安永-2018年东盟金融科技报告（东南亚）（英文）-2019.1-48页_7mb

报告摘要

ASEAN FinTech Census 2018 Summary

Core Content

The EY ASEAN FinTech Census 2018 is a comprehensive report that explores the state of the FinTech industry across the Association of Southeast Asian Nations (ASEAN) region. It provides insights into the growth, investment, talent, regulation, and future outlook of FinTechs in ASEAN and highlights the opportunities and challenges they face. The report also compares the FinTech landscape in ASEAN with global trends and discusses the importance of collaboration, regulatory support, and digital transformation in shaping the future of financial services in the region.

Main Points

FinTech Growth in ASEAN

The ASEAN FinTech ecosystem is rapidly evolving due to factors like a young, urban, digitally-savvy population, increasing mobile and internet penetration, and underserved SME and consumer markets.
In 2017, investment in the ASEAN FinTech sector surged by 45% year-over-year to US$366 million.
The report surveyed 251 FinTech companies, with 170 from ASEAN and 81 from outside ASEAN, including those planning to enter the region.

Key Sub-sectors and Countries

Indonesia has the largest number of FinTechs (262) and the highest investment growth (3.7x Y-o-Y), with a focus on mobile payments and alternate lending.
Malaysia is emerging as a FinTech hub with 196 FinTechs, US$75M in 2017 investment, and a strong presence in payments and consumer finance.
Singapore is the FinTech hotspot with 490 FinTechs, US$141M in 2017 investment, and a diverse range of sub-sectors including wealth management, alternate lending, and payments.
Philippines has 115 FinTechs and is focused on payments, including remittances, with no regulatory sandbox.
Thailand and Vietnam have fewer FinTechs and limited investment, with Thailand having 128 FinTechs and Vietnam having 77 FinTechs.

Global FinTech Trends

Payments is the most mature sub-sector, with significant growth in developed and developing markets.
Regulatory sandboxes are being used in several countries to foster innovation, with Singapore, Indonesia, and Malaysia leading the way.
Collaboration between traditional financial institutions and FinTechs is becoming more common, with many banks setting up incubators, accelerators, and innovation labs.

Challenges and Opportunities

Talent shortage is a major issue, with 60% of FinTechs indicating a lack of required talent in their country. Technical and software talent is particularly scarce.
Investment is high, but funding accessibility remains a challenge. 68% of FinTechs have a runway of less than one year and are planning to raise funds soon.
Regulation is seen as a key enabler, with 58% of FinTechs requesting more regulatory support. Tax incentives and policy reforms are the top two areas of focus.
Digital infrastructure is improving, with 350.6 million internet users and 390.8 million mobile users in ASEAN by February 2018, leading to increased opportunities for FinTech innovation.

Future Outlook

64% of FinTechs plan to diversify into other services within the sector.
54% of FinTechs plan to exit in the next five years.
87% of FinTechs plan to expand beyond their home or current markets, with 61% aiming to grow revenue and 45% seeking funding in the next 12 months.
77% of FinTechs believe they can compete internationally, and 89% believe the public is open to adopting FinTech services.

Key Insights

Revenue Growth

42% of FinTechs had historical revenue growth over 30%.
65% of FinTechs expect a revenue CAGR over 30%.
52% use transaction-based revenue models, while 43% use flat fee per transaction.

Investment Trends

45% of FinTechs are self-funded.
60% expect the next round of funding to be over US$1 million.
23% of FinTechs anticipate an IPO in the future.

Talent Challenges

60% of FinTechs report a lack of local talent, with 58% citing insufficient tech & software talent.
89% of FinTechs believe the public is open to adopting FinTech services.
36% of FinTechs consider customer acquisition as a key concern.

Regulatory Support

58% of FinTechs want more regulatory support.
40% of FinTechs have a financial license.
Regulatory sandboxes are being used in Singapore, Indonesia, and Malaysia to support innovation.

Ecosystem Development

ASEAN Financial Innovation Network (AFIN) aims to support FinTech and financial institution integration, enhance financial inclusion, and leverage technology for economic growth.
Collaboration and policy support are critical for the continued growth of the FinTech sector.

Conclusion

The ASEAN FinTech Census 2018 provides a detailed snapshot of the FinTech landscape in the region, highlighting its potential as a growth engine for the global financial services industry. While there are challenges in talent, regulation, and funding accessibility, the region is well-positioned to benefit from digital transformation, policy support, and global investment. The report underscores the need for sustainable talent development, regulatory innovation, and collaboration between traditional financial institutions and FinTechs to realize the full potential of the sector.