2019年全球金融科技采用指数（英文版）_43页_675kb

Summary of Global FinTech Adoption Index 2019

Core Content

The Global FinTech Adoption Index 2019 provides an in-depth analysis of the evolution and current state of FinTech adoption across global markets. It highlights how FinTech has moved beyond being a disruptive force to becoming a mainstream and integral part of the financial services industry. The report includes both consumer and SME (Small and Medium Enterprises) adoption trends, emphasizing the role of technology, innovation, and the changing expectations of users.

Main Findings

• FinTech has become mainstream, with 64% of global consumers now using FinTech services, up from 52% predicted in 2017.
• Global consumer adoption is now widespread, with 96% of consumers aware of at least one FinTech service for money transfer and payments.
• Money transfer and payments remain the most widely used FinTech category, with 75% of consumers using at least one service in this area.
• SME adoption is also on the rise, with a dedicated SME FinTech Adoption Index covering five markets and 1,000 organizations.
• Non-financial services companies are increasingly involved in the FinTech space, offering financial products and services.
• Trust and security concerns remain significant factors in consumer adoption decisions.
• Adopters are more open to sharing financial data with third parties, especially FinTech challengers and other financial institutions.
• Consumer priorities have shifted, with attractive rates and fees now being a more important factor than ease of account setup.

Key Themes

1. FinTech as a Mature and Global Industry

• FinTech is no longer just a disruptive force but a sophisticated competitor with global reach.
• Financial incumbents such as banks and insurers are now offering credible FinTech propositions, blurring the lines between traditional and digital financial services.
• FinTech ecosystems are replacing traditional bilateral partnerships, creating a more integrated and competitive financial landscape.

2. Consumer Adoption Trends

• 64% of global consumers use FinTech services, with the highest rates in emerging markets like China (95%) and India (87%).
• Money transfer and payments is the most used category, with peer-to-peer payments, non-bank money transfers, and in-store mobile payments being the most popular.
• Consumer awareness is high across all FinTech categories, especially in money transfer and payments, with 99.5% of consumers in India and Russia aware of such services.
• Security concerns persist, but adopters are still comfortable with digital financial services and online aggregators.
• Ease of onboarding has become a hygiene factor, with 30% of adopters and 35% of non-adopters relying on word-of-mouth for financial service recommendations.

3. Changing Consumer Priorities

• Attractive rates and fees have overtaken ease of account setup as the top reason for using FinTech.
• Chinese consumers are particularly open to FinTech services, with open APIs and platform-based services making onboarding seamless.
• Non-adopters are more likely to rely on relationship managers than adopters for advice, but 33% of adopters are willing to switch to alternative providers for new financial products.

4. The Role of Non-Financial Services Companies

• 68% of consumers are open to considering financial products from non-financial services companies.
• Retailers and telecom firms are the most preferred non-financial service providers for financial products.
• Adopters are more willing to share financial data with non-financial companies, especially in emerging markets.

5. Data Sharing and Personalization

• 46% of adopters are willing to share their bank data with other organizations in exchange for better offers.
• Adopters are more open to data sharing than non-adopters, but even they are cautious about sharing with non-financial services companies.
• Personalized, transparent, and frictionless services are key to attracting and retaining customers.

SME FinTech Adoption Trends

• SMEs are significant users of FinTech services, with a dedicated index analyzing their usage.
• 93% of SME adopters prefer technological solutions, and 89% are willing to share data with FinTech companies.
• FinTech challengers are integrating into SME-provider ecosystems, offering a range of services including banking, payments, and financing.
• The report highlights the growing importance of FinTech in SME operations, driven by the need for cost-effective, efficient, and innovative solutions.

Methodology

• The report is based on surveys of 27,000 consumers across 27 markets and 1,000 SMEs in five markets.
• FinTech is defined as organizations that combine innovative business models and technology to enable, enhance, or disrupt financial services.
• Adopters are defined as those who have used two or more service buckets, indicating a habitual shift in financial behavior.

Conclusion

The FinTech industry is now a central player in the financial services landscape, with consumer and SME adoption growing rapidly. The industry is globalizing, maturing, and evolving with the integration of non-financial services companies and the development of FinTech ecosystems. As innovation continues to accelerate, artificial intelligence, blockchain, and other technologies are expected to drive new services and further transform the industry.