[国际会议] 赋权思想实现金融包容性.pdf

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1、Empowering Minds,Enabling Financial Inclusion Vice President,Research and ConsultingNidhi Verma1 2024 TransUnion LLC All Rights Reserved2The World Bank has recently provided a general framework for financial institutions to enable financial education for consumersWorld Bank Report:Building a Financi

2、al Education Approach A Starting Point for Financial Sector Authorities,Jun 2021Monitoring and EvaluationPartnershipGuidanceConsumer tools 2024 TransUnion LLC All Rights ReservedGrowth in consumers self monitoring credit has been significant given the challenging economic backdrop and fraud awarenes

3、sIndexed Volume Growth of Self-Monitoring Consumers in Q4 2023 vs.Q4 202031.51.43.94.24.3131.4Consumer Volumes Indexed to Q4 2020=1Source:TransUnion Consumer Credit DatabaseSelf-monitoring ConsumersQ3 2020 vs Q3 2023 for Canada and US 2024 TransUnion LLC All Rights ReservedA recent voice of consumer

4、 survey further reiterates the importance ofmonitoring credit regularly487%71%84%71%92%85%USCanadaHongKongColombiaIndiaSouthAfrica%Consumers Who Consider Monitoring Credit as Moderately,Very and Extremely Important%Consumers Who Reported Monitoring Their Credit Daily,Weekly,or Monthly59%38%46%31%75%

5、50%USCanadaHongKongColombiaIndiaSouthAfricaSource:TransUnion Consumer Pulse Survey,Q3 2023Voice of Self-monitoring Consumers 2024 TransUnion LLC All Rights ReservedIdentify the distinct characteristics of credit monitoring consumers:Review the distinct consumer profiles of those who enroll into cred

6、it monitoringUnderstand consumer intentions:Review the high-level intentions of consumer segments who enroll into credit monitoringEvaluate the impact of credit education on financial inclusion:Take a deeper look at how financial inclusion consumer segments benefit from credit education on those int