2022年9月26日

9月,26/2022——07:28嵌入式金融是金融服务行业的下一个大事件,因为它无缝地集成到当地fintech景观近年来,专家说,上周五在胡志明工作会议上。金融机构的首席运营官金昌赖集团在亚洲和太平洋地区,国际金融公司(世界银行),在一年一度的嵌入式上周五在胡志明金融峰会。VNS照片Bồ宣Hiệp Bồ宣Hiệp HCM城市——嵌入式金融是金融服务行业的下一个大事件,因为它无缝地集成到当地fintech景观近年来,专家说,上周五在胡志明工作会议上。在嵌入式金融峰会,金昌Lai金融机构集团的首席运营官在亚洲和太平洋,国际金融公司(世界银行),表示,金融服务行业的未来将嵌入式融资。嵌入式金融在Việt南逐渐盛行,他说,添加它是现代商业的新常态,不管这个行业。嵌入式金融发生在非金融网站或应用程序,比如ride-hailing公司或零售商,整合金融服务,允许客户访问金融服务在任何时间,任何地方。一个例子是一个在线商店提供短期贷款的形式现在购买支付后(BNPL),或数字钱包手机,使即时非接触式支付。“但这只是一个开始,”他说。专家说嵌入式金融已经开始简化金融过程在消费者和企业商务通过减少进入壁垒对各种产品和服务。尤其是嵌入式支付将促进消费者和企业购买通过启用即时支付在触摸一个按钮。 Common examples of embedded finance include embedded lending and embedded insurance, among others. Nguyễn Viết Châu, chief innovation officer at MBBank, said as more companies and ecosystems embed financial services in their offerings, banks should take the opportunity to decide on the role they will play in this model. "For example, when payment technology is integrated within the infrastructure of an app or e-commerce site, buyers don’t have to enter their credit card details for every transaction. "By partnering with the Grab ride-hailing app, a bank can utilise embedded payments, so customers don’t need to pull out their credit card or scramble around for cash, instead paying automatically via the app upon completion of their journey," he said. In Việt Nam, local firms are making the most of the country’s adoption of technology and open attitude to innovation, leading to its high rate of technological cut-through. Recent data shows Việt Nam is one of the countries with the lowest credit card penetration in Southeast Asia, along with Indonesia and the Philippines, with only 4.1 per cent of the population owning a credit card. In addition, the credit gap and lack of knowledge about digital payments is a challenge in Việt Nam, resulting in the majority of transactions being carried out in cash. Experts said this had created a huge gap in the market that banks were simply unable to fill, creating room for development of embedded finance. Game changer Experts said embedded finance could be a game changer for non-financial companies. With embedded finances, customers would no longer need to stop by the bank to access their money. In some cases, embedded finance could eliminate the traditional bank. Businesses could also send money to family members abroad, pay vendors overseas, and purchase insurance and other services needed to run a business all without using a card. According to Makoto Tominaga, CEO of Credify, embedded finance occurs in the context of the big-data boom of which we are in the early stage. It is vital to take advantage of the data boom in the current financial context. "Data is like crude oil. It’s valuable, but if unrefined, it cannot be used, so data must be broken down and analysed for it to have value," he said. According to the Việt Nam Embedded Finance Markets Report 2022, Việt Nam’s embedded finance industry is expected to grow by 66.3 per cent on an annual basis to reach $336.4 million this year. Việt Nam has set a goal to transform itself into a digital country by 2030, with its digital transformation expected to fuel the embedded finance market in the coming years. According to Oracle’s estimates, the value of the embedded finance market is expected to exceed $7 trillion over the next decade, making it worth double the combined value of the world’s top 30 banks today. Organised by Credify and sponsored by Việt Nam Digital Communications Association, the annual summit attracted more than 300 experts in the financial, banking, insurance, e-commerce, retail, and healthcare industries. — VNS Tags