最有看点的互联网金融门户

最有看点的互联网金融门户
专栏全新的互联网金融模式国际资讯监管与政策

2018年印度金融科技发展5大趋势

专栏全新的互联网金融模式国际资讯监管与政策

2018年印度金融科技发展5大趋势

直到2016年末才发展起来的金融科技领域向来变化快速有活力。一些人说从那时起经济开始了后去货币化时代。

每年,Fintech领域都会运用最新科技并且在需要的时候自我革新,从而保持了其金融优势。2018年也依旧如此。

在今天的这篇文章中,就让我们来了解一下印度金融科技领域在2018年的5大变化趋势:

加密货币产业遭禁

2018年早些时候,印度央行的一道禁令让一些加密货币交易平台和交易商紧张不已。在规定期限内,印央行禁止所有印度银行参与加密货币交易或与相关企业做生意。这阻碍了大多数交易商进入似乎"已经成熟的"加密货币领域。在接下来的两个月内,加密货币市值蒸发近一半,缩水近2000亿美元。目前,印度国内仍然活跃着几家加密货币公司,但在监管打压之下他们的发展前景似乎并不乐观。

替代借贷持续发展

过去几年,在线借贷平台在填补印度信用贷款空缺方面发挥着越来越大的作用。中小微企业贷款被认为是借贷行业中最难处理的,因为交易流程存在太多的不透明。这种不明因素导致中小微信贷的商业银行发放贷款比例比例在2015年12月至2018年3月间从95%下降到90%。去货币化时代开始以来,中小微信贷增长为负。同一时期,非银行金融公司(NBFC)发放的贷款比例将近翻了一番,年平均增长35%。这主要是因为网上借贷平台利用先进技术如AI和大数据。

银行和Fintech公司携手共进

通过创新的业务模式,印度Fintech平台为当今印度社会金融困境提供了不少解决方案。如今,一些传统银行开始进入Fintech领域,而Fintech平台也开始向银行转移技术知识。近来,一些传统银行开始和Fintech公司合作,使用后者的后台解决方案。合作的领域包括进程自动化、获客、客户留存、信用分析、贷款发放等。

移动服务逐步完善

移动钱包最基础的形式对个人意义不大,而且其他支付替代方案如UPI、AePS越来越受欢迎。为了保持自己的地位,移动钱包正慢慢地纳入更多以客户为中心的日常功能,比如叫车软件和电子商务平台提供的功能。

有远见的政府政策和监管者

2018年预算中,印度财政部长Arun Jaitley宣布印度政府将探索利用区块链增加数字化的计划。印度政府一直在开发"印度链",项目一旦完成就有可能成为世界上最大的区块链公链。印度希望借助"印度链"清除欺诈,尽可能提高透明度并加快合同落实速度。

这个项目将对印度Fintech公司有两大助益:加快金融服务如跨境支付和完全保证交易信息安全。

其他监管政策变化包括eKYC, e-NACH, India Stack和API 融合等。印度央行对Fintech领域也保持乐观,为将来更多技术驱动的改革正垫下基础。

据了解,印度Fintech领域年增长复利率高达22%,几乎是印度GDP增速的三倍。但是印度Fintech领域的潜力还没有得到充分发挥。随着印度数字化不断普及,Fintech领域未来必将更加明朗。而我们需要做的就是耐心期待这个领域给我们的生活带来更多的变化。

The Financial Technology sector, a.k.a. Fintech sector is known for its fast-paced and dynamic nature. The sector was virtually in oblivion till late-2016, when, according to some, the formalization of the economy began post-demonetization. Since then, it is one of the most discussed industries in our society given its wide-ranging and quite ingenious day-to-day solutions.

Every year, the sector maintains its financial edge by incorporating some of the most cutting-edge approaches and vigorously changes itself in the due process. The year 2018 hasn’t been much different for the Fintech sector (or virtually the same).

So, let us have a look at how the sector has transformed during the year. Here are five major trends witnessed in the fintech space in 2018:

Crypto Ban!

Jitters went down the spine of several cryptocurrency marketplaces and traders following an RBI order in early-2018. The order barred all Indian banks from dealing with cryptocurrency exchanges and related firms in a stipulated time. It prevented a majority of dealers to enter the seemingly ‘ripe’ cryptocurrency domain. Thankfully, this happened right before cryptocurrency market size nearly halved and wiped out more than $200 billion in the following two months. There are still a few cryptocurrency players actively operating in India, however, their prospects are very thin following clampdown by the regulatory.

Alternative Lending:

Online lending platforms have been quite phenomenal in filling in the credit void within our country. But how accomplished are they in doing so? MSME loans are considered as the trickiest element of lending given the sheer opacity that exists within the sector. This opacity has decreased the share of scheduled commercial banks in MSME credit from 95% to 90% between December 2015 and March 2018. The credit growth turned negative post-demonetization. During the same period, the share of loans by NBFCs (which are essentially used by online lending platforms) nearly doubled growing with an annual average of 35 per cent, largely because of cutting-edge technologies such as Artificial Intelligence and Big Data.

Banks and Fintech go hand in hand:

Using their trailblazing approach, Indian fintech platforms have proven themselves effective in solving some of the most demanding financial challenges that our country faces. Now, since traditional banks have been late movers into space, such fintech platforms are also transferring their technological expertise to the Indian banking sector. Several traditional banks in India have lately been joining hands with fintech platforms and are now leveraging their backend solutions. The areas of the association include process automation, customer acquisition, customer retention, credit profiling, loan disbursements, etc.

The Gradual Progression of Mobile Wallets:

Mobile wallets, in their most basic form, add limited value to a person – especially with other payment alternatives such as UPI, AePS, etc. becoming more popular. In order to stay relevant to customers, the shift towards incorporating more day-to-day, customer-centric uses have been observed amongst mobile wallets including the ones offered by cab-aggregators and e-commerce platforms.

Forward-looking Government Policies and Regulators:

During the Union Budget 2018, Finance Minister Arun Jaitley announced the government’s plans of exploring the Blockchain technology as a means to increase digitization. The government has been working on IndiaChain, which is possibly going to be the largest public blockchain network around the world. With IndiaChain, the nation envisions to minimize frauds, maximise transparency, and expedite contract enforcement.

The up-and-coming distributed ledger project will benefit the Indian fintech players in two major ways, i.e. expediting financial services such as cross-border payments and completely securing the transaction information. It will also help fintech players to address the growing threats of cyber-security.

Other regulatory amendments include eKYC, e-NACH, India Stack, and API integration alongside others. The Reserve Bank of India has also been optimistic about the fintech sector and is paving the way for more tech-driven reforms.

This was the roundup of fintech trends in 2018. The sector has been growing with a CAGR (Compound Annual Growth Rate) of 22% – or about three-times the GDP growth rate of the country. Yet, it can be said that the Indian fintech sector is still far from its true potential. With ever-increasing digitization, the future is even brighter for Indian fintech space. But we have to wait and watch till then to see how it gets transformed and transforms our lives along with it.

本文系未央网专栏作者MM发表,属作者个人观点,不代表网站观点,未经许可严禁转载,违者必究!

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
M

MM

10
总文章数

TA还没写个人介绍。。。

新加坡:服务金融科技创企,专利审批时间大幅缩减

Intellectu... 12-13

金融科技创企Plaid获2.5亿美元C轮融资,互联网女皇Mary Meeker领投

Kate Clark 12-13

监管沙盒:看似无害,其实不然

渺渺 12-12

韩国支付创企Toss获8000万美元融资

高旭 | FINEXTRA 12-11

谷歌收购印度最受欢迎火车追踪应用Where is my Train

Jon Russel... | 猎云网 12-11

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