech Festival? How did the Festival originally come to life and what is your mission?

We started the Singapore FinTech Festival in 2016 to celebrate the accomplishments of the global FinTech community. As a global financial hub, and with a fast growing FinTech community, we believed we could create a platform to bridge the global financial and FinTech community, bringing them together to connect, collaborate and co-create.

The first festival saw over 14,000 participants from the banking and finance industry, tech players, investors, start-ups and anyone who was keen on learning more about FinTech. We are pleasantly surprised by the amount of traction we have gained, doubling to 30,000 participants last year.

This year, we've expanded the Festival to become a global knowledge platform that extends beyond Fintech to include topics such as LP investing, venture capital and capital raising strategies. We hope that the Festival will continue to become an increasingly global and inclusive platform for the FinTech community which includes international regulators, players within the FinTech and beyond the FinTech sector, policy makers and academics.

What excites you most about blockchain, and other innovative technologies present at the Singapore FinTech Festival?

Blockchain technology continues to fascinate me. The concept of asset tokenisation has created a whole new token economy, and we are only starting to understand its implications. It has been more than 2 years since we started on Project Ubin, and we are still learning something new and interesting with every phase.

A recent work was on developing Delivery versus Payment, or DvP capabilities for settlement of tokenised assets across different blockchain platforms. This enables the simultaneous exchange and final settlement of tokenized assets and currencies, even when they are on different blockchain networks. The immediate benefits are operational efficiencies and reduction of settlement risks.

But what amazes me most is how this innovation could be applied to even the non-financial sectors, and radically transform the global economy in the long run. Securities is just one form of tokenized assets. Imagine the possibilities of tokenizing other assets, including physical assets such as property and land titles. This could create new opportunities never imagined before.

Is there a specific use case for blockchain that interests you the most?

Cross-border payments is of particular interest, simply because they are so slow and expensive today. Our domestic payments network, such as FAST and PayNow, allow me to make a payment in 3 clicks, almost instantly and at no cost. Using that as a benchmark, there is so much opportunity for improvement with cross-border payments.

Payments in general is interesting for us, but the incremental benefits of blockchain for domestic payment is very limited. However, this is from a developed economy's perspective, where centralized systems work well. We have robust infrastructures, and we have trusted central parties, and there is simply little reason to move to a decentralized infrastructure.

If we view this from the lens of an emerging economy where they do not enjoy the same luxuries which we take for granted, the situation is very different. I believe the first large-scale implementation of blockchain for payments will be in an emerging economy. We are used to a paradigm of mature economies exporting technologies to emerging economies. In the blockchain space, I believe the reverse will happen. Emerging economies will find a strong compelling use-case, deploy the technology and leap-frog the rest.

There is hence a strong opportunity for partnerships between mature and emerging economies, and that is what we are doing. Our FinTech companies are capitalising on our wealth of expertise and capabilities developed through experiments such Project Ubin, collaborating with regional partners to co-develop and implement new solutions, and in the process, learn from each other's experiences.

What does innovation mean to you?

Innovation is about finding new and better ways of doing things. It could be to improve efficiency, reduce costs, lower risks, or create better products. The most important thing however, is that innovation must be purposeful, and that it must improve people's lives.

There is a common misconception that innovation is about doing something cool with the latest technology. The technology you use is only half of the story. Technology is an enabler, and new technologies enable new ways of solving challenges. Ultimately, how you use the technology is far more important, and many of the amazing FinTech innovations today are simply great ideas that have been executed brilliantly.

What advice would you give to young professionals who aspire to be in the FinTech industry?

The same advice to FinTech companies: start small, dream big, move fast. The FinTech industry is advancing so fast, there are no bad opportunities, only lost opportunities. Get yourself into a FinTech role, but do not be confined by it. Write your own job description. Think about what you should be doing with a 50% month-on-month growth, and work hard to make it happen.

How does MAS use technology to #rewritetomorrow?

As a central bank, it is not so much how we use technology, but our attitude towards technology that will #rewritetomorrow. We have a strong belief that regulations should not front-run innovation, and this has created space and opportunities for the financial industry to experiment, innovate, and use technology to provide better financial services and to manage risks better.

We also believe that policies and regulations are best made when we understand the technology and the innovation. As such, we have made practical experimentation a priority, so we know first-hand the risks and benefits of new technologies. We work closely with the industry to experiment and to co-create solutions, so we face challenges and overcome them together.

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