Fintech revolution pamusuwo wePakistan

Iyo sirivheri yakauya nedenda rekoronavirus yaive danho rekukurumidza kuenda kudhijitari muzvikamu zvakasiyana zvehupfumi izvo zvaimbove zvichifamba nekamba. Kusanganisirwa kwemari kumaruwa kwakakosha kukurumidza kukurumidza kukura kwehupfumi uko nyika inoda kusimudzira, uye shanduko yeFintech iri kupa mikana yekuunza vazhinji veava vanhu vaimbove vasina kubhengi. mishumo Global Village Space.

Pakistan's fintech revolution: Inonzwika zvakanaka asi unonzwisisa zvazvinoreva here?

Muchidimbu, zvinoreva tekinoroji inotsigira kubhengi uye masevhisi emari. Ok, zvakanaka, ndiko kutanga! Asi chii chitsva paizvi – hatizive tese here kuti vanoudza vane macomputer avo vanobatirira patinenge tichiisa kana kutora mari kubhanga.

Pazvakareruka, zvinogona kunge zvaireva izvozvo, asi muchokwadi, iyo fintech yatiri kureva zvakanyanya inoreva tekinoroji yese inokubatsira kuita zvaunoda kubhangi kazhinji pasina rubatsiro rwemunhu. Saka zvinogona kuve nyore sekutarisa chiyero chako kana kuendesa mari yako mufoni app yako.

Zvinorevei kune vePakistani?

Huge Deal. Zvikamu makumi manomwe nezvinomwe kubva muzana zvenyika hazvisati zvave kubhengi uye hazvibatanidzwe mune zvemari nekuda kwezvikonzero zvakawanda, zvinosanganisira kuti mapazi emabhanga haakwanise kubata chikamu chose chenyika; pamapazi gumi pavakuru 10, kuvharwa kwebhangi kwePakistan hakuna kudzika kana zvichienzaniswa neavhareji ye100,000 muAsia.

Izvi zvinoreva kuti vanhu vazhinji havawani mari, uye zvese zvinouya nazvo zvinosanganisira, zvikwereti zvekurima, zvikwereti zvetirakita, zvikwereti zvemichina, zvikwereti zvemotokari, zvikwereti, inishuwarenzi yevarimi, uye budiriro yeSME inokanganiswa nekushaikwa kwekuwana. kune capital uye zvichingodaro.

Izvi zvinotadzisa vanhu kuita mabasa ehupfumi anogona kushandura hupenyu hwavo uye zvinotadzisa kukura kwehupfumi. Ongororo yakaitwa neAccess to Finance Survey inoti nyika ichiri kunyanya kushandisa mari.

Zvikamu makumi maviri nenhatu chete kubva muzana zvevanhu vakuru vemuPakistan vanogona kuwana rubatsiro rwemari, uye kunyange zvishoma, 23% chete yevakuru vePakistani vane akaundi yekubhangi. Chiitiko cheBlack Swan chinozivikanwa seCOVID-16 chakakurumidza kushandura nyika dzakaita sePakistan kuita dhijitari yezana ramakore remakumi maviri nerimwe muchikamu chezvemari.

Mabhangi akanga ari plodding pamwe uye kutaura pamusoro digitaalinen wallets, branchless banking vakasundirwa chiito pakarepo sezvo vaikurudzira vatengi kuti 'gara vakachengeteka uye kugara kumba' uye kushandisa internet banking mabasa avo; yakashanda sechinhu chinoshamisa chekugadzirisa digitization uye e-commerce.

Hurumende yePTI yakatanga chirongwa che "Digital Pakistan initiative" chinobata zvikamu zvese, kusanganisira zvekurima, hutano, dzidzo, kutengeserana, kutengeserana, mabasa ehurumende, uye mabasa emari.

Mari hombe yakashandiswa pasi pechirongwa cheEhsaas yakatumirwa sekubhadhara kwedhijitari, uye hurumende yakashandisa izvi (hurumende kumunhu kubhadhara (G2P)) semukana wekuti vanhu vaimbove vasina kubhengi kupinda mubazi rezvemari.

Kudhijita kwePakistan kwakakwirisa logarithmic, sezvo mhinduro dzedhijitari dzakava madikanwa, kunyanya panguva yekuvhara. Iyo State Bank yePakistan iri zvakare kutyaira kuburikidza nekukurumidza shanduko nekuwanikwa kwekubhadhara ipapo kuburikidza neRaast system yavo.

Fintech yakanganisa minda yakawanda seBhangi, Inishuwarenzi, Zvikwereti, Mari Yemunhu, Mari yeMagetsi, Zvikwereti, Venture Capital, uye Wealth Management, kutaura mashoma. Mazhinji ekutanga ekutanga akatanga mumunda uye akatora vatambi vakasimbiswa musoro-on, kazhinji kugadzira nharaunda yemakwikwi inobatsira vatengi.

Sekureva kweMarketScreener, chikamu chezvemari chepasi rose chinotarisirwa kunge chichikosha madhora mazana maviri nemakumi maviri neshanu muna 26.5, uye indasitiri yeFintech yakakosha chikamu chimwe muzana cheindasitiri.

Sekureva kwechidzidzo cheGoldman Sachs, zvakafungidzirwa kuti indasitiri yepasi rose yefintech inogona kupedzisira yakanganisa inosvika madhora mazana mana nemazana manomwe emadhora emari kubva kumabasa emari ezvidhinha-nedhaka. PwC inofungidzirwa muna 4.7 kuti inosvika makumi maviri nesere muzana yemabhangi nemasevhisi ekubhadhara angave ari panjodzi yekuvhiringwa nekuda kwemabhizinesi matsva anounzwa nefintech.

Fintech muPakistan

Sekureva kwePakistan Telecommunication Authority, vanhu vanosvika mamirioni zana vanoshandisa internet muPakistan, makumi mana neshanu muzana vanogona kuwana masevhisi ebroadband uye 101% yevagari vePakistan vane nharembozha dzinoita 46 miriyoni kunyoreswa kwenhare, kupinda kwakanyanya muhuwandu.

Pakistan inopa mikana mikuru yebhizinesi muchikamu chekubhadhara kumabhanga uye mamwe masangano efintech, anosanganisira ekutanga uye telcos, kutora mari pakupinda kwenharembozha munyika nekupa masevhisi emari kuburikidza nenharembozha, maapplication, uye masevhisi ewebhu.

Chikwama chemagetsi chaigona kushandiswa pakuchinjana kwakasiyana-siyana kwekubhadhara sekugamuchira mubhadharo unosanganisira mari dzekutumira, mihoro, uye kubhadhara mabhiri pamwe nepamusoro-foni. Sekureva kwaMcKinsey Consulting, mutengo wekupa vatengi maakaundi edhijitari unogona kuita 80-90 muzana yakaderera pane kushandisa matavi enyama.

Neobanks yakarova nyika makore akati wandei apfuura apo hofori dzenharembozha dzakaona kuti dzaigona kupinda muindastiri iyi nekupikisa mabhanga echinyakare. Neobanks ndiwo mabhangi akavakirwa painternet ari mabhangi chaiwo anoshanda pamhepo chete pasina echinyakare matinji ebazi uye chero mutengo wakasungirirwa neizvi.

Sekureva kwe2019 World Bank mushumo, Pakistan's Digital Financial Services ichaona boom inosvika mabhiriyoni makumi matatu nematanhatu emadhora, ichipa 36% kuGDP kana gedhi rekubhadhara rekutengesa renguva chaiyo rikaunzwa.

Parizvino, mabhengi asina bazi, kunyangwe nemakambani enharembozha, haana kuita kusvetuka kukuru; kubva munaKurume 2021, avhareji yemazuva ese ekutengeserana anoramba akatenderedza 6,604,143, uye huwandu hwese hwekutengesa mukati mekota hwaingova 594 miriyoni, nehukoshi hwekutengeserana kwakatenderedza Rs. 1.8 mabhiriyoni.

Ndiani achashumira asina kushumirwa?

Sekureva kwe2016 World Bank mushumo, 27.5 miriyoni yevakuru vekuPakistani vanoti chinhambwe kuenda kusangano rezvemari ndicho chipingamupinyi chikuru chekuwana masevhisi emari. Kuuya kwevanopa mabhanga vasina bazi mumusika kwakawedzera vanosvika zviuru zana nemakumi masere nevaviri vanoshanda kubva 180,000 kumapazi ebhangi aripo zviuru zana, asi izvi zvinongobatsira zvishoma nekushaikwa kwenzvimbo dzekubata mari kune veruzhinji.

Zvakare, chirevo cheKarandaz chinoratidza kuti mabhanga achiri kupa makumi masere muzana emasevhisi emari aripo achingoshanda 80 muzana yehuwandu. Zvichiwedzera, mumisika umo kushomeka kwevanopa masevhisi emari kuripo, tinoona vanotanga kupinda kuti vape ichi chinodiwa chekukurumidza, kwakanaka, kusina-frills kwakasungirirwa masevhisi ekubhadhara, kunyanya pakati pemabhizinesi madiki nepakati uye nevanhu vasina kubhengi.

Kubva pakaunzwa mirairo yeElectronic Money Institute (EMI) neSBP muna Kubvumbi 2019, akati wandei ePakistan-ekutanga aenda kuSBP kuti abvumidzwe - kusanganisira Finja, Nayapay, Sadapay, uye AFT- vese vari pamatanho akasiyana emvumo kubva pakuwana mutyairi mvumo kune-musimboti mvumo kubva kuSBP.

Mamwe mafintech ekutanga uye mamwe makambani ari kugadzirira kutora marezinesi eEMI kuvhura mukana wemasevhisi emari edhijitari. Iyo EMI rezinesi inongobvumira fintechs kupa vatengi account ine mazuva ese uye pamwedzi transaction miganho.

Ivo havabvumidzwe kuendesa chero zvigadzirwa zvekukweretesa kana kuchengetedza; makambani anoshuvira kuitawo izvo anofanirwa kusarudza kubhengi isina bazi kana kunyorera isiri-yebhangi mari institution (NBFI) kuSecurities and Exchange Commission ye [1]Pakistan (SECP).

Finja nguva pfupi yadarika yakava fintech yekutanga kuwana ese marezinesi ekutonga: rezinesi reEMI pasi peiyo SBP uye rezinesi rekukweretesa reNBFC (isiri-yebhengi kambani yemari) pasi peSECP. Haasi ese mafintech ari kutsvaga kukwikwidza nemabhangi.

Semuyenzaniso, Finja iri kuvaka kudyidzana nemabhanga nekushanda pamwe chete nawo nekugadzira zvinhu zvekukweretesa nekubhadhara kuti zvishandire chikamu chavangave vasina kunanga kare.

Nguva pfupi yadarika, HBL yakaisa mari inosvika madhora miriyoni gumi neshanu kuFinja, ichitaura kuti izvi zvaizoita kuti bhanga rive "kambani yehunyanzvi ine rezinesi rekubhanga". Bhanga rakaona kuti kudyara muFinja kwaizoshanda zviviri zvezvekutanga zvebhanga, zvinoti, kuita mari mukubatanidzwa kwemari yedhijitari uye mumakambani emari ekusimudzira anobatanidzwa mune zvekurima nemaSME.

Kubva Kubvumbi 2020, Finja yakawedzera dhijitari yekukweretesa ne550%, ichibvisa zvinopfuura zviuru makumi mashanu zvezvikwereti zvedhijitari kumabhizinesi madiki, madiki uye epakati. Hapana mubvunzo kuti SBP inoda kuona kuti makambani efintech anobatsira muchinangwa chayo chekuwedzera kubatanidzwa kwemari kuburikidza nehutsva uye kazhinji hutsva hwemadhijitari ekubhadhara masisitimu.

Mitemo ya2019 inopa hwaro hwakajeka hweEMIs vari kutsvaga kushandira veruzhinji uye inotaura hudiki hwesevhisi zviyero uye zvinodiwa kumakambani aya kuti ave nechokwadi chekuti masevhisi ekubhadhara anopiwa kuvatengi zvakasimba uye zvine mutengo uye nekupa hwaro hwekuchengetedza vatengi.

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