Iran fintech startup Scott Peterson/Getty Images

Groene digitale financiën

PEKING – Digitale financiën zijn onverwachts revolutionair gebleken, simpelweg door betaalbare financiële inclusie te bewerkstelligen. Dankzij nieuwe financiële technologieën (fintech) kunnen consumenten naadloos winkelen, kunnen migranten hun zuurverdiende geld goedkoop naar hun families sturen, kunnen kleine bedrijven binnen minuten toegang krijgen tot krediet door door Big Data aangedreven profilering, en kunnen spaarders hun eigen investeringstoekomst vormgeven. Maar wanneer fintech wil voldoen aan zijn potentieel om het mondiele publieke goed te bevorderen moet er met nog een factor rekening gehouden worden: het milieu.

Het United Nations Environment Programme (UNEP) heeft onlangs een rapport gepubliceerd; ‘Fintech and Sustainable Development: Assessing the Implications,’ dat verkent hoe digitale financiën ingezet kunnen worden voor milieudoeleinden. Zoals het rapport laat zien is fintech, door het reduceren van kosten en het vergroten van de efficiency, al groene financiën aan het mobiliseren, wat armere mensen in staat stelt om toegang te krijgen tot schone energie door middel van innovatieve betaalsystemen, en groen sparen voor zowel arm als rijk faciliteert.

De Zweedse startup Trine bijvoorbeeld stelt spaarders in het centrum van Stockholm in staat om zonne-energie projecten te financieren in plattelandsgebieden duizenden kilometers daarvandaan. M-KOPA uit Kenia zet het zeer succesvolle binnenlandse mobiele betaalplatform M-PESA in om schone energie beschikbaar te maken voor arme gemeenschappen. Andere experimenten leggen de nadruk op het groene potentieel van blockchain- en crypto-valuta.

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