菲律宾中央银行报告称,菲律宾的电子钱包渗透率增长速度更快,并且超过了信用卡数量。
Bangko Sentral ng Pilipinas(BSP)在金融包含仪表板中发布了这一信息,该仪表板指出2018年电子货币账户增加了22%,达到3300万。这包括500万活跃电子钱包和2800万张预付卡。 电子货币,据NewsBytes菲律宾报道。
与此同时,信用卡只渗透了9%的人口。
这些数字似乎支持了电子钱包等数字技术可以帮助人们获得基本金融服务的说法。 菲律宾中央银行似乎意识到这一事实,监管机构已经采取了一些措施来帮助推动这项技术的采用,以实现金融包容性。
这个数字是有道理的,因为电子钱包更容易被没有银行账户的人群所接受,易于设置,并且不要求用户通过信用卡等严格的要求。
在菲律宾PayMaya举办的2019年消费者品牌调查中,电子钱包增长背后的三大理由是开设账户的便利性(60%),免费(54%)和简单的Add Money功能(36%)。
这些特征是BSP最新调查中没有拥有正式账户的受访者所引用的最大障碍的答案:没有足够的资金来开设账户(60%)并且缺乏所需的文件。(18%)。
原文:E-Wallet Use Overtakes Credit Cards in Philippines, According to Central Bank
Philippines’ central bank reported that e-wallet penetration is growing faster in the Philippines and has surpassed credit card numbers.
Bangko Sentral ng Pilipinas (BSP) released this information in a financial inclusion dashboard, which states that e-money accounts rose by 22% to 33 million in 2018. This is composed of five million active e-wallets and 28 million prepaid cards linked to e-money, reported NewsBytes Philippines.
Meanwhile, credit cards have only penetrated 9% of the population.
The numbers seems to support the narrative that digital technologies like e-wallets can help the population access basic financial services. Philippines’ central bank seem to recognize that fact, the regulator have been taking several steps to help drive adoption of this technology for the purposes of financial inclusion.
The number makes sense, as e-wallets are more accessible to unbanked populations, easy to set up, and do not require users to pass stringent requirements like credit cards.
In a 2019 Consumer Brand study conducted by PayMaya Philippines, the top 3 reasons behind the e-wallet’s rise is the convenience of opening an account (60%), no fees (54%), and easy Add Money features (36%).
Such features are answers to the top barriers cited by the respondents of the BSP’s latest survey for not owning a formal account: not having enough funds to start an account (60%) and lack documents required. (18%).