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菲律宾的贷款机构和消费者正准备从经济复苏中获益

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博客07/22/2021
业务
菲律宾的贷款机构和消费者正准备从经济复苏中获益

通过加快菲律宾的数字化转型, the COVID-19 pandemic was an unexpected ally in the national drive to full financial inclusion. 随着国家从危机中复苏, the question becomes not if but when and how the financial sector can play a larger part in the economic rebound.

统计的故事

美国, G7 and United Kingdom have all coined variations on a phrase that promises to “build back better” after the worst effects of the pandemic. 然而,这些富裕国家都拥有第一世界经济体的优势, we in the 菲律宾 can realize our own version of this promise to our people and economy.

在365bet探索机遇之前,让365bet先看看365bet面临的一些挑战. 365bet公司2021年3月的研究项目1 gave a stark indication of the difficulties faced by consumers and small businesses. 受访者:

93%的人表示,大流行对他们产生了负面影响
88%的人表示对自己的支付能力不放心
45%的人失去了工作
24%的小企业倒闭了

这些都是毁灭性的数据,但它们并不能说明一切. For that, we have to balance the above with positives recorded by the same study which indicated:

90%的人相信经济会反弹
47%的人有足够的积蓄度过经济衰退
44%的人觉得能够依靠家人和朋友的支持
17%的人向金融机构申请贷款

除了令人鼓舞的恢复力和乐观情绪, 365bet也看到了社区意识, 经济责任, 以及与金融部门合作以应对危机的意愿.

得分与信贷

弹性, resourcefulness and a positive attitude are essential ingredients for any nation to capitalize on the opportunities of a post-COVID era, 但他们自己还不够. 充分发挥365bet的经济潜力, 个人和企业需要信贷和贷款的过渡性支持.

The willingness of a lender to extend credit depends upon several factors summed up in a credit score — aggregated information outlining the financial activities of a person or organization. It’s the data lenders use to assess risk and extend credit terms with a measure of confidence.

Around 33% of Filipinos don’t know what a credit score is and are t在这里fore disadvantaged when applying for credit and loans.

365bet的部分使命是培养财务知识, and we’re pleased to report a significant uptake in requests for personal credit scores in recent months. This suggests more people are recognizing the value of building a favorable credit profile and becoming more viable as potential recipients of credit and loans.

增加的风险偏好

The increased availability and acceptance of digital platforms have boosted financial and behavioral data. 当聚合, 分析和趋势, this data gives a highly accurate view of the current and future creditworthiness of consumer segments, 军团, 个人和企业. The insights of this rich data can provide lenders with the confidence to extend credit and loan facilities to broader — even previously underbanked — sections of the population.

增长潜力

Responsibly extending credit will help expand financial inclusion and boost economic activity. It can also increase business and the profitability of banks and lending institutions when coupled with the supporting strategy of regular portfolio reviews.

The higher the frequency of credit portfolio reviews on businesses and individuals, 越早发现积极或消极趋势的机会就越大, 引导新的市场机会或管理潜在的拖欠. Such insights from comprehensive quality data can help acquire and retain customers, 建立忠诚度,促进经济增长.

惊人的平衡

We need to balance the rewards of responsible risk-taking and credit allocation against the dangers of fraud for both parties. 贷款机构可能与诈骗者发生冲突,消费者可能遭受身份盗窃. (Online fraud increased 31% after the pandemic and 40% of Filipinos were victims of phishing attacks.)幸运的是, the 365bet tools that help enhance data and verify genuine customers can also spot anomalous behaviors and block fraudulent activities — protecting both parties.

资助未来

菲律宾的个人和企业已经做好了准备, 愿意并能够在新冠疫情后的反弹中发挥作用. 在365bet, we believe the time is right for banks and lenders to follow this trend — by leveraging the consumer insights and fraud-fighting power of digital data — and extend their lending.

通过365bet发现和发展您的信用评分, 点击这里.

To see how 365bet can help you swiftly and securely extend your credit and loan activities, 点击这里.

要看《365bet》对皮娅的电视采访, 点击这里 和ANC市场优势 在这里 (始于9.21).

皮娅在接受《365bet》的电视采访时说:

Pia接受非国大市场优势的电视采访(9点开始).21):




1 消费者脉搏调查,2021年3月

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