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動画の字幕をクリックしてすぐ単語の意味を調べられます!
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If you've ever paid for something with your phone, transferred money using an app
or checked your bank statement   online,
then you're already part of a multi-billion dollar industry.
It's called fintech, and it's changing economies around the world.
Fintech is short for financial technology - seems simple, right?
Well, the term fintech includes a huge range of products, technologies, and business models
that are changing the financial services industry.
It refers to everything from cashless payments,
to crowdfunding platforms, to robo-advisors, to virtual currencies.
So every time you donate to someone's Kickstarter campaign - that's fintech.
Or if you transfer money to someone using Venmo - that's also fintech.
And that's just the beginning.
Here at a major fintech conference in Amsterdam,
hundreds of companies are trying to disrupt the banking and finance industries
by changing the way we pay and borrow money.
And investors are buying it.
Global investment in the fintech sector has added up to nearly $100 billion since 2010.
In 2017 alone, fintech investment surged 18%.
Startups focusing on payment and lending technologies
received the majority of those funds.
It's not just startups that are getting into fintech.
Some of the world's biggest companies from Apple to Alibaba are going big on it, too.
Just think of Apple Pay or Alipay.
One reason for all of this investment?
Consumers are adopting fintech - fast.
One out of every three people across 20 major economies
report using at least two fintech services in the last six months
China and India are leading the way with more than half of consumers
using services like money transfers, financial planning, borrowing and insurance.
Financial technology has filled a void for people around the world
who don't have access to traditional banking services.
In fact, it's estimated nearly two billion people worldwide are without bank accounts.
Now, thanks to fintech, all you need is your phone to take out a loan or insurance.
Take Kenya, which pioneered a mobile banking system called M-Pesa.
Kenyans access their M-Pesa accounts directly on their mobile phones
to transfer money, pay bills or take out loans.
Today, an estimated 96% of households in Kenya use M-Pesa
and one study found it has helped lift roughly 2% of Kenyan households out of extreme poverty.
The rise of fintech has forced traditional lenders, insurers and asset managers
to embrace new digital technologies.
For example, wealth managers now have to compete with robo-advisors -
which are automated financial planning services.
I mean talk about rise of the robots, right?
Thanks to high-tech algorithms, these services are available 24/7
and can be more affordable than traditional asset managers.
That helps explain why robo-advisors already have billions of dollars under management.
Like any growing industry, fintech isn't without risks.
And some regulators have struggled to keep up with the fast pace of innovation.
Think of peer-to-peer lending platforms -
where individuals borrow and lend without going through a bank.
Compared to traditional banks, these services might not be required to
set aside as much money in case customers default on their loans.
This can be risky for companies and consumers.
Data privacy is another major concern.
As more financial services go digital, cyber attacks become a bigger risk.
The challenges facing financial technology are likely to grow
as more businesses go digital.
But for many of the companies and consumers here - fintech is more than a buzzword.
It's a big business opportunity.
Hey everyone, Elizabeth here. Thanks so much for tuning in.
Be sure to check out more of our videos over here
including one about blockchain and another where I talk to a company that's going cashless.
Let us know if you have any other ideas for videos in the comments section
and while you're there, subscribe to our channel.
See you later!
コツ:単語をクリックしてすぐ意味を調べられます!

読み込み中…

読み込み中…

フィンテックとは? (What is fintech? | CNBC Explains)

5447 タグ追加 保存
Sally Hsu 2018 年 8 月 18 日 に公開   Mika 翻訳   Yukiko チェック
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読み込み中…
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  1. UrbanDictionary 俚語字典整合查詢。一般字典查詢不到你滿意的解譯,不妨使用「俚語字典」,或許會讓你有滿意的答案喔