2022年11月24日

Airwallex称，鉴于经济的不确定性，中小企业正在加速向数字/金融科技平台转移。这家澳大利亚金融科技提供商调查了1500多家英国和美国中小企业，发现近一半(48%)的美国公司“正在更加积极地转向数字/金融科技平台，远离传统的银行服务”。其余52%的美国中小企业以及33%的英国企业已经转向以数字为中心的平台，41%的英国中小企业和27%的美国中小企业打算在未来两年内实现这一转变。Airwallex的研究发布之际，全球经济正面临越来越大的陷入衰退的风险，英国等主要国家的通货膨胀率继续飙升，最近升至11.1%，为1981年以来的最高水平。毫无疑问，这将对中小企业产生不利影响，因为它们往往不具备抵御财务崩溃的财务能力。Airwallex透露，中小企业正依靠技术来避免当前经济环境带来的不必要成本。91%的美国中小企业和85%的英国中小企业会考虑采用数字/金融科技解决方案，而不是传统的银行服务。向金融科技的转变也支撑着许多中小企业的海外扩张雄心。虽然许多英国(68%)和美国(82%)的中小企业看到了扩大或扩张到新市场的机会，尽管预计未来市场将放缓，但近一半的美国(46%)和英国(42%)中小企业决策者认为他们没有足够灵活的金融基础设施来支持这种扩张。事实上，78%的美国受访者和65%的英国受访者表示，他们需要金融科技平台的灵活性，以负责任地管理跨境增长。 The appetite amongst SMEs for fintech adoption is reflected by their ambitions for growth in 2023, with the majority of SMEs in the US (82%) and UK (71%) planning to expand into, or further into, international markets next year. Pranav Sood, GM, EMEA at Airwallex, commented: “As domestic economies struggle or shrink, SMEs are looking overseas for growth potential. But this is easier said than done. “Many SMEs may have solid roots in their home market but lack the infrastructure, licences, and expertise to enable sustainable cross-border growth. “Fast and agile scalability is the holy grail for SMEs turning their attention to new markets, and our research shows they recognise the role fintech solutions – rather than traditional banking – can play in helping them to achieve their growth ambitions. “Ultimately, fintechs are playing – and will continue to play – a critical role in businesses’ growth into new markets. Providing easy ways to connect payment and money movement solutions across different geographic regions will not only support SMEs as they hunt for growth opportunities in new markets next year, but also set them up for success as they continue to expand their global footprint in future.” TAGS