FinTech
Mention money and technology and most people will immediately think of online shopping. But the latest financial technology—FinTech for short—is less about spending money and more about managing it. In Taiwan
But if you want to see where FinTech is having the greatest impact, head to Sub-Saharan Africa, where most people have mobile phones but only a third have bank accounts. Taking advantage of the rapid shift from a largely cash-based commercial system to a digital economy in which people pay bills, transfer money, and even take out loans with mobile phones, African technology companies have already skipped a generation of outdated tech. And unburdened by that legacy of antiquated systems and practices, African FinTech is well positioned to build on its current success.
Translation
金融科技
提到金錢和科技，大多數人直接想到線上購物。然而最新的金融科技（financial technology；簡稱 FinTech），少談花錢，重金錢管理。在台灣，輕敏靈巧的新科技公司，與已設立的金融機構，正競相提供數位工具來給消費者處理預算，支付費用和進行投資。
但你若想瞧瞧金融科技正在什麼地方發揮著巨大的影響力，撒哈拉沙漠以南的非洲地區走一趟便是。在那，很多人擁有行動電話，卻僅三分之一的人有銀行帳戶。從主要以現金為基礎的商業體系，快速轉變為人人使用手機進行付款、轉帳甚至借貸的數位經濟，非洲的科技公司搭上順風車，早已跳脫落後科技的世代。過時的系統與運作模式，擺脫老派作風，非洲的金融科技，以目前的成功為本，占得先機。
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