Alesi Fintech ƒe Ðekawɔwɔ le Asitsatsa ƒe Dzidzedzekpɔkpɔ Gbugbɔ Gblɔm le Anyieheɣedzeƒe Asia

Anyieheɣedzeƒe Asia Fintech Tɔtrɔ: Egbegbe Asitsatsa ƒe Ðoɖowɔɖi

Anyieheɣedzeƒe Asia va zu xexeame katã ƒe nudokpɔƒe na ganyawo ŋuti mɔ̃ɖaŋununya ƒe nu yeyewo dodo ɖe ŋgɔ. Esi internet zãla siwo wu miliɔn 400 eye ganyawo le dijitaal dzi kabakaba ta la, nutoa ti kpo tso gadzraɖoƒe ƒe xɔtuɖoɖo xoxowo dzi be woawɔ fintech ecosystem si le asitsadɔwo ƒe sewo gbugbɔ ŋlɔm. Xexlẽmeawo gblɔ ŋutinyaa: wobu akɔnta be dijitaal fexexe le Anyieheɣedzeƒe Asia aɖo dɔlar triliɔn 1.2 le ƒe 2025 me, eye wòadzi ɖe edzi le 15% si wɔ nuku ŋutɔ ƒe sia ƒe. Nusi na tɔtrɔ sia nye nufiame na asitsahabɔbɔwo koŋ enye alesi wotsɔ fintech bla gbesiagbedɔwoe bɔbɔe—tso ablɔdzinudzrala siwo xɔa QR-kɔde ƒe fexexe dzi va ɖo dukɔ geɖe me dɔwɔƒe siwo kpɔa fetu dzi le ga vovovowo me dzi. Nutoa ƒe asitelefon ƒe gege ɖe eme ŋutɔ, sewo ƒe ʋuʋu, kple ganyawo ƒe nɔnɔme vovovowo ƒe ƒuƒoƒo tɔxɛa na be dodokpɔƒe deblibo aɖe va le nusiwo wɔa dɔ (kple esiwo mewɔa dɔ o) ŋu ne wotsɔ ganyawo ƒe mɔ̃ɖaŋununya de asitsatsa ƒe mɔnuwo me.

Nusita Anyieheɣedzeƒe Asia Va Zu Fintech ƒe Ðekawɔwɔ ƒe Teƒe Gbãtɔ

Nutoa ƒe fintech ƒe wowó menye le vo me o. Nu geɖe siwo le xɔtuɖoɖo me na nɔnɔme nyuiwo va li be woaxɔ wo kabakaba. Gbã la, ameha siwo "mede gadzraɖoƒe o"—ame tsitsi siwo ade miliɔn 290 le Anyieheɣedzeƒe Asia katã—na ganyawo ŋuti dɔwɔna bubuwo didi vevie. Gadzraɖoƒewo ƒe gege ɖe eme deŋgɔ le 47% le nutoa me, ne wotsɔe sɔ kple 90% kple edzivɔ le asi deŋgɔwo me. Dodokpɔ sia nye kuxi kple mɔnukpɔkpɔ siaa si fintech mɔ̃wo kpɔ egbɔ vevie.

Asitelefon-Gbã ƒe Sedede

Anyieheɣedzeƒe Asia do kpo kɔmpiuta zazã le kɔmpiuta dzi ƒe ɣeyiɣia keŋkeŋ kloe. Esi smartphone ƒe gege ɖe eme wu 75% le dukɔwo abe Malaysia kple Thailand ene me ta la, ele be asitsalawo natu xɔ na asitelefon tso ŋkeke gbãtɔ dzi. Esia zi fintech ƒe ƒoƒo ɖekae dzi be woanɔ bɔbɔe, woate ŋu ase egɔme, eye woate ŋu awɔ dɔ le mɔ̃ siwo le vevie vie siwo me kadodo le ɣeaɖewoɣi dzi—nudidi siwo na wokpɔ egbɔkpɔnu sesẽwo wu mlɔeba.

Sedede ƒe Sandboxwo kple Dziɖuɖu ƒe Kpekpeɖeŋu

Dziɖuɖu siwo le nutoa me godoo de dzesi fintech ƒe ŋutete le ganyawo ƒe gomekpɔkpɔ le eme kple ganyawo ƒe ŋgɔyiyi me. Singapore ƒe Ganyawo Gbɔkpɔha wɔ xexeame ƒe sedede ƒe sandbox gbãtɔwo dometɔ ɖeka le ƒe 2016 me, si na be fintech gɔmedzedzewo te ŋu do nu yeyewo kpɔ le nɔnɔme si dzi wokpɔ ŋusẽ ɖo me. Nuwɔna mawo tɔgbe siwo wowɔ le Indonesia, Thailand, kple Vietnam na ŋgɔyiyi kabakaba esime wolé nuƒlelawo takpɔkpɔ me ɖe asi.

Nusɔsrɔ̃ Vevi Atɔ̃ Tso Ðekawɔwɔ Dzidzedzekpɔkpɔ Me

Ne míeku nu me tso fintech ƒe ɖekawɔwɔ alafa geɖe ŋu le Anyieheɣedzeƒe Asia katã vɔ la, nɔnɔme geɖewo dona siwo ateŋu afia mɔ asitsalawo le xexeame katã.

ƒe nyawo
• Tsɔ Nutoa Me alo Tsrɔ̃: Grab ƒe dzidzedzekpɔkpɔ le Anyieheɣedzeƒe Asia katã ɖee fia be mɔnu siwo sɔ na amewo katã doa kpo nu. Woƒe fexexe ƒe ɖoɖoa ƒoa nutoa me mɔnu vovovowo nu ƒu ɖekae le dukɔ ɖesiaɖe me—DANA le Indonesia, OVO le teƒe bubuwo—esi wokpɔe dze sii be fexexe ƒe didiwo nye dekɔnuwo ŋutɔ.
• Build for Scale, Deploy Incrementally: Gojek dze egɔme kple dzokeke dodo kple nuɖuɖu tsɔtsɔ yi na amewo hafi keke ta ɖe ganyawo ŋu. Woƒe mɔnu vivivi la na wote ŋu do ƒoƒo ɖekae kple zãla ƒe akpa suewo kpɔ hafi woɖe wo ɖe go na woƒe zãla ƒe hatsotso bliboa si me zãla siwo wu miliɔn 38 le dɔ wɔm ɣleti sia ɣleti.
• Ðo Nuwɔwɔ Ðekae ƒe Nu Gbãtɔ: Mɔ̃ siwo kpɔ dzidzedze wu la kpɔa egbɔ be yewoƒe fintech modules wɔa dɔ nyuie kple ɖoɖo siwo li xoxo. Bank Central Asia ƒe ɖekawɔwɔ kple e-asitsatsa ƒe mɔnu vovovowo ɖe alesi API siwo le ʋuʋu ɖi naa asixɔxɔ geɖe wu lãwo ƒe agbenɔnɔ ƒe ɖoɖo siwo wotu.
• Dedienɔnɔ Mate Ŋu Anye Nusi Woabu Le Eme O: Esi dijitaal asitsatsa le dzidzim ɖe edzi la, ametafatafa ƒe agbagbadzedzewo va le dzidzim ɖe edzi. Mɔ̃ siwo tu dedienɔnɔ ɖe woƒe fintech ƒe ƒoƒo ɖekae me tso gɔmedzedzea me ke—abe Singapore ƒe ShopBack kple eƒe kpeɖodzinya si le ƒuƒoƒo geɖe me ene—lé zãlawo ƒe kakaɖedzi me ɖe asi le dzidziɖedzi kabakaba me.
• Ganyawo Ŋuti Nunya Hea Vixɔxɔnyi: Dɔwɔƒe siwo fia nu ezãlawo tso gaŋutiɖoɖo yeyewo ŋu la kpɔe be woxɔ wo kabakaba wu. Sea Limited ƒe Shopee naa nufiame bɔbɔewo le woƒe fexexe kple gazazã ƒe tiatia siwo wowɔ ɖekae zazã ŋu, esi wokpɔe dze sii be mɔ̃ɖaŋununya ɖeɖe mesɔ gbɔ o.

Fintech ƒe Ðekawɔwɔ Nyui ƒe Xɔtuɖoɖowo

Nuwɔwɔ ɖekae dzidzedzetɔe ma xɔtuɖaŋu ƒe gɔmeɖose ɖeka siwo da sɔ le asitɔtrɔ le nɔnɔmewo ŋu kple kakaɖedzi ŋu. Zi geɖe la, gɔmeɖoanyia lɔa akpa vevi etɔ̃ ɖe eme.

API-Gbãtɔ ƒe Dɔwɔƒe

Anyieheɣedzeƒe Asia kplɔlawo wɔa woƒe ɖoɖowo ƒo xlã API kadodo tso gɔmedzedzea me ke. Mɔnu sia nana asitsahabɔbɔwo te ŋu doa ka kple fexexe ƒe agbowo, gadzraɖoƒewo, kple ganyawo ŋuti nyatakakawo tsoƒewo evɔ womagbugbɔ woƒe mɔ̃ bliboa atu o. API nyuitɔwo zɔna ɖe RESTful gɔmeɖosewo dzi, wonaa nuŋlɔɖi blibo, eye wotsɔa sandbox nɔnɔmewo dea eme hena dodokpɔ.

Modular Ganyawo Gbɔkpɔha

Le esi teƒe be woawɔ ganyawo ƒe ɖoɖo ɖeka la, mɔ̃ siwo kpɔ dzidzedze la wɔa modules siwo le wo ɖokui si siwo woate ŋu aƒo ƒu ne ehiã. Asitsaha aɖe ate ŋu adze egɔme kple fexexe ŋuti dɔwɔwɔ veviwo, emegbe atsɔ fexexe ƒe ɖoɖowo akpe ɖe eŋu, eye woatsɔ fetu ƒe xexlẽdzesiwo akplɔe ɖo—modula ɖesiaɖe wɔa dɔ le eɖokui si gake wowɔa ɖeka to ɖoɖo ɖeka dzi. Esia sɔ kple Mewayz ƒe mɔnu si nye modular business OS ƒe akpa 207 siwo woateŋu awɔ dɔ ne nudidiwo le tɔtrɔm.

Ɣeyiɣi Ŋutɔŋutɔ ƒe Nyatakakawo ƒe Ðekawɔwɔ

Le asi siwo le ŋgɔ yim kabakaba me la, ganyawo ŋuti nyatakakawo doa xoxo kabakaba. Mɔ̃ siwo wɔa asitsatsa ŋuti nyatakakawo, gakɔnta ƒe ga si susɔ, kple ga ƒe xexlẽdzesiwo ɖekae le ɣeyiɣi ŋutɔŋutɔ me—abe Indonesia ƒe Traveloka na yameʋuɖoɖo ƒe fexexe ene—naa asixɔxɔ geɖe ŋutɔ wu esiwo ƒe asitɔtrɔ siwo tsi megbe.

ƒe nyawo "Fintech ƒe ƒoƒo ɖekae siwo kpɔ dzidzedze wu la menye nɔnɔmewo tsɔtsɔ kpee o—woku ɖe masɔmasɔ ɖeɖeɖa ŋu. Anyieheɣedzeƒe Asia nuƒlelawo medi be yewoabu fexexe ŋu o; wodi be asitsatsa la nabu ɖe yewoƒe nuteƒekpɔkpɔa ƒe megbe." - Vivian Chu, Fintech ƒe Aɖaŋuɖola na ASEAN Dziɖuɖuwo

Afɔɖeɖe ɖesiaɖe ƒe ɖoɖo si woatsɔ awɔ Fintech ƒe Ðekawɔwɔ

Le nɔnɔme siwo wokpɔ le Anyieheɣedzeƒe Asia katã nu la, mɔnu nyui aɖe si dzi nàto atsɔ fintech ade wò asitsamɔnu me enye si.

ƒe nyawo
1. Dzro Wò Ganyawo ƒe Sisi Veviwo Me: Wɔ gaŋutiɖoɖo ɖesiaɖe ƒe nɔnɔmetata le wò asisiwo ƒe mɔzɔzɔ me—tso nuƒle gbãtɔ dzi va ɖo fexexe enuenu, gagbugbɔɖoɖo, kple avuléle dzi. De dzesi afisiwo ʋuʋudedi le fifia.
2. Tsɔe ɖo nɔƒe gbãtɔ to Ŋusẽkpɔɖeamedzi kple alesi wòate ŋu adzɔe nu: Menye ɖe wòhiã be ɖekawɔwɔwo katã nadzɔ le ɣeyiɣi ɖeka me o. Lé fɔ ɖe tɔtrɔ siwo ana asisiwo ƒe nuteƒekpɔkpɔ ƒe ŋgɔyiyi gãtɔ kekeake kple mɔ̃ɖaŋununya ƒe kuxi sesẽ si dzi woate ŋu aɖu la ŋu.
3. Tia Dɔwɔhati Nyuiwo: Tia fintech dɔwɔƒe siwo si nuŋlɔɖi siwo ŋu kpeɖodzi le le wò asi siwo nèɖo taɖodzinu na me. Le Anyieheɣedzeƒe Asia la, esia ateŋu afia be woawɔ dɔ kple nutoa me eŋutinunyalawo abe 2C2P ene hena fexexe tsɔ wu xexeame katã ƒe dɔwɔƒe gã siwo si nutomeŋutinunyalawo mele o.
4. Dɔwɔwɔ le Akpawo me: Ðe ƒoƒo ɖekaewo ɖe go ɖe zãla ƒe akpa sue aɖe me gbã. Lé ŋku ɖe dɔwɔwɔ ƒe xexlẽdzesiwo ŋu nyuie—asitsatsa ƒe dzidzedzekpɔkpɔ ƒe agbɔsɔsɔme, dɔwɔwɔ ƒe ɣeyiɣiwo, asisiwo ƒe kpekpeɖeŋubiabia—hafi nàkekee ɖe enu.
5. Tu ŋkuléleɖenuŋu bliboe: Ðo ɣeyiɣi ŋutɔŋutɔ ƒe dashboard siwo léa ŋku ɖe asitsatsa ƒe dzidzedzekpɔkpɔ ƒe agbɔsɔsɔme, ametafatafa ƒe agbagbadzedzewo, API ƒe ŋuɖoɖo ɣeyiɣiwo, kple zãla ƒe dzidzeme ƒe xexlẽdzesiwo ŋu.
6. Iterate Based on Data: Zã numekukuwo nàtsɔ ade dzesi vevesese ƒe teƒewo kple mɔnukpɔkpɔ siwo li be nàwɔ ŋgɔyiyi. Mɔ̃ siwo kpɔ dzidzedze wu A/B doa ƒoƒo ɖekae ƒe mɔnu vovovowo kpɔna kple zãla ƒe akpa suewo.

Ðekawɔwɔ ƒe Kuxi siwo bɔ dzi ɖuɖu

Ne wowɔ ɖoɖo nyuie gɔ̃ hã la, asitsalawo doa go mɔxenu gãwo ne wole fintech ƒe ŋutetewo ƒom ƒu ɖekae.

Sedziwɔwɔ le Liƒowo Dzi

Anyieheɣedzeƒe Asia ƒe sedede vovovoawo nye kuxi tɔxɛwo. Ðewohĩ fexexe ƒe kuxia gbɔ kpɔnu si le se nu le Singapore mawɔ ɖe Indonesiatɔwo ƒe ganyawo ŋuti sewo dzi o. Mɔ̃ siwo kpɔ dzidzedze kpɔa esia gbɔ to sedziwɔwɔ ŋuti ɖaseɖiɖiwo tutu ɖe woƒe ƒoƒo ɖekae ƒe ƒuƒoƒowo me kple ƒomedodo me léle ɖe asi kple nutoa me sedzikpɔlawo le asi ɖesiaɖe me.

Mɔ̃ɖaŋununya ƒe Fenyinyi kple Domenyinu ƒe Ðoɖowo

Asitsaha geɖe siwo woɖo anyi la le avu wɔm kple ɖoɖo siwo do xoxo siwo womewɔ na egbegbe fintech ƒe ƒoƒo ɖekae o. Zi geɖe la, egbɔkpɔnua bia be woawɔ abstraction layers siwo ana ganyawo ƒe modules yeyewo nawɔ ɖeka kple domenyinu ƒe ɖoɖowo esime wole xɔtuɖoɖo veviwo wɔm vivivi.

Zãla ƒe Hehenasuku kple Tɔtrɔwo Dzikpɔkpɔ

Gazazã ƒe dɔwɔnu yeyewo dodo ɖe ŋgɔ bia tɔtrɔwo dzi kpɔkpɔ nyuie. Zi geɖe la, Anyieheɣedzeƒe Asia ƒe mɔ̃wo ƒoa nufiame siwo le dɔwɔnua me, asisiwo ƒe kpekpeɖeŋunana hehenana, kple dzideƒonameɖoɖowo nu ƒu tsɔ ʋua ganyawo ƒe nɔnɔme yeyewo zazã.

Etsɔme: Afisi Fintech ƒe Ðekawɔwɔ ɖo ta

Anyieheɣedzeƒe Asia ƒe mɔzɔzɔ ɖee fia be nɔnɔme geɖe siwo le dodom siwo atrɔ asi le asitsatsa ƒe mɔnuwo ŋu le xexeame katã. Ga si wotsɔ de eme—afisi ganyawo ŋuti dɔwɔnawo buna keŋkeŋ le ezãlawo ƒe nuteƒekpɔkpɔwo me—va le nusi bɔ tsɔ wu be wòanye nusi to vovo. Míele ga gbogbo siwo "woateŋu awɔ" ƒe dzidziɖedzi hã kpɔm, afisi asitsalawo ƒoa woƒe fintech modules ƒe ƒuƒoƒo nyuitɔ nu ƒu tso dɔwɔƒe vovovowo gbɔ tsɔ wu be woaɖo ŋu ɖe egbɔkpɔnu ɖeka ko ŋu.

Nunya wɔwɔe le akpa vevi aɖe wɔm geɖe wu, eye mɔ̃wo zãa mɔ̃wo tsɔ dea dzesi ametafatafa, wɔa fexexe ƒe mɔnu nyuitɔ, eye wotrɔa asi le ga si woatsɔ ana amewo ŋu wòasɔ na ame ŋutɔ. Liƒo si kplɔe ɖo la ku ɖe blockchain mɔ̃ɖaŋununya zazã hena liƒodzinyawo gbɔ kpɔkpɔ kple nubabla siwo me nunya le, eye Anyieheɣedzeƒe Asia gadzraɖoƒe geɖewo le ƒoƒo ɖekae siawo dom kpɔ xoxo.

Nusɔsrɔ̃ vevitɔ kekeake tso Anyieheɣedzeƒe Asia ateŋu anye esi: fintech ƒe ɖekawɔwɔ menye dɔ si ƒe nuwuwu ŋkeke le o—enye ŋutete si yia edzi si bia be woatrɔ asi le eŋu ɣesiaɣi. Esi nuƒlelawo ƒe mɔkpɔkpɔwo le tɔtrɔm eye mɔ̃ɖaŋununya yeyewo le dodom la, mɔnu siwo léa asitɔtrɔ le nɔnɔmewo ŋu me ɖe asi esime wole kakaɖedzi kpɔm lae aɖe asitsatsa ƒe dzidzedzekpɔkpɔ ƒe dzidzime si gbɔna gɔme.

Nyabiase Siwo Wobiana Enuenu

Nukae na Anyieheɣedzeƒe Asia le etɔxɛ na fintech ƒe ɖekawɔwɔ?

Ɣeyiɣi didi kae fintech ƒe ƒoƒo ɖekae si bɔ xɔna na asitsatsa ƒe mɔnu?

Dɔwɔwɔ ƒe ɣeyiɣiwo toa vovo ŋutɔ le nusiwo sesẽ ta, gake zi geɖe la, Anyieheɣedzeƒe Asia ƒe mɔ̃ siwo kpɔ dzidzedze la wɔa dɔ le afɔɖeɖewo me le ɣleti 3-9 me, wodzea egɔme tso fexexe ƒe dɔwɔwɔ veviwo dzi hafi kekena ɖe enu yia nɔnɔme deŋgɔwo dzi.

Nukae nye vodada siwo bɔ wu le fintech ƒe ƒoƒo ɖekae me?

Vodada gãtɔwo dometɔ aɖewoe nye be woabu sedede ƒe sesẽ nu tsɛe, be womete ŋu wɔa nutoa me tɔwo na asi aɖewo koŋ o, womebua dedienɔnɔ abe nusi woawɔ le emegbe ene, eye womewɔa ɖoɖo ɖe xɔtuɖoɖo siwo woate ŋu atrɔ asi le ŋu tso gɔmedzedzea me o.

Ðe asitsaha suewo ateŋu akpɔ viɖe tso fintech ƒe ɖekawɔwɔ mea?

Kakaɖedzitɔe—fintech ƒe ɖekawɔwɔ naa viɖe siwo mesɔ o le nyateƒe me na dɔwɔƒe suewo to ganyawo ƒe ɖoɖowo wɔwɔ le wo ɖokui si, asitsatsa ƒe gazazãwo dzi ɖeɖe kpɔtɔ, kple dɔwɔna siwo dɔwɔƒe gãwo koe nɔ tsã la kpɔkpɔ me.

Aleke gbegbee APIwo le vevie le fintech ƒe ƒoƒo ɖekae me?

APIwo nye gɔmeɖoanyi—wonaa wowɔa ƒoƒo ɖekae siwo woate ŋu atrɔ asi le, siwo woate ŋu atrɔ asi le, siwo ate ŋu atrɔ kple asitsatsa ƒe nuhiahiãwo, eye zi geɖe la, Anyieheɣedzeƒe Asia kplɔlawo tua API gbãtɔ ƒe xɔtuɖaŋu siwo doa alɔ kadodo bɔbɔe siwo le ganyawo ŋuti dɔwɔƒe vovovowo dome.