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Autor:innen: 
Erscheinungsjahr: 
2020
Schriftenreihe/Nr.: 
ADBI Working Paper Series No. 1165
Verlag: 
Asian Development Bank Institute (ADBI), Tokyo
Zusammenfassung: 
Financial innovation in the form of new delivery channels, products, and providers has helped push out the frontier of access to finance and thus increase the bankable and banked population. Mobile money and crowdfunding platforms are prime examples for this. The same financial innovation has also blurred the regulatory boundaries of the financial system, with nonbanks, including telecom companies and bigtechs such as Alibaba and Tencent, taking to offering financial services and increasingly moving into the financial intermediation business. This paper summarizes recent research on (i) financial inclusion, with a focus on developments in Asia; (ii) the extent to which advances in financial inclusion are driven by digitally driven financial innovation; and (iii) what the rise of fintech and bigtech implies for the structure of the financial system. It draws regulatory conclusions from this research but also points to future research avenues.
Schlagwörter: 
financial inclusion
financial innovation
fintech
bigtech
mobile money
big data
JEL: 
D14
G21
G23
G28
G41
G5
O16
Creative-Commons-Lizenz: 
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Dokumentart: 
Working Paper

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