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GSMA:2026亚太地区数字金融服务:以创新推动普惠金融研究报告(中译版)(64页).pdf

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1、Digital financial services in Asia PacificDriving inclusion through innovation The GSMA is a global organisation unifying the mobile ecosystem to discover,develop and deliver innovation foundational to positive business environments and societal change.Our vision is to unlock the full power of conne

2、ctivity so that people,industry and society thrive.Representing mobile operators and organisations across the mobile ecosystem and adjacent industries,the GSMA delivers for its members across three broad pillars:Connectivity for Good,Industry Services and Solutions,and Outreach.This activity include

3、s advancing policy,tackling todays biggest societal challenges,underpinning the technology and interoperability that make mobile work,and providing the worlds largest platform to convene the mobile ecosystem at the MWC and M360 series of events.We invite you to find out more at AuthorsKenechi Okelek

4、e,Senior Director,GSMA IntelligenceSayali Borole,Senior Analyst,GSMA IntelligenceContributorsKennedy Kipkemboi,Public Policy&Advocacy Director,Mobile Money,GSMA Karim Dia,Senior Mobile Money Regulatory Specialist,GSMAJi Park,Marketing Specialist,GSMAGSMA Intelligence is the definitive source of glob

5、al mobile operator data,analysis and forecasts,and publisher of authoritative industry reports and research.Our data covers every operator group,network and MVNO in every country worldwide from Afghanistan to Zimbabwe.It is the most accurate and complete set of industry metrics available,comprising

6、tens of millions of individual data points,updated daily.GSMA Intelligence is relied on by leading operators,vendors,regulators,financial institutions and third-party industry players,to support strategic decision-making and long-term investment planning.The data is used as an industry reference poi

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1. **DFS推动金融包容性**:全球账户持有率从2014年的62%升至2024年的79%,低收入国家(LICs)成人移动货币账户占比达32%(GSMA数据)。 2. **亚太地区多样性**:DFS模式分银行主导、非银行主导和混合模式,混合模式因政府支持、技术进步(如AI)及市场需求成为趋势。 3. **三大关键推动因素**: - **监管创新**:如数字银行牌照、监管沙盒; - **数字公共基础设施(DPI)**:如柬埔寨Bakong系统连接70家机构,处理600万亿美元交易; - **跨部门合作**:银行、MNOs、 fintech协作扩大覆盖。 4. **挑战与机遇**:需解决数字素养、信任度及商业可持续性问题,同时通过跨境支付、普惠信贷等提升服务。
亚洲DFS如何创新? DFS如何促进普惠金融? DFS面临哪些挑战?
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