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The Fintech Revolution: An Opportunity for the West African Financial Sector 被引量:4
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作者 Hua Wilfried Serge Koffi 《Open Journal of Applied Sciences》 2016年第11期771-782,共12页
Fintech provides alternative solutions and business models that could render traditional banking processes obsolete. This paper assesses the opportunity that could be taken to West Africa by using Fintech’s financial... Fintech provides alternative solutions and business models that could render traditional banking processes obsolete. This paper assesses the opportunity that could be taken to West Africa by using Fintech’s financial system. It describes the current West African financial sector, the way of digitization settlement, and lastly, the financial market segments of Fintech. Financial sector creates a massive amount of data exploiting by Fintech companies that are using to segment customer populations, identify opportunities for new products and services and optimize pricing. In this segment, products may use data and analytics to computerize the decision- making processes. Innovative start-ups, retailers, established banks, card companies and other payment services providers are the Payment systems that underpin the services that enable funds to be transferred between people and institutions. For the financial system (banking), Fintech offers sustainable and realistic opportunities by enhancing the value proposition and driving sales, reducing operating costs, making easy access to loans, and lowering interest rates. After showing the advantages of using Fintech services, the findings are that Fintech could improve both financial services and access to services in the West African economy. 展开更多
关键词 BANKING Fintech Revolution Financial Services west Africa economy Monetary Union (WAEMU)
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