1、The ASEAN Access to Digital Finance Studywith the support ofSeptember 2022The ASEAN Access to Digital Finance StudyThe ASEAN Access to Digital Finance StudyThe ASEAN Access to Digital Finance StudyTania Ziegler,Krishnamurthy Suresh,Zhifu Xie,Felipe Ferri de Camargo Paes,Peter J Morgan and Bryan Zhan

2、gPlease cite this study as:CCAF and ADBI(2022)The ASEAN Access to Digital Finance Study,Cambridge Centre for Alternative Finance and the Asian Development Bank Institute3Table of contentsForewords.5CCAF foreword.5ADBI foreword.6FCDO foreword.7Research team.8Acknowledgements.9Research partners.10Exec

3、utive summary.11Individual consumer and household users of digital finance.11MSME users of digital finance.12Policy implications and recommendations.131 Introduction.151.1 Study rationale and research objectives.151.2 Report structure.152 Methodology.172.1 Data source and collection.172.2 Data sanit

4、isation,verification and analysis.172.2.1 Analysis type.192.2.2 Limitations.192.3 Alternative finance taxonomy.193 Individual consumer and household access to digital finance.223.1 P2P/marketplace consumer lending.223.1.1 Profile of respondents .223.1.2 Relationship with traditional financial servic

5、es.243.1.3 Borrowing experience.263.1.4 Outcome of financing and Covid-19 impact.313.2 Buy now,pay later.333.2.1 Profile of respondents.353.2.2 Relationship with traditional financial services.363.2.3 Purchase experience.373.2.4 Outcome of financing and Covid-19 impact.4444 MSME access to digital fi

6、nance.474.1 P2P/marketplace business lending.474.1.1 Profile of respondents.474.1.2 Relationship with traditional financial services.494.1.3 Borrowing experience.544.1.4 Outcome of financing and Covid-19 impact.604.2 Invoice trading.654.2.1 Profile of respondents.654.2.2 Relationship with traditiona