1、 APEC Economic Committee APEC FinTech Scoping Study March 2023 ASEAN-Australia DTS Initiative APEC FinTech Scoping Study 2 Important Notice This report has been prepared by Access Partnership for APEC.Access Partnership is a global policy consulting firm with integrated expertise across many areas,i

2、ncluding technology,government affairs,multilateral organisations,and sustainability.All information in this report is derived or estimated by Access Partnership using both proprietary and publicly available information.APEC has not supplied any additional data,nor does it endorse any estimates made

3、 in this report.Where information has been obtained from third-party sources,this is referenced in the footnotes.Published 2023.ASEAN-Australia DTS Initiative APEC FinTech Scoping Study 3 Background.4 Executive Summary.6 Key Takeaways.6 Recommendations.7 1.Understanding APECs FinTech Landscape.10 1.

4、1 FinTech Innovation in APEC.10 1.2 FinTech Ecosystem Stakeholders.28 2.FinTech Policies and Regulations in APEC.32 2.1 Enabling Policies and Regulations.32 2.2 Foundational Frameworks.42 3.Sizing APECs FinTech Opportunity.52 3.1 Digital Transactions in APEC.52 3.2 Digital Transactions and Digital T

5、rade Growth.55 3.3 An Enabling Policy Environment and FinTech Activity.59 3.4 Limitations.65 4.Conclusion and Recommendations.66 Appendix I.APEC Economies FinTech Landscape Summary.68 Appendix II.Economic Impact Methodology.87 Contents ASEAN-Australia DTS Initiative APEC FinTech Scoping Study 4 Back

6、ground The growth of digital economies,accelerated by COVID-19,has transformed many industry sectors as consumers,businesses,and government agencies adopt digital technologies and applications.Throughout 2020,lockdowns greatly impacted the daily operations of several vertical industries and limited