数字银行平台是菲律宾金融科技革命的基石

数字银行平台一直是菲律宾金融技术革命的核心，为边缘群体提供智能手机上简单易用的金融解决方案。

Digital banking platforms have been at the heart of the financial technology revolution in the Philippines, offering simple and accessible financial solutions on smartphones to the marginalized. At the Fintech Revolution Summit in Manila, some industry leaders spoke to CoinGeek about the rise of digital payments and why they are the foundation of the country’s digital future.

数字银行平台一直是菲律宾金融技术革命的核心，为边缘群体提供智能手机上简单易用的金融解决方案。在马尼拉举行的金融科技革命峰会上，一些行业领袖向 CoinGeek 谈论了数字支付的兴起以及为什么它们是该国数字未来的基础。

The Philippines’ first digital bank

菲律宾第一家数字银行

While there are dozens of digital payment solutions in the Philippines, only six have received a license from the central bank to operate as digital banks. Tonik Bank—alongside Maya—was the first to receive this coveted license in early 2022. It hit the one million customers mark in June last year.

尽管菲律宾有数十种数字支付解决方案，但只有六种获得了央行颁发的数字银行运营许可证。 Tonik Bank 与 Maya 一起于 2022 年初成为第一家获得这一令人垂涎的许可证的银行。该银行于去年 6 月突破了 100 万客户大关。

Tonik’s chief product officer, Edmon Joson, told CoinGeek’s Claire Celdran that the bank has focused on financial inclusion since its launch. It has integrated various technologies to offer the best products “because when you’re addressing a market like the Philippines, having the right technology enables you to serve the market better.”

Tonik 的首席产品官 Edmon Joson 告诉 CoinGeek 的 Claire Celdran，该银行自成立以来一直专注于普惠金融。它集成了各种技术来提供最好的产品，“因为当您面对像菲律宾这样的市场时，拥有正确的技术可以让您更好地服务市场。”

While the Philippines has made great strides in promoting financial inclusion, four in ten adults remain unbanked, according to the latest study by the Bangko Sentral ng Pilipinas (BSP).

根据菲律宾中央银行 (BSP) 的最新研究，虽然菲律宾在促进金融包容性方面取得了长足进步，但十分之四的成年人仍然没有银行账户。

“The opportunity is really there to serve the underbanked. A lot of customers really need these services. They are hungry for access to credit, credit scores, and other financial services,” Joson said.

“为银行服务不足的人群提供服务的机会确实存在。很多客户确实需要这些服务。他们渴望获得信贷、信用评分和其他金融服务，”乔森说。

One key impediment to banking the marginalized is a lack of identity documents, which are required for KYC, according to Joson. However, recent government initiatives are solving this challenge.

乔森表示，为边缘化人群提供银行服务的一个主要障碍是缺乏 KYC 所需的身份文件。然而，最近政府的举措正在解决这一挑战。

“The initiatives of the BSP and providing our Philippines ID is such a great boon to our bank and other digital banks,” he said.

他说：“菲律宾央行的举措以及提供我们的菲律宾身份证对我们的银行和其他数字银行来说是一个巨大的福音。”

Tonik is a branchless bank with many challenges. For instance, it’s unable to target specific regions with a higher unbanked rate in the same way a local bank branch could.

Tonik 是一家无网点银行，面临着许多挑战。例如，它无法像当地银行分行那样瞄准无银行账户比例较高的特定地区。

However, this all-digital approach also allows Tonik to make onboarding easier and more accessible than with physical branches. Users can instantly make deposits and apply for credit facilities once they download the app and provide their KYC information.

然而，这种全数字化方法也使 Tonik 比实体分支机构更容易、更容易上手。用户下载该应用程序并提供 KYC 信息后，即可立即存款并申请信贷额度。

“It’s all about access,” he stated. “The big benefit is that we, as a bank, can be accessible to customers anywhere they are, at any time, through their devices. They have immediate access to all our services and their funds,” he pointed out.

“这一切都与访问有关，”他说。 “最大的好处是，作为一家银行，客户可以随时随地通过他们的设备与我们联系。他们可以立即使用我们的所有服务和资金，”他指出。

A vast opportunity

巨大的机会

In theory, digital banks compete for the same clientele as traditional banks and should be rivals. However, Michael Ricafort says the pie is big enough for everyone.

从理论上讲，数字银行与传统银行竞争相同的客户，应该是竞争对手。然而，迈克尔·里卡福特表示，蛋糕对于每个人来说都足够大。

Ricafort is the chief economist at the Rizal Commercial Banking Corporation (RCBC). Speaking to CoinGeek, he noted that “everybody has their part, from the banks to the fintechs and the non-banks.”

里卡福特是黎刹商业银行公司（RCBC）的首席经济学家。他在接受 CoinGeek 采访时指出，“从银行到金融科技公司和非银行机构，每个人都有自己的职责。”

“That would further democratize the financial markets and services such as borrowing and loans, deposits and investments, and the payment system,” he added.

“这将进一步使金融市场和借贷、存款和投资以及支付系统等服务民主化，”他补充道。

Ricafort’s assertion is reiterated by multiple reports from some of the world’s top banks, which all rank the Philippines as one of the best investment destinations. The country’s embrace of digital technology, coupled with a young population and increased government digitalization, make the Southeast Asian nation one of the countries poised for massive economic growth.

一些世界顶级银行的多份报告重申了里卡福特的主张，这些报告均将菲律宾列为最佳投资目的地之一。该国对数字技术的拥抱，加上年轻人口和政府数字化程度的提高，使这个东南亚国家成为有望实现大规模经济增长的国家之一。

“With increased financial literacy and financial inclusion, everything else would improve. That would further democratize financial services, especially in the far-flung areas, where digital banking would be key,” he said.  

“随着金融知识和金融包容性的提高，其他一切都会改善。这将进一步使金融服务民主化，特别是在偏远地区，数字银行将是关键，”他说。

While the potential is undeniable, Ricafort acknowledged that some hurdles remain. These include limited access to the internet in some remote regions of the country. Data shows that internet penetration in the Philippines is around 75%, indicating room for improvement.

虽然潜力是不可否认的，但里卡福特承认仍然存在一些障碍。其中包括该国一些偏远地区的互联网访问受到限制。数据显示，菲律宾的互联网普及率约为75%，仍有提升空间。

Despite the challenges, Ricafort told CoinGeek that digitalizing financial services is inevitable in the Philippines and beyond.

尽管面临挑战，里卡福特告诉 CoinGeek，数字化金融服务在菲律宾及其他地区是不可避免的。

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