Munir Uz Zaman/AFP/Getty Images

金融包容与超越

坎布里奇——因为传统金融服务并非为小储户和借款人设计,若干非传统模式已经能在这片未开发的市场上迅速发展壮大。 但如果没有战略性政策路线图来指导进一步的金融技术(fintech)研发,这些新的“连接”模式所能提供的服务依然是有限的。

在肯尼亚,移动支付应用M-Pesa的成功可谓具有变革性意义。PayPal两次在纳斯达克上市、几乎在世界最大经济体经营了二十年,才积累了1.88亿活跃客户和2820亿美元的年支付额。而尽管M-Pesa在一个相比之下收入低得多的市场只经营了不到十年,但去年已经积累了近1700万活跃用户,实际操作了超过500亿美元的无现金交易。

同样,bKash现在主宰着孟加拉国的支付系统,以至于“bKashing”就像英语中的“Xeroxing”、“Hoovering”和“Googling”一样,已经成为孟加拉语中的常用词汇。

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