Samburu woman uses mobile phone in North Kenya before Lake Turkana Festival David Mbiyu/Getty Images

Was das digitale Finanzwesen zu bieten hat

BERKELEY – Es gibt eine wirtschaftliche Entwicklung, die buchstäblich in der Fläche einer einzelnen Hand liegt. Während sich Mobiltelefone und digitale Technologien schnell in aller Welt verbreiten, müssen ihre Möglichkeiten für die wirtschaftliche Entwicklung und insbesondere das Finanzwesen erst noch vollständig verwirklicht werden. Je eher sich dies ändert, desto besser ist es für die Menschen in aller Welt.

In den Entwicklungsländern haben heute zwei Milliarden Menschen – 45% aller Erwachsenen – kein formales Konto bei einer Bank, einem Finanzinstitut oder einem Anbieter für mobile Bezahldienste. Bei Frauen, Armen und Menschen aus dem ländlichen Raum ist der „banklose“ Anteil sogar noch höher. Darüber hinaus haben mindestens 200 Millionen kleine und mittelgroße Unternehmen nur mangelhaften oder gar keinen Zugang zu Krediten.

Wenn Ersparnisse außerhalb des Finanzsystems aufbewahrt und Kredite rar und teuer sind, leiden darunter das Unternehmertum, die Investitionen und das Wirtschaftswachstum. Glücklicherweise kann dieses Problem laut einem aktuellen Bericht des McKinsey Global Institute (MGI) schnell durch digitale Technologien – zunächst in Form von Mobiltelefonen – gelöst werden, was auch das Wachstum beschleunigt und es integrativer macht.

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