全球金融科技應(yīng)用指數(shù)報(bào)告

1、ContentsContentsfindings1: adoption 08Seen and11the rules the game: changing priorities15Rise non-financial and the 18202: SME adoption 22SMEs 26joining 303: the mouththe36and42AcknowledgementsSpecial thanks to our panel of FinTech contributors: Coinbase, Funding Circle, Discovery Group, JD Digits,

2、Juvo,Goldman Sachs, Grab Financial Group, InstaReM, Moneytree KK and Yolt.Key findingsas Consumer survey96754896754864Global 64Global at one and 3 out 4 and 1 out 2 use a challengerturn other than their main banka non- financial financial willing their bank other SME survey254656254656SMEfind aGloba

3、l SMESMEs a and SMEs usea financingsolution 89Top reason for SME adopters to use a FinTech challengerSME adopters are willing to share data with FinTech companiesGlobal Adoption Index 5Chapter 1Chapter 1has up and No up is a a on a what Adoption has 16 in 2015, the Adoption published, 33 in 64 in 20

4、19. among non- is high. 96 at one help them and Adapting the this dynamic online with than 27,000 in 27 up 20 in 2017. the 27 this a the leading in abouttheir19five define a assomeonewhohasusedorthis a habitual change in in a that a single does A a major or or such as online and online our methodolo

5、gy in at end this the time included incumbent financial such as and in our definition In prior on whom with, or a an inclusion is an that that with main and A is one that been such as or disrupt a more compelling offering such as enhanced capabilities, convenience, or lower prices and fees. This pro

6、foundly changes customer expectations in the process, pressuring incumbents to develop their similar services to stay competitive and retain market share.An invented service is one that didnt exist before but isand such as lending and mobile-phone Some fill in the the and financial FIGURE 1 | Consum

7、er FinTech adoption across 27 markets807064Average6087 China87 India82 Russia82 1076 Colombia75 Peru73 Netherlands72 71 UK67 Argentina67 Hong Kong*67 Singapore67 South Korea66 Chile64 Brazil64 Germany64 Sweden64 2058 Australia56 Spain51 Italy50 Canada46 USA42% Bel & Lux*35 34 304050Notes: The figure

8、s show FinTech adopters as a percentage of the digitally active population in each market.All averages are shown on an unweighted basis.*Hong Kong SAR of China*Belgium & LuxembourgGlobal Adoption Index 7Seen everywhere: growing and globalizingHong 29Hong 29UKFIGURE 2 | Comparison of FinTech adoption

9、 in six markets from 2015 to 2019is an industry that has early the dial on looking start-ups and more like professionally managed companies with broad operational capabilities, a full suite of products and a global reach. Many of these companies have been through several rounds of fund-raising, incr

10、eased their staff, created corporate departments such as human resources, accounting and legal, and expanded beyond their home markets.has on the the in all leadingtheinbothChinaandIndia,theadoptionis 87 . behind and South both with 82 adoption. Among the the UK and lead in adoption, in part open ba

11、nking in the adoption the six Hong the UK and the US has 16 in 2015, 201520172019in 2017, 60 in 2019. the five six in and the In the 18 has that than half in six some or all funds Notes: The figures show adoption rates per market for the six marketsfor which a comparison is available.adoption is tha

12、n global adoption 64 in 2019 12 the 52 adoption 2017 behind the in the in a big Markets with a sharp rise in adoption from 2017 to 2019, such as Ireland, the Netherlands and Singapore, reflect the availability of FinTech services offered by banks, insurers, stock brokers and other incumbent financia

13、l institutions.Finding 2: Only 4 global not and As in previous years, we grouped FinTech services into five categoriesmoney transfer and payments, budgeting and financial planning, savings and investment, borrowing and insurance. Respondents indicated if they were aware of and if them.Finding 3: a i

14、s high but and In both India and 99.5 that and in India in part the plan, in 2017, the amount paper in In the be sanctions on major which has the such as in and surprisingly high 89 the mobile phone and 82 and non-bank with on- and means with a options upon further FIGURE 3 | Consumer awareness of F

15、inTech services in each category42922244292224and Budgeting and financial planningNotes: The figures refer to the percentage of respondents who indicate they were not aware and have not heard of any services for that category.FIGURE 4 | Comparison of FinTech categories ranked by adoption rate from 2

16、015 to 201920152017201918and182420242010Rankandfinancialplanning3Rank4Notes: The figures show the average percentage of respondents who reported using one or more FinTech servicesin that category. Data for 2015 differs from that originally published in order to align to the 2017 categorization and a

17、veraging methodology.used is with 75 using at one in this In China, and apps the adoption is 95 . used in this non-bank and their is the up an which our 2017 be the using the same is not true other some or such as in and lending on which in adoption as with half the globally using a an smart or buyi

18、ng such as non-financial adoption, such as equipping with “black or apps on mobile that use to count steps and gain fitness discounts on theirhealth insurance.High rates of FinTech use for some services do not necessarily indicate markets are saturated as a whole. Our survey shows strong growth pote

19、ntial in areas such as budgeting and financial planning, and savings andthe lies in out the adoption still including in and without and is 27 and 40 men.Overall, we expect the FinTech industry to continue to be dynamic and innovative, even in categories such as money transfers and payments. Growth w

20、ill be driven both by increased market penetration for existing services andthe global only in a in the either and or similar in each also that such as artificial and will spur the Redefining the rules of the game: changing consumer prioritiesFinding 4: FinTech adopters prefer online andfinancial ab

21、outpersonal data security.their in Belgium and the perhaps due in their comfortable with online aggregator sites and all-digital,Digital is disrupting and financial at a and and need be the their built using a and agile a able branchless financial services.FIGURE 5 | Analysis of views on personal ri

22、sk management and digital financial services, FinTech adopters versus non-adoptersthatatandAsourfindings in 2017, appealingina truly incumbent that this that disrupt their and either I theconditionswhenIsignup financialI worry about the whenwith Ibea financial 18657165or in-house In their in such as

23、 online online and and I all financial in one through an online or Adopters60In has the rules the game in financial What and in 2015 has a all so similar must whether or a out, it helps a what what While much willing than an online or an app that them all their financial in one than about the the wh

24、o or with their financial and and that does not using media with Only 27 chat with their bank via media than the app or is higher (32 ) among ages25and34;priorhasthat68media all whether in seeking or their the norm: and the enabled Finding 5: and has the up an as the primary choosing a China is an e

25、arly a global and the enabled and, in some changes in a frictionless onboarding experience; it has become anOne sign the is the in priorities when look a In 2017, 30 the opening an as their when a while only 13 said or In the 2019 the priorities flipped, with 27 and 20 picking opening an as the the

26、adoption in that open APIs which has made opening kindfinancial virtually industry hygiene factor, meaning customers can shift their attention to other priorities.and and as their using a perhaps the the wide simply trying or with an them FIGURE 6 | Select reasons for using FinTech challengers, from

27、 2015 to 2019121213161820242730More or up an more and Better experience, better product features and quality of service20172019Notes: The figures show the percentage of adopters that chose each answer as the primary reason for using a FinTech challenger in 2019 and in2017. Data for 2017 differs from

28、 that originally published in order to align to the 2019 categorization and averaging methodology.Finding 6: While consumers trust in their main bankor high, 33 turn another when a financial FIGURE 7 | Select reasons for using incumbent financialinstitutions, from 2015 to 2019also an in the As it in

29、 2017, lack and be the opt an incumbent financial than a one has risen the in 2017 the in 2019 with incumbent trust them than is the barrier usinga challenger in such as As their their build on trust on 582234Not or 582234Greater level of trust than with FinTech challengers2017the that as the primar

30、y using an incumbent financial in 2019 and in 2017. 2017 that originally published in align the 2019 and and turn their bank or when a 33 said be it another a or a In said not turn, their and while lacking FIGURE 8 | Primary financial services relationship owner, by FinTech adopters and non-adopters

31、24 26Non-adopters4 26My or Another financial thatI a A that I a Options a OtherNotes: The figures show the percentage of adopters and non-adopters who indicated who they would turn to first when considering a new financialsservices product or policy.multiple financial a including and outside five or

32、 with 7 multiple with the and financial a wide and and and other help themthe hold with specific and the with using five or in China (36 ), UK (23 ) and Japan (22 ). also in which open APIs within financial gained which both enables be multiple and the such as financial managementan important in fin

33、ancial with 30 and on friends and the 13 who depend on at their bank or rise media helps that an mean that their need be mindful industry that including that be and omni-channel. that meet then build on their such as with industry and and a global Rise of non-financial services companies and the gro

34、wth of ecosystems7: a a and a that outside the financial Non-financial such as and their financial buildon existing relationships with customers to offer holistic propositions accompanied by complementary services, including activities such as insurance and lending that were once the exclusive purvi

35、ew of financial providers.non-financial game gone their their original consumer propositions to become faster, frictionless, cheaper and more convenient. Their successful transformations influence consumer perceptions and expectations toward financial offerings.the five 68 a financial a non-financia

36、l open (45 ) and firms (44 ) as and willing and such as banking and FIGURE 9 | Analysis of preferences in using non-financial services company as providers of financial services productsPeer-to-peer or onlinePeer-to-peer or onlinesmart homeandindividualeWallet that can be used forwith Online andmana

37、gementor online loans as Online budgeting andfinancialplanningOnline digital-onlybanking bankFigure 9 continues on the following page.Figure 9 continued.financial as the Power and utilitiesthe Power and utilitiesandmediaRetailOtherdepend on the such as during or in enabling when whether be with thei

38、r main bank sharing their financial with other if that might 46 said with just 20 when it sharing with non-financial said be willing with other financial 31 with and just 23 with non-financial willing with than with financial the who that be willing using specific if in non-financial also each As mu

39、ch willing than financial non- financial 30 non- willing a bank a non-financial FIGURE 10 | Analysis of preferences in sharing banking data, by FinTech adopters and non-adopters8810172023313846Other financial services institutionsNon-financial the who either or that be their main bank their financia

40、l with other and the and that or at one the other as as and These ecosystems feature webs of collaborative,and as as and These ecosystems feature webs of collaborative,and within a industry change and All this and global who and willing on consumer expectations, they do not yet have the fullconfiden

41、ce of consumers when it comes to providing financialon their When if with a non-financial financial half (47 ) said be if the non-financial in with a financial27 said be the if the non-financial with a and just 18 said be the if the non-financial them on the as the primary trust and their main point

42、 in driving MethodologyOur is on 4 February and 11 March 2019. The aim was to get a global understanding of FinTech adoption trends between markets, demographic groups, and over time. We interviewed consumers in27 as one the theUKandtheOur 2015 had 10 within five and defined a as who used or In 2017

43、, in the industry had added that not in all our among the and similar a someone who used or Our 2019 the same five used in prior and financial planning, and 19 individual the same that used in 2017, enabled also that some the been financial and some and enabled As with prior during the each in and n

44、amed, market-specific providers of those services to aid therespondents comprehension.FIGURE 11 | List of consumer FinTech servicesMoney transfer and paymentsOnline foreign exchangeOverseas remittancesDigital-only branchless bankingPeer-to-peer payments and non-bank money transfersIn-store mobile ph

45、one paymentsCryptocurrency eWalletBudgeting and financial planningOnline budgeting and financial planning toolsOnline retirement and pensions management toolsSavings and investmentsLending on peer-to-peer platformsInvestments via crowdfunding platformsOnline investment advice and investment manageme

46、ntOnline stock brokingOnline spreadbettingBorrowingOnline-only loan providersOnline marketplaces and aggregators for loansOnline loan brokers and broker facilitation websitesInsuranceInsurance premium comparison sitesInsurance-linked smart devicesApp-only insurance In each used that and gender all t

47、he as the means the that lack a that is slightly in an +/- 1.6 , with a 90 and in in English is not a in who only speak a but who in that with applied an with the one the 27 such as and also each and thenglobal When asking about the in each with the mean as theChapter 2Chapter 2SME FinTech adoption

48、trendshas the and the and in and or and as in as a and a SME and decision at 1,000 SMEs in five UK and and and the anonline our is SMEs that our methodology in at the end this SMEs are at a different point in their adoption journey compared to consumers, therefore we used a different methodology in

49、our SME analysis. An SME FinTech adopter has in the past six months used services provided by a FinTech in all four of the following categories: banking and payments, financial management, financing and insurance.is high what an SME seeking and their also subject in which adoption and such as audit

50、and or SMEs in which been used SMEs also the SMEs online and Mobile Sale machines while other such as mobile phone FIGURE 12 | SME FinTech adoption across 5 markets61 61 China23 USA1018 UK16 South Africa11 Mexico2025Average adoption30604050Notes: The figures show FinTech adopters as a percentage of

51、the digitally active SME population in each market.All averages are shown on an unweighted basis.Global Adoption Index SMEs worldwide have become significant users of FinTechFinding1:25SMEsOur survey shows that the FinTech adoption rate among SMEs is poised About 22 use FinTech services in three cat

52、egories, which means theythe five China adoption at 61 , the at 23 . adoption globally is 25 . means that within the six one in SMEs globally used a in all When SMEs a it means that that be a SMEs and their the decision a is and made in a SMEs adopt specific and 25 isa high adoptionwhen it The excep

53、tionally high adoption rate in China is indicativethefinancialandChinanotpartthemix,theglobaladoption be at 17 . In that the US the SME adoption among theUKandSouthon the ties in with our about in which SMEs if each in the that the global adoption 25 64 .be adoption among SMEs is 38 . also a outlook

54、:theadoptionamongSMEswithanis 55 . is also an emphasis on with all (96 ) that online and mobile channels their also online and online billing and managementFinding 2: SME in all the and as the in a the 24 a a our five SMEs a good the clock, and in priorities In looking banking, as the important In C

55、hina, a not it but it as a In a with super is a SME the number one is and In South SMEs the doing in an with daily and is among the FIGURE 13 | Top reasons for using FinTech globallyandin the andtheirand features24 a 7 a in and using the with daily and the that each as one their using a challenger a

56、n incumbent financial Finding 3: 56 used the banking ChinaNotes: The figures show the percentage of SMEs that have used at least one service in the respective category.More than half (56 ) of SMEs worldwide have used banking and payments services, making it the most widely used category, followed by

57、 financial management, financing and insurance. We consider the rate of use per category as the percentage of SMEs that have used at least one FinTech service in that category in the past six months.SMEs in banking and with 63 using in that In China, the is 92 . high financial and financial which op

58、portunities in the needs including them with their such as banking and SMEs also lead their whom the and help the specific the In the used online and management online billing and online In the online billing and management and machines and SouthAfricaUKBankingandFinancial FinancingInsuranceFinTech

59、challengers are joining SME-provider ecosystemsFinding 4: 93 find a solution including whena SMEs support a wide When with a suchas a change in regulations, they are more likely than non-As amongst SMEs joining that financial incumbent financial and, in some non-financial Such SMEs added and their s

60、eek When 93 a with 70 FIGURE 15 | Analysis of views on risk management, financial needs, and use of technology, by FinTech adopters andnon-adopters63My hasinsufficient plansinplace financial and6357financial and donot sufficientlymeet 576979Onthe and meettheneeds6979When find a70936182solution 70936