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世界经济论坛(WEF):2022年东盟数字世代报告-数字普惠金融(中译版)(24页).pdf

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1、ASEAN Digital Generation Report:Digital Financial InclusionI N S I G H T R E P O R TD E C E M B E R 2 0 2 2In collaboration with SeaContentsImages:Getty Images,UnsplashForewordExecutive summaryIntroduction1 Adoption,expectations and potentials for digital financial inclusion2 Gaps and obstacles 3 Re

2、quired actions to close gaps and address obstaclesConclusionContributorsEndnotes34561118212223 2022 World Economic Forum.All rights reserved.No part of this publication may be reproduced or transmitted in any form or by any means,including photocopying and recording,or by any information storage and

3、 retrieval system.Disclaimer This document is published by the World Economic Forum as a contribution to a project,insight area or interaction.The findings,interpretations and conclusions expressed herein are a result of a collaborative process facilitated and endorsed by the World Economic Forum bu

4、t whose results do not necessarily represent the views of the World Economic Forum,nor the entirety of its Members,Partners or other stakeholders.ASEAN Digital Generation Report:Digital Financial Inclusion2ForewordThis years edition of the report is the sixth in a series of annual reports that the W

5、orld Economic Forum and Sea have jointly produced since 2017.We continue to monitor the aspirations and concerns of ASEANs digital generation with the hope of generating insightful data to inform policy choices for the region in its pathway to a sustainable and inclusive digital economy.Respondents

6、confirmed the powerful role of digitalization in broadening access to financial services,particularly for underserved groups such as rural dwellers,micro-businesses and women.They further pointed out specific pain points/barriers against their access to financial services in the region.Respondents a

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根据报告的内容,本文主要探讨了东南亚国家联盟(ASEAN)数字一代的数字金融包容性。关键点包括: 1. ASEAN数字一代积极采用数字金融服务,尤其是数字支付应用,他们期望进一步数字化金融服务。 2. 数字服务对农村居民、微型企业和女性等弱势群体提供了更好的金融服务接入机会,有助于提高包容性。 3. 尽管数字一代重视金融服务的社会安全网和储蓄作用,但只有五分之一的受访者能够获得信贷、投资和保险。 4. 数字素养和金融产品理解能力与金融服务采纳率呈正相关。然而,调查显示,受访者中24%的人从未学习过如何管理自己的财务。 5. 受访者主要通过家人和朋友、实践学习和社交媒体获取财务管理技能。 6. 安全性和信任是数字一代采用金融服务的基础要求。 7. 促进更多国际支付可以帮助减少国际交易的摩擦和成本,为商业提供更多区域/国际机会。 8. 需要多利益相关者合作,在提高数字和金融素养、加强网络安全和信任以及增强数字金融服务接入等方面采取行动。
东南亚数字一代如何看待数字金融服务? 东南亚数字一代在获取金融服务方面面临哪些障碍? 如何提高东南亚数字一代的金融素养?
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