WEF - Fintech paradigm SME

Pourquoi la Fintech est là  pour durer

Le World Economic Forum s’intéresse à  nouveau à  la fintech et l’identifie comme un véritable moteur économique fait pour durer. Le WEF indique ainsi que la Fintech comble un vide en offrant du financement à  de nombreuses petites et moyennes entreprises qui n’ont pas d’accès aux marchés financiers.

un petit clic pour ma veille

Even before the financial crisis of 2008, the SMEs already had difficulty getting a loan from financial services institutions who concentrated their efforts on large corporations, leaving the very small companies to the microfinance institutions. SMEs fell between those two groups with little to no formal financial sector financing.Now that the financial crisis is behind us, it has become even more difficult for SMEs to secure their funding needs for growth as regulation and enhanced capital requirements have made such loans even more expensive and less interesting to  the regulated financial institutions.This gap is being filled with companies who use technology to decrease cost and measure risk in a new and efficient way. These companies have created an entire new industry called “fintech” (a contraction of “finance” and “technology” defined as the use of technology and innovative business models in financial services). Through their agility to adapt to the ever-changing financial environment, these companies are disrupting the financial services industry and filling the gap providing financial services to SMEs.

Le WEF rapporte donc le rôle  majeur des activités de crowd-funding qui apporte une nouvelle énergie à  une économie mondiale qui n’arrive pas à  reprendre son souffle après  les dernières crises financières. Il  démontre également que la fintech est ainsi capable aujourd’hui d’offrir une large offre de services de financement pour les PMEs  en parallèle des banques comme montre l’illustration ci-dessous:

Pour atteindre l’article, c’est par ici:

Why fintech is here to stay

The World Economic Forum is an independent international organization committed to improving the state of the world by engaging business, political, academic and other leaders of society to shape global, regional and industry agendas. Incorporated as a not-for-profit foundation in 1971, and headquartered in Geneva, Switzerland, the Forum is tied to no political, partisan or national interests.

Et le rapport complet est disponible ici:

Cliquer pour accéder à GAC15_The_Future_of_FinTech_Paradigm_Shift_Small_Business_Finance_report_2015.pdf

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