普罗米修斯解放：什么使金融科技增长？

Core Insights - The rise of fintech has the potential to transform the financial landscape, creating new competitive financial sources for households and businesses beyond geographical limitations [4][16][52] - The report identifies various economic, demographic, technological, and institutional factors that drive the growth and diffusion of fintech across different countries [12][53] Economic Factors - Macroeconomic development plays a crucial role in creating an environment conducive to fintech growth, with higher levels of financial development correlating positively with fintech activity [15][36][53] - Inflation appears to encourage financial innovation through entrepreneurial activity and consumer adoption, although its effect is relatively small [35][53] Demographic Factors - Population growth, urbanization, and a younger demographic structure significantly contribute to the development of fintech [15][39][53] - Countries with a higher elderly dependency ratio tend to experience slower growth in fintech activities [39] Technological Factors - The availability of technological infrastructure, such as mobile phone and broadband internet subscriptions, is positively correlated with the growth of fintech [47][53] - The number of secure internet servers is identified as a critical factor for fintech development, as fintech is highly reliant on information and communication technology [47][53] Institutional and Political Factors - Institutional and political factors, measured by bureaucratic quality and government stability, facilitate fintech growth, although the extent of these effects varies by tool type and country characteristics [48][53] - Policy and structural reforms can promote financial innovation and nurture fintech enterprises, particularly by strengthening technological and institutional infrastructure and reducing cybersecurity threats [16][54] Case Study: Lithuania - Lithuania has emerged as a major hub for fintech companies, with the number of fintech firms increasing from 45 in 2013 to 276 by the end of 2023, showcasing a thriving innovation ecosystem [41][42] - The fintech transaction volume in Lithuania grew from less than 0.01% of GDP in 2015 to over 0.43% in 2020, reflecting a growth rate of 5567% [41] - Key factors for Lithuania's success include a skilled workforce in fintech-related fields, a supportive regulatory environment, and rapid digital transformation among domestic customers [42][43]