Munir Uz Zaman/AFP/Getty Images

Цели и средства охвата финансовыми услугами

КЕМБРИДЖ (США) – Традиционные финансовые услуги не предназначены для самых мелких вкладчиков и заёмщиков, поэтому у нетрадиционных моделей появилась возможность быстрого роста на этом неосвоенном рынке. Однако без дорожной карты стратегической политики, которая поможет дальнейшему развитию сектора финансовых технологий (сокращённо «финтех»), у этих новых моделей «подключающего» бизнеса будет сохраняться ограниченный набор предоставляемых услуг.

В Кении успех мобильного платёжного приложения M-Pesa стал по-настоящему революционным. Компании PayPal понадобилось провести два листинга на бирже NASDAQ и почти два десятилетия проработать в стране с крупнейшей экономикой мира, чтобы достичь своих нынешних показателей – 188 млн активных пользователей, совершающих ежегодно платежи на сумму $282 млрд. M-Pesa существует меньше десятилетия на значительно более скромном рынке, но у неё почти 17 млн активных пользователей, которые в прошлом году совершили безналичные транзакции на общую сумму более $50 млрд.

В Бангладеш доминирующей платёжной системой стала bKash, причём до такой степени, что слово «бикэшинг» (bKashing) стало таким же популярным в бенгальском языке, как «ксерить» (Xeroxing) или «гуглить» (Googling) в английском.

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