技术不平等:移动金融服务的机遇与挑战

IRPN: Innovation & Finance (Topic) Pub Date : 2017-04-23 DOI:10.2139/SSRN.2957143

L. Perlman

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引用次数: 4

摘要

技术一直是普惠金融的关键和成功推动者。然而，即使每一次技术发展，一系列技术、成本、竞争、能力和获取方面的挑战仍然存在。CFI研究员Leon Perlman在《技术不平等:移动金融服务的机遇和挑战》一书中分析了移动金融服务(MFS)的现有和不断发展的技术、承载服务、接入平台和用户设备的优势、劣势和挑战。他在12个不同国家进行的实地研究发现，支持智能手机的MFS并不是普惠金融迫在眉睫的灵丹妙药。由于可靠、高质量的3G覆盖和足够强大的智能手机的缓慢传播，在可预见的未来，大多数MFS将在功能手机上使用非结构化补充服务数据(USSD)、SIM应用工具包(STK)和java小程序，而不是支持互联网的智能手机。

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Technology Inequality: Opportunities and Challenges for Mobile Financial Services

Technology has been a pivotal and successful enabler of financial inclusion. However, even with each technical evolution, sets of technical, cost, competition, capacity and access challenges persist. CFI Fellow Leon Perlman looks at the advantages, disadvantages and challenges that fasten on the existing and evolving technologies, bearer services, access platforms and user devices for mobile financial services (MFS) in Technology Inequality: Opportunities and Challenges for Mobile Financial Services. His on-the-ground research conducted in 12 different countries finds that smartphone-enabled MFS is not an impending panacea for financial inclusion. Due to the slow spread of reliable, high-quality 3G coverage and sufficiently capable smartphones, the majority of MFS will be accessed on feature phones, using Unstructured Supplementary Service Data (USSD), SIM Application Toolkit (STK) and java-applets, rather than internet-enabled smartphones, for the forseeable future.

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IRPN: Innovation & Finance (Topic)

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