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拉丁美洲(LATAM)正经历着金融科技的繁荣发展,而巴西是该地区的经济重镇,该国拥有世界第五大人口,正在引领这场革命。
根据Finnovista的资料,2019年5月,该国共有380家金融科技公司,而安永将巴西三分之二(64%)的消费者定义为金融科技采用者,这一比率与全球平均水平持平,高于七国集团的大多数国家。几个因素为整个金融服务行业的创新创造了肥沃的环境,并推动了这场革命:
大量未得到充分服务的人口:在过去的六个月中,该国大约有4500万人无法使用或未使用银行帐户。
人口特性:巴西的年龄中位数为32岁,为该国的金融科技公司提供了庞大,年轻且精通技术的消费者群,这可能更容易接受数字金融解决方案。
智能手机和互联网普及率:2017年,四分之三的巴西人使用智能手机,预计到2025年将增长86%,这两个数字均是该地区最高的。
运营商收取高额费用:巴西的四家最大的银行控制着该国近80%的存款,其信贷和资产的集中程度相似。
支持性监管:巴西对金融科技友好的监管议程旨在刺激金融服务领域的竞争。
Business Insider Intelligence在一份新报告《拉丁美洲金融科技快照:巴西》中探讨了巴西金融科技活动的浪潮。该报告研究了上述五种趋势,以及该国显着的金融科技领域,在这些细分市场中值得关注的六种金融科技,以及该地区金融科技增长的机遇与挑战。
How Brazil is leading Latin America's fintech revolution
How Brazil is leading Latin America's fintech revolution
Latin America (LATAM) is experiencing a fintech boom — and Brazil, the region's economic powerhouse that's home to the world's fifth-largest population, is leading this revolution.
There were 380 fintechs operating in the country in May 2019, per Finnovista, and around two-thirds (64%) of Brazilian consumers are defined as fintech adopters by EY — a rate that's level with the global average and higher than the majority of G7 countries'. Several factors have created a fertile environment for innovation across the financial services industry, driving this revolution:
A large underserved population: Around 45 million people in the country don't have access to or have not used a bank account in the past six months.
Demographics: The median age in Brazil is 32, providing the country's fintechs with a large, youthful, and tech-savvy consumer base that's likely to be more receptive to digital financial solutions.
Smartphone and internet penetration: Three-quarters of Brazilians used smartphones in 2017, which is expected to tick up to 86% by 2025 — and both figures are the highest across the region.
High fees charged by incumbents: Brazil's four largest banks control almost 80% of the country's deposits, with similar concentrations in credit and assets.
Supportive regulation: Brazil's fintech-friendly regulatory agenda aims to stimulate competition in financial services.
Business Insider Intelligence dives into the wave of fintech activity taking place in Brazil in a new report, Latin America Fintech Snapshot: Brazil. The report examines the five trends mentioned above, as well as the country's notable fintech segments, six fintechs to watch within those segments, and opportunities and challenges to fintech growth in the region.
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