Iran fintech startup Scott Peterson/Getty Images

Jak ozelenit digitální finančnictví

PEKING – Digitální finančnictví se ukazuje jako nečekaně revoluční, jednoduše tím, že umožňuje lacinou finanční inkluzi. Díky novým finančním technologiím (fintech) mohou spotřebitelé nerušeně nakupovat, migranti levně posílat tvrdě vydělané peníze svým rodinám, drobné podniky po lustraci pomocí veledat (Big Data) během několika minut dosáhnout na úvěr a střadatelé formovat svůj vlastní investiční osud. Mají-li ale fintech naplnit potenciál rozvoje globálního veřejného blaha, je nezbytné zohlednit ještě další faktor: životní prostředí.

Program Organizace spojených národů pro životní prostředí (UNEP) nedávno zveřejnil zprávu „Fintech a udržitelný rozvoj: Hodnocení důsledků“ zabývající se tím, jak lze digitální finančnictví zužitkovat pro dobro životního prostředí. Jak zpráva poukazuje, snižováním nákladů a posilováním efektivity už fintech mobilizují zelené finance, umožňují chudším lidem skrze inovativní platební systémy dosáhnout na čistější energie a bohatým i chudým usnadňují zelené úspory.

Švédský startup Trine například umožňuje střadatelům v centru Stockholmu financovat rozptýlené systémy solární energetiky ve venkovských oblastech vzdálených tisíce kilometrů. Keňská M-KOPA využívá velice úspěšné domácí platformy pro mobilní platby M-PESA, aby zajistila dosažitelnost čisté energie pro chudší komunity. Jiné experimenty kladou důraz na zelený potenciál databází blockchain a kryptoměn.

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