The advancement of modern technology has enabled seamless access to financial services for customers in developed economies. However, limited infrastructure and services hinder similar access for those in developing markets.
在东南亚, it is estimated that around 225 million people lack access to a financial account while more than 350 million people do not have access to formal credit.
结果是, many financial services that are often taken for granted, 例如, 工资的领取, payments or social benefits and even access to loans, 支付账单和经营小生意, remain out of reach to a large proportion of the population.
服务于全东南亚没有银行账户的人
Ascend Money together with TrueMoney, both subsidiaries of Thailand’s C.P. 集团, believe that technology has a powerful role to play in addressing financial disparities across the region and in creating positive societal impact in a way that fosters social mobility and alleviates poverty. 通过财务申请和网络88,000名注册代理人, Ascend Money is able to provide financial services across Southeast Asia, 包括在泰国, 柬埔寨, 缅甸, 越南, 菲律宾, 印尼, 和马来西亚. The company creates an easy-accessible and effortless financial platform and network, so people have a lower entry barrier to use various financial tools to improve their lives. The core driving force is to help improve the accessibility, 可购性, and impact of financial services for people in the region.
Creating equitable access to essential banking services for all
In rural communities where a lack of proper banking infrastructure presents a significant challenge for people requiring basic banking services, Ascend and TrueMoney have established TrueMoney centres through partnerships with local shops, 便利店, 药店, 咖啡馆, or even through street vendors to provide service locations that support transactions such as cash withdrawals, 预付费信用充值, utility bill and phone bill payments and even facilitating cash pickup from overseas remittances. Most of TrueMoney agents are local entrepreneurs and shop owners who want to make ends meet. 除了获得更多的收入, they have played a vital part in helping people in their community to access easy, 安全透明的交易.
The World Bank estimates that remittance flows to low and middle-income countries worldwide are estimated to grow by 1.到2023年将达到6560亿美元，增长4%. Many in developing countries are dependent on remittances from families working abroad as an important source of income – this is particularly true for those living in harder to reach rural locations. 在资金紧张的时代, such remittances can act as a lifeline in meeting basic needs, 从购买食物, 资助教育和获得医疗保健. TrueMoney centers and agents therefore provide a hassle-free option for families to collect such remittances from abroad.
通过纳米信贷推动经济增长
在发展中国家, access to nano-credit and capital also opens the door for aspiring micro-level entrepreneurs. Traditional banks often deny small loan or credit applications due to difficulties in verifying creditworthiness. This lack of access to essential financial services hinders small business growth and limits the creation of new job opportunities. Limited finance options may also drive people to illegal lenders and loan sharks, 导致他们陷入债务陷阱.
Ascend Money aims to extend financial inclusion by offering small-dollar capital loans to empower businesses and individuals in rural communities. 通过TrueMoney应用程序, individuals or small businesses can apply for loans of less than 10,000泰铢(280美元)只需使用他们的国民身份证. The loan approval and lending limits process is based on the applicants' monthly payment track record, with the lending limit capped at four times the customer's monthly mobile bill (not exceeding 10,000泰铢). The streamlined loan application process can provide for practical and emergency needs such as working farming capital, 种植季节劳动, 医疗需求及其他.
通过技术为社区赋权
With a vision to improve livelihoods and quality of life, C.P. 集团 believes advancements in financial technology can empower communities to create better opportunities and build better lives. 通过Ascend Money, C.P. 集团 is driving financial transformation through technology and innovation in changing the ways people access financial services each day.
