普惠金融的下一个前沿_超越使用权限（英文版）.pdfVIP

用户上传 更多请查看研报客 September 2018 The Next Frontier in Financial Inclusion: Moving Beyond Access to Usage 用户上传 更多请查看研报客 Introduction Organizations around the world, including Mastercard, share the common challenge of better serving our constituents. By doing so, whether these constituents are consumers or customers, we advance our respective goals. For Mastercard, that means developing products that are actively used by “The needs of the underserved go the more than 1.7 billion adults without access to a bank or mobile account.1 way beyond just access to electronic When the unbanked are served commercially at scale, we and our government payments...to make a real difference and corporate partners not only do well and do good for the individuals we serve, in their lives, we have to drive toward but for the local economy as well. usage...if you create a route to prosperity, that is where we Putting consumers and their needs front and center is essential for driving feel we’re on the right track.”2 commercially viable financial inclusion. However, success requires not only Michael Miebach appropriately designed products, but education and acceptance infrastructure Chief Product Officer, Mastercard that enables the consumer’s journey to financial health. We have learned that the adage “