HONG KONG: DRIVING FINTECH’S GROWTH IN ASIA香港:推動亞金洲 融科技發展 港優勢

WITH HONG KONG FINTECH WEEK, THE CITY BRINGS TOGETHER INTERNATIONAL DEVELOPERS AND BOLSTERS ITS APPEAL AS A HUB FOR FINANCIAL TECHNOLOGY 香港金融科技周匯聚來自世界各地的科技開發機構及投資者,進一步增加香港作為金融科技樞紐的吸引力

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HAVE YOU EVER gone into a shop and paid for something with your mobile phone? Or bought an insurance policy online? How about contributing to a crowdfunding campaign?

These are all ways that ordinary people use fintech, or financial technology. Fintech is widely used by companies, too. Banks, for instance, use fintech for tasks such as analysing big data to assess risk. The fintech ecosystem is broad, involving startups, which develop the technology; incubators, accelerators and co-working spaces, which support entrepreneurs; regulators, which oversee compliance; and companies, which use the services.

Hong Kong is establishing itself as a prime location for the development of fintech. On its side is the city’s status as a global financial centre, world-class business infrastructure and its position as the super-connector to mainland China, the country with the highest adoption rate of fintech in the world. Further supporting Hong Kong’s fintech ecosystem is the annual Hong Kong FinTech Week, hosted by Invest Hong Kong.

HONG KONG’S ADVANTAGES

Hong Kong is the world’s freest economy and benefits from the rule of law. It was ranked as the world’s most competitive city in this year’s IMD World Competitiveness Yearbook.

Hong Kong’s location and unique relationship with mainland China make it a super- connector to the country, where 69 percent of digitally active people use fintech, according to an EY report published this year. But Hong Kong also connects easily to the rest of the world, thanks to its well- established financial industry with 157 banks and over 600 stockbrokers. There’s also a ready supply of top- class talent. Plus, Hong Kong is the world’s largest offshore renminbi hub, making it easy for Western companies to use Hong Kong as a base from which to eye expansion into mainland China.

Fintech is already thriving in the region. Fintech investment in Asia more than doubled to US$11.2 billion in 2016 from US$5.2 billion in 2015, according to Accenture. Globally, Hong Kong and mainland China accounted for more than 40 percent of investment last year.

It helps that Hong Kong’s government has created favourable regulations and initiatives to support fintech activity. To fast track the technology’s development, last year regulators permitted a number of banks to trial new technology through a sandbox programme – a testing environment for software under development. The Hong Kong Monetary Authority is leading an initiative to explore the feasibility of using

blockchain technology in the financial industry to reduce risk and increase transparency and efficiency.

The private sector has played an important role, too. The Hong Kong Fintech Association launched this year, bringing together entrepreneurs, investors and representatives from financial and educational institutions who aim to promote fintech development. Industry leaders also frequently organise meet-ups, keeping Hong Kong on the cutting edge.

WHAT IS HONG KONG FINTECH WEEK?

Quite simply, if you’re at all interested in Asian fintech, this is the event to attend. The week features a broad mix of talks, pitching sessions, demos and workshops. Interactive, insightful discussion panels will cover topics focusing on Hong Kong’s particular strengths: startup funding, IPOs, fintech in China, blockchain, artificial intelligence, cybersecurity, insurtech, regtech and wealthtech.

The week will demonstrate Hong Kong’s unique position in connecting to the fintech pulse in China. Speakers invited by China’s largest financial news provider, China Business Network ( Yicai), will bring an insider view on the latest in China’s fintech scene. Experts will also cover fintech opportunities pertaining to the China-led Belt and Road initiative. Together with other international speakers and participants, these insights make Hong Kong FinTech Week stand out from other events in the region.

And of course, it’s a great networking opportunity, bringing together fintech developers from China and the rest of the world looking to grow their business in Hong Kong. Regulators, financial institutions and service providers will host ‘office hours’ (one-on-one sessions) to guide and mentor entrepreneurs. Training workshops will offer tips on how to succeed in the fintech business, and accelerators will hold competitions for startups.

This content has been produced in association with Invest Hong Kong

你是否曾在商店裡以流動電話付款購物、在網上購買險保 ,或是持籌支 眾 企劃?

以上均是普羅大眾使用金融技科 的例子金。科融技為亦 企業廣泛使用,銀行分析大數據來評估風險便是其中一例。科金融技的生態系統範圍甚廣,涉及發技展科 的初創企業;支持企業家的孵化器、加速器及共用工作間空 ;另外還有制訂規範的監管機構有;還 使用相關務服 的公司。

目前正積躋極 身金融技頭位科龍 地的香港,不但有享 全球金融中心的地位界及世級的商業架構,與全球金融技科 普及率最高的中國內地亦有著緊密的聯繫。投由 資推廣署主辦度的年 香港金融技科 周,更進一支步持香港的金融技科 生態系。統

香港是全球最自由的經濟,體 並受惠於相關法規。在《2017年IMD世界競爭力年鑑,》中香港名列全球最具競城榜爭力 市的 首。

香港憑藉地理優勢及與國中 內地的獨特關係,成為國超中 的 級聯絡人。根據安永會計師事務所今年出版的一份報告國,中 六成九經常使用數碼科技的人口亦會使用金融技科。香港金融發業 展穩健,擁有157家銀行和600多名股票經紀,得以易世輕 與界其他地區持保 聯繫。人才濟濟,精聚英匯 ,更是全球最大的離岸人民幣貿易結算中心,使香港成為西方公司進國軍中 內地的基地。

金融技科 正在亞洲區內蓬方發展。埃森哲的數據顯示,2016年亞洲的金融技科投資額為112億美元,比2015年的52億美元增加了一倍有多。去年香港和中國內地的投資額就佔了亞洲區總額超過九成。

香港政府制定有利金融科技的法規及措施,成為推動業界發展的一大助為力。 加快發展步,伐 當局於去年允許數家銀行透過「沙計盒」 劃試行應科用新 技品的產 和服務謂;所 的「沙盒」即是開發中軟件的測試環。境 香港金融管理局正積極探索於金融業使用區塊鏈技術的可行性,藉此低險降 風 、提升透明度及效率。

私營機也構演扮 了

舉足輕重的角色。香港

金融技科 協會剛於今年

成立,這個機構集合了

致力金推動 融科技發展

的企業家,以及金融和

教育機構的投資者和

代表。領業界 袖也頻繁

籌辦聚會,保持香港在

金融技科 業的優勢。

香港金融科技周簡介

簡而言,之 如果你對亞洲融技興金 科感 趣,千萬別錯過這個活動。這個為星活期一 期的動演由講、項目競投、產品務和服 示範及工作坊等組成。集思廣益的互動研討會上,更有專題集中討論香港的獨特優勢,包括創業資助、首次開公 招股、中國的金融科、塊技區鏈、人工智能、網絡安全、保險科、技 金融監管技科,還有理財科。技

是次活動將展示香港緊貼中國金融科技業脈搏的獨位國特地 。中 最大的財經新聞機構《第一財經》將邀請講者從業內角度剖析中國融技金 科 的最新情形。其他專家也會談及與國帶中 一 一路相關的金融技科 機遇;再加上其他海外講者和與會者的真知灼見,令香港金融技科 周在區內同類活動中占獨鰲頭。

香港金融技科 周召集自國來 中 和世界各地、望希 在香港拓展業務的金融科技開發者,為界業 人士提供建立人脈的絕佳機會。監管機構、金融機構和服務供應商將會主持名「為 office hours」的一對一環,節 為企業提供指導。培訓工作坊將會分享金融技科 業務的成功心得而, 創業加速器機構更將為初創企業舉辦比賽。

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