金融包容性
无银行存款
金融服务
金融科技
平滑消费
业务
移动支付
财务
包裹体(矿物)
投资(军事)
金融体系
经济
经济增长
付款
政治学
性别研究
政治
社会学
法学
失业
摘要
Financial inclusion, that is, access of excluded households and small firms to financial products and services, is seen as a way to promote more inclusive growth by providing the previously unbanked with access to means for savings, investment, consumption smoothing, and insurance. Financial technology (Fintech), that is, using software, applications, and digital platforms to deliver financial services to consumers and businesses through digital devices such as smartphones, has become recognized as a promising tool to promote financial inclusion. The present paper investigates the developments of financial inclusion and Fintech in the Association of Southeast Asian Nations (ASEAN) member countries and India to identify the ways that Fintech is contributing and can potentially contribute to increased financial inclusion. It also examines potential risks arising from use of Fintech, highlights differences in the strategies and implementation of financial inclusion and Fintech between India and ASEAN, and draws lessons and policy recommendations from these findings.
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