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泰国金融科技
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第七篇:安永表示,泰国有可能成为东盟的重要金融科技中心 | 出海泰国金融科技岛群第2期

2019-08-07 13:10:42

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根据安永的一份新报告,拥有大量无银行账户,高流动性和互联网普及率以及强劲的宏观经济增长,泰国拥有成为东南亚下一个金融科技巨头的能力。

支持这一概念的另一个证据是,即便是最畅销的作家,获奖的演讲者和金融科技专家Brett King也将搬到泰国。

 

Fintech Thailand:推动其增长的因素

在推动泰国金融科技发展的关键因素中,安永的泰国金融科技景观报告引用了该国的高互联网普及率,东盟最高,为83.5%,以及大量欠银行人口(22%),要求价格合理,便捷的金融科技解决方案

泰国银行通过推出自己的计划以及采购和资助加速器,积极参与并为金融科技的发展和发展做出了贡献。

其中包括孵化器和加速器,如曼谷银行于2017年推出的Innohub Vision,以及Krungsri银行风险投资部门的企业创新加速器RISE。

Kasikorn Bank是Kasikorn Bank的投资部门,其预算总额为2.45亿美元,优先投资于金融科技和电子商务,而暹罗商业银行的风险投资(VC)部门Digital Venture DVA于2016年推出对高科技创业公司进行战略投资,并在全球范围内投资资本基金,包括Golden Gate Ventures,Nyca Partners,Dymon Asia Ventures和Arbor Ventures。

政府还推出了几项举措,以帮助创业公司获得资金并为其提供财务支持。其中包括5.7亿美元的风险基金,用于援助当地的创业生态系统,以及对风险投资和企业基金的税收减免,以便他们在特定企业进行投资。

 

政府支持

根据该报告,泰国在监管开放和进步方面得分很高。该文件引用了“适应政策”和已采取措施促进金融科技创新。

例如,它注意到泰国和新加坡之间就数字支付系统联动的合作将于2020年上半年投入使用。

2018年8月,泰国中央银行泰国银行(BOT)与泰国8家银行和技术合作伙伴R3合作推出了Inthanon项目,旨在设计和开发批发资金转移发行的概念验证原型。中央银行数字货币。 (批发CBDC)。

泰国还有几个监管沙箱。这些涵盖了金融服务的不同方面。

BOT Sandbox在QR支付和跨境支付等领域对新鲜的,前所未见的创新开放。这些公司在沙箱中停留了6到12个月。

美国证券交易委员会(SEC)Sandbox允许选定的公司在监管机构的监督下最多一年测试了解您的客户(KYC)技术。

OIC Sandbox允许保险公司,代理商和insurtech公司对insurtech产品进行beta测试。

最后,F13帮助金融科技创业公司测试并验证他们的产品/服务与真实客户。

报告称,所有这些举措和政策都集中在泰国4.0计划上,这是一项专注于高科技产业和创新的全国性战略。

该计划旨在将研发(R&D)支出增加到GDP的4%,在五年内将经济增长率提高到5-6%,并将人均国民收入从2014年的5,470美元增加到2032年的15,000美元。

尽管金融科技发展有利,尽管泰国在全球最佳技术外包中心中排名第八,但科技人才短缺是该国面临的主要挑战。报告称,在400,000个职位中,只有2.5%的毕业生能够满足技术技能要求。

为了解决这个问题,国家改革,战略与和解委员会(NRSRC)批准了“智能签证”,这是一种简化的快速程序,为四类外国人才提供四年签证:投资者,初创企业家,高级管理人员和高技能人才。

 

新生但正在增长

报告称,泰国的金融科技行业有望实现强劲增长,特别是在数字支付,区块链和点对点(P2P)贷款等领域。

它注意到金融科技的采用率上升,称2017年数字支付交易量从2016年猛增83%至58.7亿。泰国数字支付比率已增至总支付交易额的10%以上。

报告称,今天,泰国总人口的62%正在进行电子银行交易。

泰国一些最着名的金融科技创业公司包括Omise,一种支付解决方案和实时欺诈检测提供商,Jitta,一种投资解决方案,MoneyTable,一种简化财务分析的平台,Finnomena,一种在线平台,可以获得有关公众投资的专家建议市场,FlowAccount,一个基于云的中小企业(SMEs)双语会计平台,Masii,一个在线比较平台,和周日保险,一个insurtech初创公司。

金融科技行业由泰国金融科技协会代表,该协会成立于2016年7月,旨在促进金融科技领域之间的网络和连接。该协会的主要贡献包括创建F13监管沙箱。

 

 

 

原文

Thailand Has The Potential To Become A Key ASEAN Fintech Hub, Says EY

 

Boasting a large population of unbanked, high mobile and Internet penetration, and robust macroeconomic growth, Thailand has what it takes to become Southeast Asia’s next fintech powerhouse, according a new report by EY.

A further testament supporting that notion is the fact that even the bestselling author, award winning speaker and fintech expert Brett King is moving to Thailand.

 

Fintech Thailand: Factors driving its growth

Among the key factors driving the growth of fintech in Thailand, EY’s Thailand Fintech Landscape Report cites the country’s high Internet penetration rate, the highest in ASEAN with 83.5%, as well as the large pool of underbanked people (22%), which have been increasingly demanding affordable, convenient fintech solutions.

Thai banks have actively participated and contributed to the development and growth of fintech by launching initiatives of their own, as well as sourcing and funding accelerators.

These include incubators and accelerators such as Innohub Vision, launched in 2017 by Bangkok Bank, and RISE, a corporate innovation accelerator by the venture arm of Krungsri Bank.

Kasikorn Vision, the investment arm of Kasikorn Bank, has a total budget of US$245 million that prioritizes investments in fintech and e-commerce, and Digital Venture DVA, the venture capital (VC) arm of Siam Commercial Bank, was launched in 2016 to make strategic investments in high technology startups and ventures capital funds around the world including Golden Gate Ventures, Nyca Partners, Dymon Asia Ventures and Arbor Ventures.

The government has also introduced several initiatives to help startups get funding and financially support them. These include a US$570 million venture fund to aid the local startup ecosystem, as well as tax exemptions to VCs and corporates funds for their investments in selected businesses.

 

Government support

According to the report, Thailand scores high in terms of regulatory openness and advancements. The document cites “accommodating policies” and initiatives that have been put in place to foster fintech innovation.

It notes for instance the collaboration between Thailand and Singapore on a digital payment system linkageset to go live by the first half of 2020.

In August 2018, the Bank of Thailand (BOT), the country’s central bank, launched Project Inthanon, a collaboration with eight banks in Thailand and technology partner R3, to design and develop a proof-of-concept prototype for wholesale funds transfer issuing wholesale Central Bank Digital Currency. (Wholesale CBDC).

There are also several regulatory sandboxes available in Thailand. These cover different aspects of financial services.

The BOT Sandbox is open to fresh, never-seen-before innovation in areas including QR payments, and cross-border payments. The companies stay in the sandbox for six to 12 months.

The Securities and Exchange Commission (SEC) Sandbox allows selected companies to test know-your-customer (KYC) technologies for a maximum of one year under the supervision of the regulator.

The OIC Sandbox allows insurers, agents and insurtech players to beta-test insurtech products.

Finally, F13 helps fintech startups test and validate their product/service with real customers.

The report says all these initiatives and policies are centered on the Thailand 4.0 plan, a nationwide strategy focusing on high-tech industries and innovation.

The plan aims to increase research and development (R&D) expenditure to 4% of GDP, increase economic growth rate to 5 – 6% within five years, and increase national income per capita from US$5,470 in 2014 to US$15,000 by 2032.

Despite the favorable landscape for fintech development and though Thailand ranks 8th among the best tech outsourcing hubs globally, the shortage of tech talent is a key challenge in the country. Out of the 400,000 positions available, only 2.5% of graduates are able to fulfill the technological skillset requirement, the report says.

To address this issue, the National Reform, Strategy and Reconciliation Committee (NRSRC) has approved the “Smart Visa,” a simplified and fast track procedure that grants four-year visas for four types of foreign talents: investors, startup entrepreneurs, high-level executives and highly-skilled individuals.

 

Nascent but growing

Thailand’s fintech sector is poised for strong growth, especially in areas such as digital payments, blockchain, and peer-to-peer (P2P) lending, the report says.

It notes the rise of fintech adoption, stating that digital payment transactions surged by 83% from 2016 to 5.87 billion in 2017. Thailand digital payment ratio has increased to above 10% of total payment transactions.

Today, 62% of the total Thai population are making electronic banking transactions, the report says.

Some of Thailand’s most notable fintech startups include Omise, a payment solutions and real-time fraud detection provider, Jitta, an investing solution, MoneyTable, a platform that simplifies financial analysis, Finnomena, an online platform to get expert advice on investments in the public market, FlowAccount, a cloud-based bilingual accounting platform for small and medium-sized enterprises (SMEs), Masii, an online comparison platform, and Sunday Insurance, an insurtech startup.

The fintech industry is represented by the Thai Fintech Association, an organization established in July 2016 aimed at facilitating network and connections among the fintech space. Key contributions of the association include the creation of the F13 regulatory sandbox.


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