Munir Uz Zaman/AFP/Getty Images

Finanzielle Inklusion und darüber hinaus

CAMBRIDGE – Traditionelle Finanzdienstleistungen sind nicht für kleine Anleger und Kreditnehmer gemacht, deshalb waren einige nicht traditionelle Modelle schnell in diesem ungenutzten Markt erfolgreich. Aber ohne strategische politische Rahmenbedingungen, die der weiteren finanztechnologischen Entwicklung eine Richtung vorgeben, werden die Leistungen, die von diesen neuen Modellen angeboten werden können, beschränkt bleiben.

In Kenia muss man den Erfolg von M-Pesa, einer mobilen Zahlungs-App, als sensationell bezeichnen. PayPal brauchte zwei NASDAQ-Notierungen und fast zwei Jahrzehnte Präsenz in der größten Volkswirtschaft der Welt, um auf 188 Millionen aktive Kunden und 282 USD jährliche Zahlungen zu kommen. Obwohl M-Pesa noch nicht einmal ein Jahrzehnt in einem Niedrigeinkommensmarkt operiert, hat die App bereits fast 17 Millionen aktive Nutzer, die im vergangenen Jahr bargeldlose Transaktionen im Wert von über 50 Milliarden USD tätigten.

Auf ähnliche Weise dominiert bKsh jetzt das Zahlungssystem in Bangladesch so sehr, dass „bKashing” zu einem üblichen Ausdruck in Bengali geworden ist, genauso wie „Xeroxing”, „Hoovering” oder „Googling” im Englischen.

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