金融科技：解放或法律责任（英文版）.pdf
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www.juniperresearch.com
FINTECH ~ LIBERATION OR
LIABILITY
Whitepaper
1
FINTECH ~ LIBERATION OR LIABILITY
1.1 Market Introduction
1.1.1 What is Fintech?
Juniper defines fintech as the use of technology to underpin delivery of
financial services (bank accounts, payments, insurance products, financial
planning and trades). This research covers both B2C (business to
consumer) and B2B (business to business) application across the below
sectors:
Banking (current, business and savings accounts, overdrafts, loans)
Payments (payment processors, payment cards and billing)
Money transfers and remittance
Lending (underwriting loans and providing lending platforms)
Equity financing
Insurance (supporting underwriting and claims processing)
Wealth Management (helping individuals manage their money)
There are numerous factors driving the adoption of fintech products. In the
developing world, suppliers are looking at ways to provide services to
individuals who previously have never used financial services (often
referred to as ‘unbanked’).
As mobile phones penetrate rural areas suppliers are helping people
obtain credit and store their income.
Figure 1: Fintech Market Segmentation
Source: Juniper Research
Furthermore economic growth fuelled by a young and educated population
and a growing middle class overall has fuelled a desire to replicate
lifestyles in the developed world.
Rising income levels have driven demand for insurance and wealth
management products, plus lending levels are expected to rise rapidly
because lenders have more datapoints to evaluate as individuals
increasingly use cards and mobile payment platforms.
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