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1、MovingtheNeedle How Digital Finance Can Drive Financial Inclusion in SEAA report from Kapronasia in collaboration with GrabNovember 2022ContentsExecutive Summary 3Key Findings 4Introduction 6Findings and Recommendations 7Conclusion 34Appendix 36Moving The Needle3Executive SummarySoutheast Asia is on

2、e of the most rapidly developing regions in the world and is set to become the worlds fourth largest economy by 2030.However,more than 70%of the adult population across the region is either“underbanked”or“unbanked,”with limited access to financial services.Millions of Southeast Asias small and midsi

3、ze enterprises(SMEs)also face large funding gaps.If the region wants to achieve its full potential,the challenges preventing further take-up of financial services need to be overcome.Importantly,Digital Financial Services(DFS)will play an important role in fostering greater financial inclusion.If DF

4、S are to fulfill their promise in this regard,obstacles constraining their further uptake will need to be addressed.It is to that end that we surveyed 4,800 consumers,gig-workers,and SMEs across six Southeast Asian markets:Malaysia,Singapore,Indonesia,Thailand,Vietnam,and the Philippines,to capture

5、perceptions of the current financial landscape and fintech developments,as well as challenges these users face while using DFS.The report shines a light on the nuances that exist between these three market segments and their experiences with financial products and services,both traditional and digit

6、al,and within and across the six markets surveyed.Through the survey the intent was to uncover these variations,understand the drivers behind them and draw out implications and make recommendations for the industry and policymakers to help adoption of DFS in the region and the provision of a better