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首个金融科技API在线市场亮相新加坡金融科技节

其他国际资讯

首个金融科技API在线市场亮相新加坡金融科技节

本周,万众瞩目的新加坡金融科技节隆重召开。

在其中一次主题演讲中,印度总理Narendra Modi宣布金融科技API在线市场与监管沙盒API Exchange(APIX)正式面世。

此前,新加坡金融管理局、东盟银行家协会和世界银行下属的国际金融公司共同成立了东盟金融创新网络(ASEAN Financial Innovation Network),并领导开发了APIX平台,希望借此机会帮助金融科技企业和金融服务提供商发现潜在的合作伙伴。

Modi告诉与会者,APIX将促进印度、东南亚和世界其他地区的创业公司和其他企业之间的合作,帮助推动金融创新和普惠金融发展。

自2014年Modi政府当选以来,印度一直在积极通过技术方案解决该国公民银行服务覆盖率不足,以及中小微型企业融资渠道匮乏等问题。

比如在短短几年时间之内,印度已经通过Aadhar数字身份证项目,收集了超过12亿公民的个人信息,并借助这一数字平台积极推广普惠金融发展,新增3.3亿个银行账户。

Modi表示,金融科技让曾经的边缘市场变得愈发清晰,利润空间也非常可观。

其实,不仅是普通印度公民,印度企业也同样获益于金融科技的蓬勃发展。在过去几年间,印度中小企业家通过金融科技创企获得了1.45亿笔贷款,总额近900亿美元,而且近75%都被女性贷款者获得。

Modi认为,印度将成为下一个重要的金融科技目的地,虽然印度面临着各种各样的挑战,但是相应的多样化解决方案也为投资者提供了丰富的投资机会。他相信,印度庞大的市场规模将推动金融科技产品规模化发展,降低相关企业和机构的风险成本,并在未来成功实现全球化。

 

 

Indian Prime Minister Narendra Modi launched API Exchange (APIX), an online marketplace and sandbox for fintech-related APIs, at the Singapore Fintech Festival today.

Developed by the ASEAN Financial Innovation Network – a group headed by the Monetary Authority of Singapore, the ASEAN Bankers Association, and the World Bank’s International Finance Corporation – APIX will allow fintech businesses and financial services providers to discover potential partners.

Delivering the conference’s first-ever keynote address by a sitting head of government, Modi told attendees that APIX would facilitate collaboration between startups and other enterprises in India, Southeast Asia, and the rest of the world, helping to drive financial innovation and inclusion.

The Indian premier said that fintech has “brought into the mainstream, those that were on the margins.”

Since Modi’s government was elected in 2014, India has been embracing tech-based solutions to solve the issues of its massive “underbanked” citizenry, and the lack of access to finance faced by its micro, small, and medium-sized businesses.

“With the power of fintech and the reach of digital connectivity […] financial inclusion has become a reality for 1.3 billion Indians,” he said, referring to Delhi’s sometimes controversial Aadhar project aimed at creating digital IDs for all of its citizens.

“We have generated more than 1.2 billion biometric identities [with] Aadhar in just a few years. In three years, we have opened 330 million new bank accounts. These are 33o million sources of identity, dignity, and opportunity,” he added.

Indian enterprises are also benefiting from the fintech boom, Modi claimed. It has “helped us extend 145 million loans for small entrepreneurs [worth] US$90 billion. Nearly 75 percent of these loans have gone to women,” he said.

Modi also pitched India as an investment destination, to attract both fintech-focused VCs and startups looking to scale.

“India faces diverse circumstances and challenges. Our solutions must also be diverse,” he said. “India’s vast market can enable fintech products to achieve scale, reduce risks and costs, and go global.”

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