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穆凯什•安巴尼(Mukesh Ambani)的50美元手机可能在全球掀起一场信贷革命

随着该国剩余的3亿功能手机用户上网，将会有大量的客户数据可以作为抵押品。问题是，银行将如何获得这些资金?

  • 彭博
  • 2021年9月3日，美国标准时间07:35
穆凯什•安巴尼(Mukesh Ambani)的50美元手机可能在全球掀起一场信贷革命

Andy Mukherjee著

一款被普遍认为售价低于50美元(可能是世界上最便宜的)的智能手机将于一周后开始销售。如果穆凯什•安巴尼的JioPhone下这是Alphabet Inc.为印度定制的Android设备谷歌在价格敏感的市场，它将解决银行的一个问题，同时也会带来另一个问题。

随着该国剩余的3亿功能手机用户上网，将会有大量的客户数据可以作为抵押品。问题是，银行将如何获得这些资金?

一个答案来自于iSPIRT，这是一群有政策影响力的人，他们悄悄地为印度数字市场制定技术标准，引导公司进入新的开放网络市场，从在线支付到医疗保健。

这家总部位于班加罗尔的集团正在支持一组新的参与者——账户聚合商——以解锁一项备受追捧的奖励:将发展中国家80%(富裕国家40%)不从传统机构借钱的成年人纳入正规信贷的行列。

但由于JioPhone Next等创新，这些人和他们的微型企业越来越多地在线上。他们在支付房租、房租和水电费，在智能手机上收款，在互联网上到处都是他们的足迹。帐户聚合器将收集这些数字碎屑，供人们以机器可读的格式分享自己的数据，用于银行贷款申请。

引入一层同意管理器非常重要。新兴市场的借款人可以有多种基于账户的关系。然而，如果他们无法提供自己财务状况的综合情况，以获得由信用机构监控的正式贷款，那么这些数据对银行来说就毫无用处了。超过五分之三的印度成年人要么对信用评分者视而不见，要么被标准贷款机构认为不值得费心。

在像美国这样的发达经济体，Experian Boost和LenddoScore等服务帮助缩小了次级贷款者的能见度差距，让他们自愿提交他们的公用事业或视频流账单来证明信誉。但在一个金融素养较低的新兴市场，银行宁愿把金字塔底层留给那些在现实生活中了解借款人或对借款人有一定社会影响力的贷款人——比如向女性群体放贷的小额信贷公司。

相反，技术平台密切了解客户的在线行为，可以为他们提供贷款，收取费用，同时将风险留给银行。马云(Jack Ma)的蚂蚁集团(Ant Group Co.)垄断了中国近五分之一的短期消费债务，后来北京方面叫停了这一游戏。

不是每个国家都有能力对其私营部门动用重炮:政治不允许这样做。在保持贷款市场公平方面，聚合器可以是一个软得多的工具，让银行有一个合理的经济机会与数据丰富的科技巨头竞争。

以JioPhone Next为例。它将提供大量有关银行存款稀少的人口的数据。安巴尼的4G电信网络Jio将在其廉价数据套餐的用户从JioMart购买杂货时获得部分数据。JioMart是一家与印度各地社区商店建立在线合作关系的网络。谷歌还将获得有关用户位置和搜索查询的宝贵数据。Facebook Inc .。这家社交媒体巨头将利用自己的知识，为其拥有5亿多印度用户的WhatsApp和视频分享平台Instagram Reels增加用户量。不出所料，谷歌想要影响印度的存款市场脸谱网正在蚕食小企业贷款这块蛋糕。

在实时数据方面，银行永远无法与平台的影响力相提并论。但帐户聚合器的快照可以帮助他们抓住机会。

只要有足够多的额外数据能告诉他们，客户的信用评分是否比低(或没有)信用评分所暗示的更高，就能对利润产生巨大影响，尤其是银行不必为Jio、谷歌或Facebook等公司的专有评估支付高额费用。通过拥有并明确分享他们的数据，客户将避免陷入科技行业有偏见的算法中。小型企业将能够通过汇集从税款到客户收据的一切信息，向贷款人展示它们的现金流。一旦电信公司加入进来，对于一个定期支付电话费的低收入家庭来说，“先买后付”的平价冰箱购买计划将成为可能。

聚合，作为一种公用事业，就像自来水对于平台的依云，并相应地定价。谁将拥有这些管道?沃尔玛(Walmart Inc.)旗下的PhonePe运营着印度最受欢迎的数字钱包，该公司已获得印度央行原则上批准成为一家整合商。八家银行同意使用周四上线的新框架，这八家银行的账户总数占全国的48%。

这是一个好的开始。银行迫切需要一些帮助，才能在这场金钱游戏中站稳脚跟。或者他们会向监管机构哭诉，要求他们针对大型科技公司提供特殊保护。这将损害实验，并推迟50美元手机所能引发的信贷革命。

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\"Mukesh<\/figure>
By Andy Mukherjee<\/strong>

A smartphone widely believed to be priced below $50, likely the world\u2019s cheapest, will start selling a week from now. If Mukesh Ambani<\/a>\u2019s JioPhone Next<\/a>, an Android device custom-built for India by Alphabet Inc.\u2019s Google<\/a>, is a hit in the price-conscious market, it will solve one problem for banks while posing another.

With the country\u2019s remaining 300 million feature-phone users going online, there will be a surge of customer data that can stand in for collateral. The question is, how will banks get their hands on it?

<\/div><\/div>An answer has come from iSPIRT, a small band of policy influencers quietly setting up technology standards for India\u2019s digital markets, inducing firms to enter new, open-network markets from online payments to healthcare.

The Bangalore-based group is championing a fresh set of players \u2014 account aggregators \u2014 to unlock a much sought-after prize: Bringing into the folds of formal credit the 80% of adults in developing countries (40% in rich nations) who don\u2019t borrow money from traditional institutions.

But these people and their micro enterprises are increasingly online thanks to innovations like JioPhone Next. They\u2019re paying rents, rates and utility bills and receiving payments on their smartphones, scattering their footprints all over the internet. Account aggregators will gather those digital crumbs for people to share their own data in a machine-readable format for a bank loan application.

Introducing a layer of consent managers is important. Emerging-market borrowers can have many types of accounts-based relationships. Yet they can be useless to banks if they can\u2019t present a composite picture of their financial lives to access formal loans that get monitored by credit bureaus. More than three-fifths of India\u2019s adult population is either invisible to credit scorers or not considered worth the trouble by standard lending institutions.

<\/div><\/div>In an advanced economy like the U.S., services such as Experian Boost and LenddoScore help narrow the subprime borrowers\u2019 visibility gap by getting them to voluntarily submit their utility or video-streaming bills to demonstrate creditworthiness. But in an emerging market with low financial literacy, banks would rather leave the bottom of the pyramid to lenders who know the borrower in real life or have some social leverage on her \u2014 such as micro-finance firms that lend to groups of women.

Conversely, tech platforms, intimately aware of their customers\u2019 online behavior, can match them with loans, collecting fees while leaving risks with the banks. Jack Ma\u2019s Ant Group Co. cornered nearly a fifth of China\u2019s short-term consumer debt before Beijing broke up the game.

Not every country can afford to bring out the heavy artillery against its private sector: Politics wouldn\u2019t allow it. Aggregators can be a much softer tool for keeping the lending market fair, giving banks a reasonable economic chance to compete with data-rich tech giants.

Take JioPhone Next. It will spew out data about a large segment of sparsely banked population. Jio, Ambani\u2019s 4G telecom network, will capture some of it as subscribers of its cheap data plans buy groceries from JioMart, an online partnership with neighborhood stores across India. Google will also get valuable data about users\u2019 location and search queries. Facebook Inc.<\/a> will exploit its own knowledge, as the social media giant adds to its half-a-billion-strong Indian customer base for WhatsApp and a growing craze for Instagram Reels, a video-sharing platform. Unsurprisingly then, Google wants to influence India\u2019s deposit market, and Facebook<\/a> is nibbling into the small business loans pie.

When it comes to real-time data, banks can never match the platforms\u2019 clout. But account aggregators\u2019 snapshots can help them catch a break.

Just enough additional data that will tell them if a customer is more creditworthy than suggested by a low (or no) credit score can make a big difference to profit, especially as banks won\u2019t have to pay hefty fees to the likes of Jio, Google or Facebook for their proprietary assessments. By owning and explicitly sharing their data, customers will avoid getting trapped in the tech industry\u2019s biased algorithms. Tiny enterprises will be able to show their cash flows to lenders by pooling everything from tax payments to customer receipts. Once telecom firms come on board, an affordable \u201cbuy-now-pay-later\u201d plan on a refrigerator purchase will become possible for a low-income family that pays its phone bills regularly .

Aggregation, being a utility, will be like tap water to platforms\u2019 Evian, and be priced accordingly. Who will own the pipes? Walmart Inc.\u2019s PhonePe, which runs India\u2019s most popular digital wallet, has received an in-principle approval to be an aggregator from the central bank. Eight banks, which between them account for 48% of all accounts in the country, have agreed to use the framework, which went live Thursday.

It\u2019s a good start. Banks desperately need some help to stay in the money game. Or they\u2019ll just go crying to regulators and ask them for special protections against Big Tech. That would hurt experimentation and delay the credit revolution that $50 phones can unleash.
<\/div><\/div>
Follow and connect with us on Twitter<\/a>, Facebook<\/a>, Linkedin<\/a>, Youtube<\/a><\/div>","NumberOfSentences":{"minfo":"43.0","minfoseo":"43-0"},"AutomatedReadabilityIndex":{"minfo":"14.0","minfoseo":"14-0"},"LastPublishMilliTime":{"minfo":"1630634842654","minfoseo":"1630634842654"},"ReadabilityGradeLevel":{"minfo":"College","minfoseo":"college"},"GadgetsMarkedReviewed":{"minfo":"0","minfoseo":"0"},"HashCode":{"minfo":"1302684436","minfoseo":"1302684436"},"latestnewsflag":{"minfo":"1.0","minfoseo":"1-0"},"NumberOfCharacters":{"minfo":"5207.0","minfoseo":"5207-0"},"NumberOfWords":{"minfo":"823.0","minfoseo":"823-0"},"key":[{"keyid":"11913990","value":"JioPhone Next launch","smid":"0","keynameseo":"JioPhone-Next-launch","keytype":"","keycount":"totalcount","weightage":"100"},{"keyid":"11913991","value":"Reliance Jio JioPhone Next","smid":"0","keynameseo":"Reliance-Jio-JioPhone-Next","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6354504","value":"reliance jio","smid":"0","keynameseo":"reliance-jio","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"10926","value":"reliance","smid":"0","keynameseo":"reliance","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"3820","value":"mukesh ambani","smid":"0","keynameseo":"mukesh-ambani","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"11900973","value":"jiophone next","smid":"0","keynameseo":"jiophone-next","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6355629","value":"google","smid":"0","keynameseo":"google","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"302653","value":"facebook inc.","smid":"0","keynameseo":"facebook-inc.","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6354576","value":"facebook","smid":"0","keynameseo":"facebook","keytype":"","keycount":"totalcount","weightage":"20"}],"authorsplit":[],"similarlytagged":[{"msid":"87764765","stname":"JioPhone Next receiving encouraging response from retailers, consumers: Reliance Retail","artsyn":"The device comes locked with the SIM of Reliance Jio, the telecom arm of Reliance Industries. 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The phone will now be available \"more widely\" around the Diwali festive season instead of September 10.","seolocation":"telecomnews\/jiophone-next-delayed-challenges-ahead-for-jio-to-manage-component-supply-shortage-and-price-say-analysts","seolocationalt":"JioPhone Next delayed: Challenges ahead for Jio to manage component supply shortage and price, say industry experts","url_seo":"jiophone-next-delayed-challenges-ahead-for-jio-to-manage-component-supply-shortage-and-price-say-analysts"},{"msid":"86080607","stname":"JioPhone Next launch delayed due to chip shortage; wider availability around Diwali, says Jio","artsyn":"Both companies have begun testing JioPhone Next with a limited set of users for further refinement and are actively working to make it available more widely in time for the Diwali festive season.","seolocation":"telecomnews\/jiophone-next-launch-delayed-due-to-chip-shortage-wider-availability-around-diwali-says-jio","seolocationalt":"JioPhone Next launch delayed due to chip shortage; wider availability around Diwali, says Jio","url_seo":"jiophone-next-launch-delayed-due-to-chip-shortage-wider-availability-around-diwali-says-jio"},{"msid":"85886389","stname":"Mukesh Ambani's $50 phone can unleash a credit revolution across the globe","artsyn":"With the country\u2019s remaining 300 million feature-phone users going online, there will be a surge of customer data that can stand in for collateral. The question is, how will banks get their hands on it?","seolocation":"telecomnews\/mukesh-ambanis-50-phone-can-unleash-a-credit-revolution-across-the-globe","seolocationalt":"Mukesh Ambani's $50 phone can unleash a credit revolution across the globe","url_seo":"mukesh-ambanis-50-phone-can-unleash-a-credit-revolution-across-the-globe"},{"msid":"85758270","stname":"Jio ropes in banks to finance JioPhone Next; aims to sell 5 crore units in six months: ET NOW","artsyn":"JioPhone Next buyers will have to pay 10% cost upfront while lenders could finance the remaining amount, it said.","seolocation":"telecomnews\/jio-ropes-in-banks-to-finance-jiophone-next-aims-to-sell-5-crore-units-in-six-months-et-now","seolocationalt":"Jio ropes in banks to finance JioPhone Next; aims to sell 5 crore units in six months: ET NOW","url_seo":"jio-ropes-in-banks-to-finance-jiophone-next-aims-to-sell-5-crore-units-in-six-months-et-now"},{"msid":"85758161","stname":"Jio looking to tighten grip on mid-segment high-ARPU consumers with \u2018Jio Exclusive\u2019 smartphones: Report","artsyn":"\u2018Jio Exclusive\u2019 smartphones imply locked with Jio sim and Jio bundled apps in partnerships with device manufacturers. These smartphones would come with a price support from Jio, along with no cost EMI (up to 6 months) and additional benefits worth Rs 7000-10000.","seolocation":"telecomnews\/jio-looking-to-tighten-grip-on-mid-segment-high-arpu-consumers-with-jio-exclusive-smartphones-report","seolocationalt":"Jio looking to tighten grip on mid-segment high-ARPU consumers with \u2018Jio Exclusive\u2019 smartphones: Report","url_seo":"jio-looking-to-tighten-grip-on-mid-segment-high-arpu-consumers-with-jio-exclusive-smartphones-report"}],"primeid":0,"storytags":{"categoryTag":{"sectionid":"49830939","sectionname":"TelecomNews","seolocation":"telecomnews","seolocationalt":"telecomnews"},"otherTags":[{"keyid":"11913990","value":"JioPhone Next launch","smid":"0","keynameseo":"JioPhone-Next-launch","keytype":"","keycount":"totalcount","weightage":"100"},{"keyid":"11913991","value":"Reliance Jio JioPhone Next","smid":"0","keynameseo":"Reliance-Jio-JioPhone-Next","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6354504","value":"reliance jio","smid":"0","keynameseo":"reliance-jio","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"10926","value":"reliance","smid":"0","keynameseo":"reliance","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"3820","value":"mukesh ambani","smid":"0","keynameseo":"mukesh-ambani","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"11900973","value":"jiophone next","smid":"0","keynameseo":"jiophone-next","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6355629","value":"google","smid":"0","keynameseo":"google","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"302653","value":"facebook inc.","smid":"0","keynameseo":"facebook-inc.","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6354576","value":"facebook","smid":"0","keynameseo":"facebook","keytype":"","keycount":"totalcount","weightage":"20"},{"keyid":"6355190","value":"Devices","smid":"0","keynameseo":"Devices","keytype":"","keycount":"totalcount","weightage":"20"}],"filterTags":[]},"formattedTags":{"companyTags":[],"otherTags":[{"name":"Reliance Jio JioPhone Next"},{"name":"JioPhone Next launch"},{"name":"mukesh ambani"},{"name":"jiophone next"},{"name":"facebook inc."},{"name":"reliance jio"},{"name":"reliance"},{"name":"facebook"},{"name":"Devices"},{"name":"google"}],"newsCategoryTags":[{"name":"TelecomNews","seolocation":"telecomnews"}],"breadcrumbTags":["JioPhone Next launch","Reliance Jio JioPhone Next","reliance jio","reliance","mukesh ambani","jiophone next","google","facebook inc.","facebook","Devices"],"filterTags":[]},"breadcrumbTags":["JioPhone Next launch","Reliance Jio JioPhone Next","reliance jio","reliance","mukesh ambani","jiophone next","google","facebook inc.","facebook","Devices"],"Alttitle":{"minfo":""},"Altdescription":{"minfo":""},"amp_url":"\/\/www.iser-br.com\/amp\/news\/mukesh-ambanis-50-phone-can-unleash-a-credit-revolution-across-the-globe\/85886389"}" data-news-images="[{"msid":"85886409","msname":"Mukesh Ambani 9 (1)","msnameseo":"mukesh-ambani-9-1","mediatype":"1","artdate":"2021-09-03 07:22:00.0","caption":""}]" data-newsletter-by="0" data-newsletter-date="a" data-hasbottomcarousel="" data-alldetailsopen="0" data-multipleanalyticshit="" data-deeplink="https://ettelecom.app.link?$deeplink_path=" data-socialshareformat="default">
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