金融科技与普惠金融的需求侧挑战

Q4 Social Sciences

Enterprise Development and Microfinance Pub Date : 2018-03-01 DOI:10.3362/1755-1986.17-00016

S. Sinha, K. R. Pandey, N. Madan

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引用次数: 10

摘要

印度正在全面推动支付数字化。在2016年11月大额纸币停止货币化后，这种情况愈演愈烈。但是，低收入印度人（以及其他发展中国家的低收入人群）采用数字支付的准备程度和意愿如何？这个问题需要更多的思考，因为围绕手机渗透率、银行账户功能、价值链中数字支付的接受程度以及小额交易的可行性存在一系列问题。

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Fintech and the demand side challenge in financial inclusion

There is a push for digitizing payments across the board in India. This has picked up steam after the demonetization of large currency notes in November 2016. But how ready and willing are low-income Indians (as well as low-income people in other developing countries) to adopt digital payments? This question needs more thought as there is a range of issues around mobile phone penetration, bank account features, acceptance of digital payments across value chains, and the viability of small transactions.

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来源期刊

Enterprise Development and Microfinance Social Sciences-Development

CiteScore

0.60

自引率

0.00%

发文量

期刊介绍： EDM encourages critical thinking on how market systems can be more inclusive and sustainable, with concrete implications for designing, implementing, and evaluating business support programmes. EDM is essential reading for practitioners, researchers, donors, policymakers, and finance specialists engaged in market-related activities involving poor people in the global South. The coverage includes but is not restricted to: • Financial inclusion (inclusive financial services and products) • Emerging financing models (impact investment, responsible finance, social lending) • Value chain analysis and development • Inclusive business models • Equity (gender, youth, marginalized) in access to financial services and value chains • Political and regulatory framework for SME development and financial services • ICT for business development and financial services • Sustainability standards • Advisory services for SMEs • Impact assessment.