THE FUTURE OF DIGITAL FINANCE IN SOUTHEAST ASIA: A Legal Perspective
The delivery of traditional financial services using digital devices such as computers, tablets, and smartphones is known as digital finance. Digital finance can bring financial services to underserved populations in locations with a lack of physical infrastructure. Digital Financial Services (DFS) is a new, low cost way to get transactional financial services over the internet. DFS is one of the most important strategies for promoting financial inclusion and providing much needed low cost access to financial services in enderdeveloped countries.
Informasi Tambahan
Berat | 250 gram |
---|---|
Pengarang | Emilia Fitriana Dewi, Subiakto Sukarno |
Halaman | 178 hlm |
Ukuran | 15 x 23 cm |
Berat Buku (gram) | 250 |
Cetakan | 1 |
ISBN | 978-602-383-190-6 |
Jenis Cover | Art Carton |
Jilid | Perfect Bending |
Kertas Isi | Book Paper |
Tahun Terbit | September 2023 |
DAFTAR ISI
Foreword v
Table of Contents vii
INTRODUCTION 1
HISTORY OF DIGITAL FINAN CE 3
The Digital Footprints of the Past for the Modern Financial Era. 6
The Present Situation…. 7
The Long Run…. 8
DIGITAL FINAN CIAL INCLUSION ……..9
Digital Financial Literacy….11
Digital Financial Services…11
Digital Financial Services (DFS) Benefits….12
The Importance of Digital Finance Transformation……12
Digital Finance in the Future…..13
DIGITAL FINAN CE ECOSYSTEM 15
What is the Ecosystem of the Digital Finance System?……16
Digital Financial Services’ Purpose16
The Components of the Digital Financial Ecosystem…18
Digital Financial Services…21
The DFS Ecosystem’s Evolution…..22
Ecosystem Problems and Challenges..25
DIGITAL FINANCE IN ASIA 29
Digital Finance Has Yet to Offer Value to Poor Households and Small Companies31
Asia’s Digital Finance Potential Is Not Fully Realized….32
Rising Cellphone Adoption Rates Can Help Digital Finance……33
FINAN CIAL INCLUSION IN SOUTHEAST ASIA 35
The Present State of Things and The Financial Opportunity…..37
Southeast Asia’s Big Opportunity…39
Digital Payments and Remittances Have Reached a Tipping Point42
A Highly Fragmented and Diverse Landscape..44
The Customer-Gatekeeper Relationship Is the Ultimate Battleground
for Everyone…..44
On The Banked, Established Players Maintain a Stronghold…..45
The True Growth Engine is the Underbanked…45
There Is No Cure-All for the Unbanked.45
The SME Merchant Opportunity is Ripe for the Picking46
Banks Will Remain Relevant If Their Balance Sheets are Strong…..46
Regulations That Support Maximum Potential are Essential….46
Convenience, Access, and Value for Consumers….47
CHALLENGES FACING DIGITAL FINAN CE IN ASIA 51
Fintech Redefines a Specific Sector Which Exists at the Intersection
of Financial Services and Technology..56
Asian Economies Have Risen to Prominence as Worldwide Leaders
in Financial Innovation.56
The Application of Mobile Internet Access to Payment Services is the
Most Innovation-Active Area in Asia…..57
Implications and Difficulties…..58
Four Critical Policy Issues..59
Southeast Asian SMES are Being Left Behind by the Digital Revolution……62
SMEs in Southeast Asia are Underperforming.63
SMEs and Fintech..63
LEGAL CHALLENGES FACING DIGITAL FINANCE IN SOUTHEAST ASIA 65
± LAOS 66
Laos’s Digital Framework…66
Regulatory Enhancements are Still Required….67
Prospects for the Future….68
The UNCDF Effort..68
Ecosystem of Digital Financial Services…..69
PHB-facilitated Workshops During the Period..70
Facts about Financial Literacy in Lao PDR.71
TABLE OF CONTENTS ix
Fintech Development in the Lao People’s Democratic Republic……71
Lao People’s Democratic Republic’s Internet Infrastructure……72
Legal Landscape for Fintech….72
±± BRUNEI 74
±± Timor-Leste 77
±± MYANMAR 80
±± CAMBODIA 82
Legal Environment and Sustainability..84
±± INDONESIA 86
COVID-19 Outbreak Has Played a Vital Role in Indonesia’s Economy…87
Legal Challenges…88
Mobile Device Threat…91
±± MALAYSIA 94
Fraud, Online Gambling, Money Laundering and Illegal Crypto Trading96
±± SINGAPORE 101
Data Security.103
Inadequate Mobile and Technological Knowledge……104
Technological Problems…104
Difficulty in Integration of Bio Data and Artificial Intelligence..105
Blockchain Integration Problems.105
User Retention and Experience…..106
Individualized Services…..106
Sophisticated Cyber Threats..107
Adherence to Government Rules..107
±± THAILAND 109
Legal Challenges Facing Digital Finance..110
±± PHILIPPINES 117
The Philippine Central Bank Has Issued Guidelines for the Establishment of Digital Banks…..118
Major Digital Challenges in Philippine Financial Industry..120
Digital Transactions Expected to Grow in Philippines Despite Challenges…..122
±± VIETNAM 125
COVID-19 Outbreak….126
Blockchain……127
Internet Banking…127
Challenges in Technology128
Security Concerns……128
Complex Transactions are Inefficient.128
Lack of Interpersonal relationship129
Deposits are Inconvenient……129
Online Gaming……129
Insecurity of Personal Data….130
REGULA TORY FRAMEWORK OF LEGAL CHALLENGES ON DIGITAL FINAN CE WITHIN SOUTHEAST ASIA 133
±± REGULATORY FRAMEWORK OF LEGAL CHALLENGES ON DIGITAL FINANCE WITHIN SOUTHEAST ASIA 134
A Short History…………135
Current Situation..136
Overview of These Countries.136
±± Prospect for the Future 159
Closing the Gap….159
REFERENCES 161
AUTHOR PROFILE 167
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