關於 financial intermediation ，我們在網路上蒐集到這些相關的討論、資訊與評價

MyFintech Week - Sasana Kijang, Central Bank of Malaysia ...17-21 June 2019

I will be speaking on how to achieve (or rather expedite) the fulfilment of value based intermediation (VBI) amongst Islamic financial institutions using smart technology (read: big data analytics and A.I.) next week on 19 June at 5pm.

I am excited to speak on this topic because i have been passionate about three verticals in my career thus far, namely Islamic finance, VBI and recently A.I. This topic resonates well with my interest. I have personal and special interest on each of them. The only problem is that I may be biased in my articulation.

Looking forward to meeting with you next week at MyFintech Week at Sasana Kijang. Be ready to be finteched.

"When Islamic finance, value based intermediation and fintech are combined...nothing is left unturned".

MDB

【The Rise of P2P Lending in SEA】
Fintech is a growing topic in Southeast Asia where roughly 73% of the region's population is unbanked. The stark under penetration of institutional financial services impedes the growth of innovation for both consumers and companies alike (specifically SMEs).

On the commercial side, SME businesses lack fluid access to much needed capital that would enable them to invest in R&D and market expansion. On the consumer side, the majority of citizens have cash stored somewhere, but lack the digital infrastructure to spend it efficiently.

Such friction has led to the explosion in fintech startups all across SEA, from mobile payments to remittances and P2P lending, an alternative financing model that could very well help plug the estimated US$175 billion SME financing gap in this region.

And just as Asia effectively leapfrogged the West in terms of embracing the mobile internet, so too do we see this region skipping traditional consumer financial products such as bank accounts and credit cards for more innovative, digitally powered solutions.

Furthermore, given the lack of historical information to assess credit worthiness or risk of default, we'll likely start to see companies and service providers explore the use of artificial intelligence and machine learning to reduce the cost of financial intermediation, eventually passing the value-add onto all stakeholders including investors, SMEs, and consumers.

If you're an aspiring AI / blockchain targeting Greater Southeast Asia (TW+SEA), be sure to apply to AppWorks Accelerator's next AI / blockchain only batch (AW#18) >>> http://bit.ly/2B6eoiR

-Jun Wakabayashi
Analyst, AppWorks