{"id":2399,"date":"2023-04-17T10:24:04","date_gmt":"2023-04-17T08:24:04","guid":{"rendered":"https:\/\/wiweb.org\/sr\/?p=2399"},"modified":"2023-05-11T12:34:18","modified_gmt":"2023-05-11T10:34:18","slug":"kako-fintekh-ispunjava-luku-finansijskog-iskljucenja-pristup-finansijskim-uslugama-za-one-bez-pristupa-bankarstvu","status":"publish","type":"post","link":"https:\/\/wiweb.org\/sr\/%d1%84%d0%b8%d0%bd%d1%82%d0%b5%d1%85\/kako-fintekh-ispunjava-luku-finansijskog-iskljucenja-pristup-finansijskim-uslugama-za-one-bez-pristupa-bankarstvu\/","title":{"rendered":"Kako Fintekh ispunjava luku finansijskog isklju\u010denja? Pristup finansijskim uslugama za one bez pristupa bankarstvu."},"content":{"rendered":"<h2 class=\"wp-block-heading\">\u0423\u0432\u043e\u0437<\/h2><p>Finansijsko uklju\u010divanje je klju\u010dni faktor za podr\u0161ku dru\u0161tvenog i ekonomskog rasta, jer omogu\u0107ava pojedincima i kompanijama da dobiju pristup neophodnim finansijskim uslugama i doprinosi globalnoj ekonomiji. Ipak, unato\u010d zna\u010dajnom napretku u posljednjih nekoliko godina, procjenjuje se da u cijelom svijetu oko 1,7 milijardi ljudi ostaje bez pristupa osnovnim finansijskim uslugama, poput \u0161tednje, zajmova, osiguranja i usluga pla\u0107anja. Ovo finansijsko isklju\u010divanje mo\u017ee odr\u017eavati siroma\u0161tvo i ograni\u010davati mogu\u0107nosti pojedinaca, posebno u razvijaju\u0107im se zemljama, gdje ve\u0107ina ljudi bez pristupa bankarstvu \u017eivi.<\/p>\u0424\u0438\u043d\u0442\u0435\u0445, \u0438\u043b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0430, \u043f\u043e\u0441\u0442\u0430\u0458\u0435 \u043c\u043e\u045b\u043d\u0430 \u0441\u0438\u043b\u0430 \u043a\u043e\u0458\u0430 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043f\u043e\u043c\u043e\u0433\u043d\u0435 \u0443 \u0438\u0441\u0442\u0440\u0430\u0436\u0438\u0432\u0430\u045a\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u0438\u0441\u043a\u0459\u0443\u0447\u0435\u043d\u043e\u0441\u0442\u0438 \u043f\u043e\u043d\u0443\u0452\u0443\u045b\u0438 \u0438\u043d\u043e\u0432\u0430\u0442\u0438\u0432\u043d\u0430, \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430 \u0438 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0459\u0438\u0432\u0430 \u0440\u0435\u0448\u0435\u045a\u0430 \u0437\u0430 \u043e\u043d\u0435 \u043a\u043e\u0458\u0438 \u043d\u0435\u043c\u0430\u0458\u0443 \u043f\u0440\u0438\u0441\u0442\u0443\u043f \u0431\u0430\u043d\u043a\u0430\u043c\u0430. \u041a\u043e\u0440\u0438\u0448\u045b\u0435\u045a\u0435\u043c \u043d\u0430\u0458\u0441\u0430\u0432\u0440\u0448\u0435\u043d\u0438\u0458\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0430, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u043c\u043e\u0431\u0438\u043b\u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u0430, \u0446\u0438\u0433\u0440\u0438\u0442\u043d\u0438 \u043d\u043e\u0432\u0447\u0430\u043d\u0438\u043a, \u043f\u0435\u0435\u0440-\u0442\u043e-\u043f\u0435\u0435\u0440 \u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u0438 \u0431\u043b\u043e\u043a\u0447\u0435\u0438\u043d, \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u0438\u043c\u0430\u0458\u0443 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b \u0434\u0430 \u0440\u0435\u0432\u043e\u043b\u0443\u0446\u0438\u043e\u043d\u0438\u0448\u0443 \u043f\u0435\u0458\u0437\u0430\u0436 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430 \u0438 \u043e\u043c\u043e\u0433\u0443\u045b\u0435 \u0431\u0435\u0437\u043f\u0440\u0435\u0434\u0441\u0435\u0434\u043d\u0438 \u043f\u0440\u0438\u0441\u0442\u0443\u043f \u043e\u043d\u0438\u043c\u0430 \u043a\u043e\u0458\u0438 \u0441\u0443 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u043e \u0431\u0438\u043b\u0438 \u0438\u0441\u043a\u0459\u0443\u0447\u0435\u043d\u0438 \u0438\u0437 \u0444\u043e\u0440\u043c\u0430\u043b\u043d\u043e\u0433 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0441\u0438\u0441\u0442\u0435\u043c\u0430.<\/p><p>Ovaj \u010dlanak \u0107e istra\u017eiti razli\u010dite faktore koji doprinose finansijskoj isklju\u010denosti, inovativne fintech re\u0161enja koja se bave ovim izazovima i ulogu vlada, regulatora i tradicionalnih finansijskih institucija u promovisanju finansijske inkluzije. Tako\u0111e \u0107emo ispitati stvarne primere uspe\u0161nosti fintech-a u akciji, kao i potencijalne ograni\u010denja i budu\u0107e mogu\u0107nosti za \u0161irenje pristupa finansijskim uslugama za nebankovnu populaciju.<\/p><p>\u041e\u0432\u0430\u0458 \u0447\u043b\u0430\u043d\u0430\u043a \u045b\u0435 \u0438\u0441\u0442\u0440\u0430\u0436\u0438\u0442\u0438 \u0440\u0430\u0437\u043b\u0438\u0447\u0438\u0442\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u0435 \u043a\u043e\u0458\u0438 \u0434\u043e\u043f\u0440\u0438\u043d\u043e\u0441\u0435 \u0438\u0441\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0430, \u0438\u043d\u043e\u0432\u0430\u0442\u0438\u0432\u043d\u0430 \u0440\u0435\u0448\u0435\u045a\u0430 \u0444\u0438\u043d\u0442\u0435\u043a\u0430 \u043a\u043e\u0458\u0430 \u0438\u043c\u0430\u0458\u0443 \u0437\u0430 \u0446\u0438\u0459 \u0440\u0435\u0448\u0430\u0432\u0430\u045a\u0435 \u043e\u0432\u0438\u0445 \u0438\u0437\u0430\u0437\u043e\u0432\u0430 \u0438 \u0443\u043b\u043e\u0433\u0443 \u0432\u043b\u0430\u0434\u0438\u043d\u0435, \u0440\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u0430 \u0438 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0430 \u0443 \u043f\u043e\u0434\u0441\u0442\u0438\u0446\u0430\u045a\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0430. \u0422\u0430\u043a\u043e\u0452\u0435 \u045b\u0435\u043c\u043e \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0430\u0442\u0438 \u0441\u0442\u0432\u0430\u0440\u043d\u0435 \u0443\u0441\u043f\u0435\u0445\u0435 \u0444\u0438\u043d\u0442\u0435\u043a\u0430 \u0443 \u043f\u0440\u0430\u043a\u0442\u0438\u0446\u0438 \u0438 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b\u043d\u0430 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u045a\u0430 \u0438 \u0431\u0443\u0434\u0443\u045b\u0435 \u043c\u043e\u0433\u0443\u045b\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u043e\u0448\u0438\u0440\u0435\u045a\u0430 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u043c \u0443\u0441\u043b\u0443\u0433\u0430\u043c\u0430 \u0437\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u043e \u0441\u0442\u0430\u043d\u043e\u0432\u043d\u0438\u0448\u0442\u0432\u043e.<\/p><h2 class=\"wp-block-heading\">Razumevanje finansijskog isklju\u010denja<\/h2><p>Isklju\u010denje finansije poga\u0111a raznovrsne grupe ljudi \u0161irom sveta, sa posebnim osvrtom na razvijaju\u0107e se zemlje i marginalizovane zajednice. Osobe bez pristupa bankarstvu su pre svega ljudi sa niskim prihodima, stanovnici seoskih podru\u010dja, \u017eene i manjine, koji \u010desto nailaze na mnogo prepreka u pristupu tradicionalnim bankarskim uslugama. Ove osobe nisu u mogu\u0107nosti da u\u010destvuju u formalnom finansijskom sistemu, \u0161to ograni\u010dava njihove \u0161anse za ekonomski razvoj, dru\u0161tvenu mobilnost i finansijsku stabilnost. Osiguranje im pristupa finansijskim uslugama je klju\u010dno za promovisanje globalnog ekonomskog razvoja i smanjenje siroma\u0161tva i nejednakosti.<\/p><p>Vi\u0161e faktora doprinosi finansijskom izuzimanju nebankovne populacije. Neki od glavnih prepreka uklju\u010duju:<\/p><p>\u041d\u0435\u043a\u043e\u043b\u0438\u043a\u043e \u0444\u0430\u043a\u0442\u043e\u0440\u0430 \u0434\u043e\u043f\u0440\u0438\u043d\u043e\u0441\u0435 \u0437\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e \u0438\u0441\u043a\u0459\u0443\u0447\u0435\u045a\u0435 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433 \u0434\u0440\u0443\u0448\u0442\u0432\u0430. \u041d\u0435\u043a\u0438 \u043e\u0434 \u0433\u043b\u0430\u0432\u043d\u0438\u0445 \u0431\u0430\u0440\u0438\u0458\u0435\u0440\u0430 \u0441\u0443:<\/p><ol class=\"wp-block-list\"><li>Udaljenost geografski: U mnogim seoskim oblastima nedostatak fizi\u010dkih filijala banaka i bankomata ote\u017eava pristup finansijskim uslugama pojedincima.<\/li><li>Visoke tro\u0161kove: Tradicionalne bankarske usluge \u010desto se vezuju za naknadama i zahtevima za minimalnim stanjem, \u0161to mo\u017ee da predstavlja prepreku za ljude sa niskim prihodima.<\/li><li>Ograni\u010deno finansijsko znanje: Nedostatak znanja o finansijskim proizvodima i uslugama mo\u017ee spre\u010diti ljude da koriste formalni finansijski sistem.<\/li><li>Rigorozni dokumentacioni zahtevi: Otvaranje ban\u010dnog ra\u010duna ili dobijanje kredita \u010desto zahteva dokumente li\u010dne identifikacije, dokaz o prihodu i kreditnu istoriju koja mnogim ljudima bez ban\u010dnog ra\u010duna nedostaje.<\/li><li>Kulturne i dru\u0161tvene barijere: Diskriminacija, rodni predrasude i jezi\u010dke barijere tako\u0111e mogu da ote\u017eaju pristup finansijskim uslugama za marginalske zajednice.<\/li><\/ol><p>\u0418\u0441\u043a\u0459\u0443\u0447\u0435\u045a\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0430 \u043c\u043e\u0436\u0435 \u0438\u043c\u0430\u0442\u0438 \u0434\u0430\u0459\u0435\u0441\u0442\u0440\u0443\u043a\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u0438\u0446\u0435 \u0438 \u0437\u0430 \u043f\u043e\u0458\u0435\u0434\u0438\u043d\u0446\u0435 \u0438 \u0437\u0430 \u0437\u0430\u0458\u0435\u0434\u043d\u0438\u0446\u0435. \u0411\u0435\u0437 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0430 \u0444\u043e\u0440\u043c\u0430\u043b\u043d\u0438\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u043c \u0443\u0441\u043b\u0443\u0433\u0430\u043c\u0430, \u043b\u0438\u0446\u0430 \u0431\u0435\u0437 \u0431\u0430\u043d\u043a\u043e\u0432\u043d\u043e\u0433 \u0440\u0430\u0447\u0443\u043d\u0430 \u0441\u0443 \u043f\u0440\u0438\u043d\u0443\u0452\u0435\u043d\u0430 \u0434\u0430 \u0441\u0435 \u043e\u0441\u043b\u0443\u0448\u043a\u0443\u0458\u0443 \u043d\u0430 \u043d\u0435\u0444\u043e\u0440\u043c\u0430\u043b\u043d\u0435, \u0447\u0435\u0441\u0442\u043e \u0434\u0440\u0430\u0433\u0435 \u0438 \u0440\u0438\u0437\u0438\u0447\u043d\u0435 \u0430\u043b\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u0435, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u043f\u043e\u0458\u043c\u043e\u0432\u043d\u0438\u043a\u0438, \u043b\u043e\u043c\u0431\u0430\u0440\u0434\u0438 \u0438 \u043d\u0435\u0444\u043e\u0440\u043c\u0430\u043b\u043d\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438 \u043a\u043b\u0443\u0431\u043e\u0432\u0438. \u041e\u0432\u0430 \u0437\u0430\u0432\u0438\u0441\u043d\u043e\u0441\u0442 \u043c\u043e\u0436\u0435 \u0434\u0430 \u0434\u043e\u0432\u0435\u0434\u0435 \u0434\u043e \u0446\u0438\u043a\u043b\u0443\u0441\u0430 \u0437\u0430\u0434\u0443\u0436\u0435\u045a\u0430 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u043d\u0435\u0441\u0442\u0430\u0431\u0438\u043b\u043d\u043e\u0441\u0442\u0438, \u0448\u0442\u043e \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0430\u0432\u0430 \u045a\u0438\u0445\u043e\u0432\u0443 \u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442 \u0434\u0430 \u0443\u043b\u0430\u0436\u0443 \u0443 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u045a\u0435, \u0437\u0434\u0440\u0430\u0432\u0441\u0442\u0432\u0435\u043d\u0443 \u0437\u0430\u0448\u0442\u0438\u0442\u0443 \u0438 \u043f\u0440\u0435\u0434\u0443\u0437\u0435\u045b\u0430. \u041e\u0441\u0438\u043c \u0442\u043e\u0433\u0430, \u0438\u0441\u043a\u0459\u0443\u0447\u0435\u045a\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0430 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043e\u0442\u0435\u0433\u043d\u0435 \u043e\u043f\u0448\u0442\u0438 \u0435\u043a\u043e\u043d\u043e\u043c\u0441\u043a\u0438 \u0440\u0430\u0437\u0432\u043e\u0458 \u0437\u0430\u0458\u0435\u0434\u043d\u0438\u0446\u0435, \u0437\u0430\u0442\u043e \u0448\u0442\u043e \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0430\u0432\u0430 \u043f\u0440\u0438\u0441\u0442\u0443\u043f \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0443 \u0438 \u0441\u043f\u0440\u0435\u0447\u0430\u0432\u0430 \u0440\u0430\u0437\u0432\u043e\u0458 \u043c\u0430\u043b\u0438\u0445 \u043f\u0440\u0435\u0434\u0443\u0437\u0435\u045b\u0430 \u0438 \u043b\u043e\u043a\u0430\u043b\u043d\u0438\u0445 \u0435\u043a\u043e\u043d\u043e\u043c\u0438\u0458\u0430.<\/p><h2 class=\"wp-block-heading\">\u0424\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0458\u0430 \u0437\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0435<\/h2><p>Fintech \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u043a\u043e\u0440\u0438\u0441\u0442\u0435 \u0438\u043d\u043e\u0432\u0430\u0442\u0438\u0432\u043d\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0435 \u0434\u0430 \u0431\u0438 \u0438\u0437\u0440\u0430\u0452\u0438\u0432\u0430\u043b\u0435 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0430 \u0438 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0430\u0447\u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0430 \u0440\u0435\u0448\u0435\u045a\u0430 \u0437\u0430 \u043b\u0443\u0452\u0435 \u0431\u0435\u0437 \u0431\u0430\u043d\u043a\u043e\u0432\u043d\u0438\u0445 \u0440\u0430\u0447\u0443\u043d\u0430. \u041e\u0432\u0430 \u0440\u0435\u0448\u0435\u045a\u0430 \u0438\u043c\u0430\u0458\u0443 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b \u0434\u0430 \u043f\u0440\u043e\u043c\u0435\u043d\u0435 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0435 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0435 \u043c\u043e\u0434\u0435\u043b\u0435 \u0438 \u0443\u0431\u0440\u0437\u0430\u0458\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e \u0438\u043d\u043a\u043b\u0443\u0437\u0438\u0458\u0443.<\/p><p><strong>\u041c\u043e\u0431\u0438\u043b\u043d\u0435 \u043f\u043b\u0430\u045b\u0430\u045a\u0430 \u0438 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438 \u043d\u043e\u0432\u0447\u0430\u043d\u0438\u043a<\/strong><\/p><p>Sa brzim rastom kori\u0161\u0107enja mobilnih telefona, posebno u zemljama u razvoju, fintech kompanije su kreirale mobilne platforme pla\u0107anja i digitalne nov\u010danike koji omogu\u0107avaju korisnicima da \u010duvaju, \u0161alju i primaju novac bez potrebe za tradicionalnim bankovnim ra\u010dunom. Ove usluge omogu\u0107avaju prakti\u010dne i sigurne transakcije, \u010dak i za ljude koji \u017eive u udaljenim podru\u010djima sa ograni\u010denim pristupom fizi\u010dkim bankarskim filijalama.<\/p><p><strong>Platforme dru\u0161tvenih pozajmica<\/strong><\/p><p>Platforme pozajamni\u010dke dru\u0161tvene zajednice povezuju direktno pozajmodavce i investitore, preska\u010du\u0107i tradicionalne finansijske posrednike, poput banaka. Koriste\u0107i alternativne izvore podataka za procenu kreditne sposobnosti, ova platforma mo\u017ee da daje pozajmice ljudima bez bankovnog ra\u010duna, koji mo\u017eda nemaju formalnu kreditnu istoriju ili garanciju. Ovaj pristup mo\u017ee zna\u010dajno smanjiti tro\u0161kove pozajmica i pobolj\u0161ati pristup kreditu za one koji su ranije bili isklju\u010deni iz formalnog finansijskog sistema.<\/p><p><strong>Platforme crowdfundinga i institucije mikrofinansiranja<\/strong><\/p><p>Platforme za crowdfinansiranje i institucije mikrofinansiranja nude alternativne opcije finansiranja za pojedince i male preduze\u0107a koja ne mogu da dobiju tradicionalne kredite. Pomo\u0107u ovih platformi, korisnici kredita mogu da dobiju manje kredite ili da dobiju sredstva od velikog broja investitora, \u010desto po ni\u017eim kamatnim stopama od tradicionalnih finansijskih institucija. Ovakav pristup kapitalu mo\u017ee omogu\u0107iti preduzetnicima da razvijaju svoje poslovanje, stvaraju nova radna mesta i podsti\u010du lokalni ekonomski rast.<\/p><p><strong>\u0423\u0441\u043b\u0443\u0433\u0435 \u043f\u0440\u0435\u043d\u043e\u0441\u0430 \u0446\u0438\u0433\u0440\u0430\u043d\u0438\u0445 \u043d\u043e\u0432\u0446\u0430<\/strong><\/p><p>Fintech kompanije olak\u0161avaju proces me\u0111unarodnog slanja i primanja nov\u010danih transfera, pru\u017eaju\u0107i vi\u0161e isplativu i efikasnu alternativu od tradicionalnih kanala nov\u010danih transfera. Ove usluge digitalnog nov\u010danog transfera omogu\u0107avaju ljudima bez bankovnog ra\u010duna da sigurno primaju sredstva iz inostranstva koja mogu da se koriste za podr\u0161ku njihovim porodicama, ulaganje u obrazovanje ili za pokretanje poslovne delatnosti.<\/p><p><strong>\u0418\u043d\u0441\u0443\u0440\u0442\u0435\u0445 \u0438 \u043c\u0438\u043a\u0440\u043e \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u045a\u0430.<\/strong><\/p><p>Insurtech kompanije koriste tehnologiju da ponude mikro osiguranja prilago\u0111ena jedinstvenim potrebama ljudi sa niskim prihodima i finansijski isklju\u010denih. Ova pristupa\u010dna i fleksibilna osiguranja mogu da pru\u017ee mre\u017eu sigurnosti protiv neo\u010dekivanih doga\u0111aja, kao \u0161to su nesre\u0107e, bolesti ili prirodne nepogode, smanjuju\u0107i finansijsku ranjivost ljudi bez banke.<\/p><p><strong>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0430 \u0431\u043b\u043e\u043a\u0447\u0435\u0438\u043d\u0430 \u0438 \u043a\u0440\u0438\u043f\u0442\u043e \u0432\u0430\u043b\u0443\u0442\u0435 <\/strong><\/p><p>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0430 \u0431\u043b\u043e\u043a\u0447\u0435\u0438\u043d\u0430 \u0438 \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u0443\u0442\u0435 \u0438\u043c\u0430\u0458\u0443 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b \u0434\u0430 \u0440\u0435\u0432\u043e\u043b\u0443\u0446\u0438\u043e\u043d\u0438\u0448\u0443 \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0458\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430 \u043f\u0440\u0443\u0436\u0430\u0458\u0443\u045b\u0438 \u0434\u0435\u0446\u0435\u043d\u0442\u0440\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u0435, \u043f\u0440\u043e\u0437\u0440\u0430\u0447\u043d\u0435 \u0438 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0435 \u0437\u0430 \u043f\u0440\u043e\u0432\u043e\u0452\u0435\u045a\u0435 \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0458\u0430. \u041e\u0432\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0435 \u043c\u043e\u0433\u0443 \u043e\u043c\u043e\u0433\u0443\u045b\u0438\u0442\u0438 \u043b\u0438\u0446\u0438\u043c\u0430 \u0431\u0435\u0437 \u0431\u0430\u043d\u043a\u043e\u0432\u043d\u043e\u0433 \u0440\u0430\u0447\u0443\u043d\u0430 \u0434\u0430 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u043c \u0443\u0441\u043b\u0443\u0433\u0430\u043c\u0430 \u0431\u0435\u0437 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438\u0445 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430, \u0441\u043c\u0430\u045a\u0443\u0458\u0443\u045b\u0438 \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u043e\u043d\u0435 \u0442\u0440\u043e\u0448\u043a\u043e\u0432\u0435 \u0438 \u043f\u043e\u0432\u0435\u045b\u0430\u0432\u0430\u0458\u0443\u045b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e \u0443\u043a\u0459\u0443\u0447\u0435\u045a\u0435. \u041c\u0435\u0452\u0443\u0442\u0438\u043c, \u0448\u0438\u0440\u043e\u043a\u043e \u043f\u0440\u0438\u0445\u0432\u0430\u0442\u0430\u045a\u0435 \u0438 \u0440\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u043d\u0430 \u043f\u0440\u0438\u0445\u0432\u0430\u0442\u0459\u0438\u0432\u043e\u0441\u0442 \u043e\u0432\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0430 \u0458\u043e\u0448 \u0443\u0432\u0435\u043a \u0441\u0443 \u0443 \u0440\u0430\u043d\u0438\u043c \u0444\u0430\u0437\u0430\u043c\u0430.<\/p><h2 class=\"wp-block-heading\">\u0420\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u0441\u043a\u0438 \u043f\u0435\u0458\u0437\u0430\u0436 \u0438 \u0430\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u0458\u0430 \u0424\u0438\u043d\u0442\u0435\u0445-\u0430<\/h2><p>\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0458\u0430 \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430 \u0443 \u0433\u043b\u0430\u0432\u043d\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438 \u0435\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c \u0437\u0430\u0445\u0442\u0435\u0432\u0430 \u043f\u043e\u0434\u0440\u0448\u043a\u0443 \u0438 \u0441\u0430\u0440\u0430\u0434\u045a\u0443 \u0432\u043b\u0430\u0434\u0438\u043d\u0438\u0445 \u0432\u043b\u0430\u0441\u0442\u0438, \u0440\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u0430 \u0438 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0430. \u0415\u0444\u0438\u043a\u0430\u0441\u043d\u0435 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0435 \u0438 \u0437\u0430\u043a\u043e\u043d\u0438 \u0438\u0433\u0440\u0430\u0458\u0443 \u043a\u0459\u0443\u0447\u043d\u0443 \u0443\u043b\u043e\u0433\u0443 \u0443 \u043f\u0440\u043e\u043c\u043e\u0446\u0438\u0458\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0435\u045a\u0430, \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u0432\u0430\u045a\u0443 \u0437\u0430\u0448\u0442\u0438\u0442\u0435 \u043f\u043e\u0442\u0440\u043e\u0448\u0430\u0447\u0430 \u0438 \u043e\u0434\u0440\u0436\u0430\u0432\u0430\u045a\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u0441\u0442\u0430\u0431\u0438\u043b\u043d\u043e\u0441\u0442\u0438.<\/p><p><strong>Uloga vlade i regulatorne organizacije u promovisanju finansijske inkluzije.<\/strong><\/p><p>Vlade i regulatorne organe mogu da olak\u0161aju prihvatanje finteh re\u0161enja i stvoriti povoljno okru\u017eenje za finansijsko uklju\u010divanje kroz razne mere.<\/p><ol class=\"wp-block-list\"><li>\u0420\u0430\u0437\u0432\u043e\u0458 \u0440\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u043d\u0438\u0445 \u043e\u043a\u0432\u0438\u0440\u0430: \u0412\u043b\u0430\u0441\u0442\u0438 \u043c\u043e\u0433\u0443 \u0434\u0430 \u043e\u0441\u043d\u043e\u0432\u0430\u0458\u0443 \u043f\u0435\u0441\u0430\u043a \u0437\u0430 \u0440\u0435\u0433\u0443\u043b\u0430\u0446\u0438\u0458\u0443 \u0438\u043b\u0438 \u0446\u0435\u043d\u0442\u0440\u0435 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0430, \u0434\u043e\u0437\u0432\u043e\u0459\u0430\u0432\u0430\u0458\u0443\u045b\u0438 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0430\u043c\u0430 \u0434\u0430 \u0442\u0435\u0441\u0442\u0438\u0440\u0430\u0458\u0443 \u0441\u0432\u043e\u0458\u0435 \u043f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u0435 \u0438 \u0443\u0441\u043b\u0443\u0433\u0435 \u0443 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0438\u0441\u0430\u043d\u043e\u043c \u043e\u043a\u0440\u0443\u0436\u0435\u045a\u0443 \u043f\u0440\u0435 \u043f\u0443\u043d\u0435 \u0438\u043c\u043f\u043b\u0435\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u0458\u0435.<\/li><li>\u041f\u0440\u0438\u043c\u0435\u043d\u0430 \u0430\u043a\u0446\u0438\u0458\u0430 \u0437\u0430 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u0458\u0443: \u041f\u043e\u043b\u0438\u0442\u0438\u043a\u0435 \u043a\u043e\u0458\u0435 \u043f\u043e\u0434\u0440\u0436\u0430\u0432\u0430\u0458\u0443 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u0458\u0443 \u0443 \u0441\u0435\u043a\u0442\u043e\u0440\u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430 \u043c\u043e\u0433\u0443 \u0434\u0430 \u043f\u043e\u0434\u0441\u0442\u0438\u0446\u0430\u0458\u0443 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0435 \u0438 \u0434\u0430 \u043a\u0440\u0435\u0438\u0440\u0430\u0458\u0443 \u0432\u0438\u0448\u0435 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0430\u0447\u043d\u0438\u0445 \u0438 \u043f\u0440\u0438\u0441\u0442\u0443\u043f\u0459\u0438\u0432\u0438\u0445 \u043e\u043f\u0446\u0438\u0458\u0430 \u0437\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u043e \u0441\u0442\u0430\u043d\u043e\u0432\u043d\u0438\u0448\u0442\u0432\u043e.<\/li><li>\u041f\u043e\u0434\u0440\u0448\u043a\u0430 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0435 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0435: \u0412\u043b\u0430\u0434\u0435 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0443\u043b\u043e\u0436\u0435 \u0443 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0443 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u0431\u0440\u0437\u0438 \u0438\u043d\u0442\u0435\u0440\u043d\u0435\u0442 \u0438 \u043c\u043e\u0431\u0438\u043b\u043d\u0435 \u043c\u0440\u0435\u0436\u0435, \u0434\u0430 \u0431\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u043b\u0435 \u0434\u0430 \u0441\u0435 \u0444\u0438\u043d\u0442\u0435\u0445 \u0443\u0441\u043b\u0443\u0433\u0435 \u0434\u043e\u0441\u0442\u0430\u0432\u0435 \u0434\u043e \u0443\u0434\u0430\u0459\u0435\u043d\u0438\u0445 \u0438 \u043d\u0435\u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0438\u0445 \u043f\u043e\u0434\u0440\u0443\u0447\u0458\u0430.<\/li><li>Ja\u010danje finansijskog znanja: Vlasti mogu podr\u017eati obrazovne inicijative iz oblasti finansija kako bi pomogle nebankarskim entitetima da donose informisane odluke prilikom kori\u0161\u0107enja usluga fintecha.<\/li><\/ol><p><strong>\u0411\u0430\u043b\u0430\u043d\u0441\u0438\u0440\u0430\u045a\u0435 \u0438\u0437\u043c\u0435\u0452\u0443 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0435 \u0438 \u0437\u0430\u0448\u0442\u0438\u0442\u0435 \u043f\u043e\u0442\u0440\u043e\u0448\u0430\u0447\u0430.<\/strong><\/p><p>Regulatori moraju da na\u0111u balans izme\u0111u podr\u0161ke inovacijama i za\u0161tite potro\u0161a\u010da. Kori\u0161\u0107enjem regulatornih re\u0161enja baziranih na riziku, mogu da adresiraju potencijalne probleme vezane za privatnost podataka, bezbednost u cyber prostoru i prevenciju pranja novca, ne blokiraju\u0107i istovremeno inovacije u finansijskom sektoru. Jasni smernice i standardi mogu tako\u0111e da pomognu u izgradnji poverenja izme\u0111u potro\u0161a\u010da, fintech kompanija i tradicionalnih finansijskih institucija.<\/p><p><strong>Saradnja izme\u0111u finteh kompanija i tradicionalnih finansijskih institucija.<\/strong><\/p><p>\u041a\u0430\u043e \u0448\u0442\u043e \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430 \u043f\u043e\u0441\u0442\u0430\u0458\u0443 \u0441\u0432\u0435 \u043f\u043e\u043f\u0443\u043b\u0430\u0440\u043d\u0438\u0458\u0430, \u0441\u0430\u0440\u0430\u0434\u045a\u0430 \u0438\u0437\u043c\u0435\u0452\u0443 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0430 \u0438 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0430 \u043c\u043e\u0436\u0435 \u0431\u0438\u0442\u0438 \u043a\u043e\u0440\u0438\u0441\u043d\u0430 \u0437\u0430 \u043e\u0431\u0435 \u0441\u0442\u0440\u0430\u043d\u0435. \u0424\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0438\u0441\u043a\u043e\u0440\u0438\u0441\u0442\u0435 \u043f\u043e\u0441\u0442\u043e\u0458\u0435\u045b\u0443 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443 \u0438 \u0431\u0430\u0437\u0443 \u043a\u043b\u0438\u0458\u0435\u043d\u0430\u0442\u0430 \u0432\u0435\u045b \u043f\u043e\u0441\u0442\u043e\u0458\u0435\u045b\u0438\u0445 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0430, \u0434\u043e\u043a \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438 \u0431\u0430\u043d\u043a\u0435 \u043c\u043e\u0433\u0443 \u0434\u0430 \u043f\u0440\u0438\u043c\u0430\u0458\u0443 \u0438\u043d\u043e\u0432\u0430\u0442\u0438\u0432\u043d\u0435 \u0443\u0441\u043b\u0443\u0433\u0435 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0434\u0430 \u043f\u0440\u043e\u0448\u0438\u0440\u0435 \u0441\u0432\u043e\u0458\u0443 \u043f\u043e\u043d\u0443\u0434\u0443 \u0438 \u0434\u043e\u0452\u0435 \u0434\u043e \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0435 \u043f\u043e\u043f\u0443\u043b\u0430\u0446\u0438\u0458\u0435. \u0421\u0442\u0440\u0430\u0442\u0435\u0448\u043a\u0430 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 \u0438 \u0441\u043e\u0458\u0443\u0437\u0438 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0434\u043e\u0432\u0435\u0434\u0443 \u0434\u043e \u0440\u0430\u0437\u0432\u043e\u0458\u0430 \u0445\u0438\u0431\u0440\u0438\u0434\u043d\u0438\u0445 \u043c\u043e\u0434\u0435\u043b\u0430 \u043a\u043e\u0458\u0438 \u043a\u043e\u043c\u0431\u0438\u043d\u0443\u0458\u0443 \u043f\u0440\u0435\u0434\u043d\u043e\u0441\u0442\u0438 \u0438 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0438 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0435 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u0430, \u0448\u0442\u043e \u043d\u0430 \u043a\u0440\u0430\u0458\u0443 \u0438\u0437\u043b\u0430\u0437\u0438 \u0443 \u043f\u0440\u043e\u0448\u0438\u0440\u0435\u043d\u043e\u0458 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0458 \u0438\u043d\u043a\u043b\u0443\u0437\u0438\u0458\u0438.<\/p><h2 class=\"wp-block-heading\">\u041f\u0440\u0438\u0447\u0435 \u043e \u0443\u0441\u043f\u0435\u0445\u0443: \u0424\u0438\u043d\u0442\u0435\u0445 \u0443 \u0430\u043a\u0446\u0438\u0458\u0438<\/h2><p>\u0423\u0442\u0438\u0446\u0430\u0458 \u0444\u0438\u043d\u0442\u0435\u0445-\u0430 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0435 \u0432\u0435\u045b \u0458\u0435 \u0432\u0438\u0434\u0459\u0438\u0432 \u0443 \u0431\u0440\u043e\u0458\u043d\u0438\u043c \u0443\u0441\u043f\u0435\u0445\u0438\u043c\u0430 \u0441\u0430 \u0446\u0435\u043b\u043e\u0433 \u0441\u0432\u0435\u0442\u0430. \u041e\u0432\u0438 \u043f\u0440\u0438\u043c\u0435\u0440\u0438 \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u0430\u0458\u0443 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0444\u0438\u043d\u0442\u0435\u0445-\u0430 \u0443 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0441\u0443\u043f\u0440\u043e\u0442\u0441\u0442\u0430\u0432\u0459\u0430\u045a\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u043c \u0438\u0441\u043a\u0459\u0443\u0447\u0435\u045a\u0443 \u0438 \u043f\u043e\u0431\u043e\u0459\u0448\u0430\u045a\u0430 \u0436\u0438\u0432\u043e\u0442\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0435 \u043f\u043e\u043f\u0443\u043b\u0430\u0446\u0438\u0458\u0435.<\/p><p><strong>M-Pesa: Revolucionisanje finansijskih usluga u Africi<\/strong><\/p><p>Mobilna usluga pla\u0107anja pokrenuta u Keniji 2007. godine, postala je pionirski primer kako fintech mo\u017ee da revolucioni\u0161e finansijske usluge u zemljama u razvoju. Zahvaljuju\u0107i M-Pesi, korisnici mogu da \u0161alju, primaju i \u010duvaju novac pomo\u0107u svojih mobilnih telefona, \u0161to predstavlja dostupno i sigurno alternativno re\u0161enje u odnosu na tradicionalne banke. Usluga se pro\u0161irila na nekoliko drugih afri\u010dkih zemalja i trenutno obra\u0111uje milione klijenata, mnogi od kojih su bili ranije nebankovni.<\/p><p><strong>\u0422\u0430\u043b\u0430 \u0438 \u0411\u0440\u0430\u043d\u0447: \u043a\u043e\u0440\u0438\u0448\u045b\u0435\u045a\u0435 \u0430\u043b\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u0438\u0445 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430 \u0437\u0430 \u0440\u0430\u0447\u0443\u043d\u0430\u045a\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433 \u0440\u0435\u0458\u0442\u0438\u043d\u0433\u0430 <\/strong><\/p><p>\u0422\u0430\u043b\u0430 \u0438 \u0411\u0440\u0430\u043d\u0447 \u0441\u0443 \u0434\u0432\u0430 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u043a\u043e\u0458\u0435 \u043a\u043e\u0440\u0438\u0441\u0442\u0435 \u0430\u043b\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u0435 \u0438\u0437\u0432\u043e\u0440\u0435 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u043f\u0430\u0442\u0435\u0440\u043d\u0438 \u043a\u043e\u0440\u0438\u0448\u045b\u0435\u045a\u0430 \u043c\u043e\u0431\u0438\u043b\u043d\u0438\u0445 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430 \u0438 \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442 \u0443 \u0434\u0440\u0443\u0448\u0442\u0432\u0435\u043d\u0438\u043c \u043c\u0435\u0434\u0438\u0458\u0438\u043c\u0430, \u0434\u0430 \u0431\u0438 \u043e\u0446\u0435\u043d\u0438\u043b\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443 \u043f\u0440\u043e\u0446\u0435\u043d\u0443 \u043f\u043e\u0442\u0440\u043e\u0448\u0430\u0447\u0430 \u043a\u043e\u0458\u0438 \u043d\u0435\u043c\u0430\u0458\u0443 \u0444\u043e\u0440\u043c\u0430\u043b\u043d\u0443 \u0438\u0441\u0442\u043e\u0440\u0438\u0458\u0443 \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u041a\u0440\u043e\u0437 \u0434\u043e\u0434\u0435\u0459\u0438\u0432\u0430\u045a\u0435 \u043c\u0438\u043a\u0440\u043e\u043f\u043e\u0448\u0442\u0430\u0440\u0430 \u043f\u0443\u0442\u0435\u043c \u0441\u0432\u043e\u0458\u0438\u0445 \u043c\u043e\u0431\u0438\u043b\u043d\u0438\u0445 \u0430\u043f\u043b\u0438\u043a\u0430\u0446\u0438\u0458\u0430, \u043e\u0432\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0434\u043e\u0434\u0435\u043b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438\u043c \u043e\u0441\u043e\u0431\u0430\u043c\u0430 \u0443 \u0440\u0430\u0437\u0432\u043e\u0458\u043d\u0438\u043c \u0437\u0435\u043c\u0459\u0430\u043c\u0430, \u043f\u043e\u043c\u0430\u0436\u0443\u045b\u0438 \u0438\u043c \u0443 \u0438\u0437\u0433\u0440\u0430\u0434\u045a\u0438 \u0438\u0441\u0442\u043e\u0440\u0438\u0458\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0438 \u0434\u043e\u0431\u0438\u0458\u0430\u045a\u0443 \u043d\u0435\u043e\u043f\u0445\u043e\u0434\u043d\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430.<\/p><p><strong>\u0413\u0440\u0430\u043c\u0435\u043d \u0431\u0430\u043d\u043a\u0430: \u043c\u0438\u043a\u0440\u043e\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u0430\u045a\u0435 \u0437\u0430 \u0441\u0435\u043b\u0441\u043a\u0435 \u043f\u0440\u0435\u0434\u0443\u0437\u0435\u045b\u0435.<\/strong><\/p><p>\u0413\u0440\u0430\u043c\u0435\u043d \u0431\u0430\u043d\u043a\u0430, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u0430 \u0443 \u0411\u0430\u043d\u0433\u043b\u0430\u0434\u0435\u0448\u0443 1983. \u0433\u043e\u0434\u0438\u043d\u0435, \u0458\u0435 \u043f\u0440\u0435\u0434\u0445\u043e\u0434\u043d\u0438\u0446\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0430 \u043a\u0430\u043a\u043e \u043c\u0438\u043a\u0440\u043e\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0435 \u043c\u043e\u0433\u0443 \u0434\u0430 \u043e\u043c\u043e\u0433\u0443\u045b\u0435 \u043b\u0438\u0446\u0438\u043c\u0430 \u0431\u0435\u0437 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u043f\u043e\u0434\u0440\u0448\u043a\u0435 \u0434\u0430 \u043f\u043e\u0441\u0442\u0438\u0433\u043d\u0443 \u043d\u0435\u0437\u0430\u0432\u0438\u0441\u043d\u043e\u0441\u0442. \u0411\u0430\u043d\u043a\u0430 \u0434\u0430\u0458\u0435 \u043c\u0430\u043b\u0435 \u0437\u0430\u0445\u0442\u0435\u0432\u0435 \u0437\u0430 \u043f\u043e\u0458\u0430\u043c \u043d\u0430 \u0441\u0435\u043b\u0441\u043a\u0438\u043c \u043f\u0440\u0435\u0434\u0443\u0437\u0435\u045b\u0438\u043c\u0430, \u043f\u043e\u0441\u0435\u0431\u043d\u043e \u0436\u0435\u043d\u0430\u043c\u0430, \u043e\u043c\u043e\u0433\u0443\u045b\u0430\u0432\u0430\u0458\u0443\u045b\u0438 \u0438\u043c \u0434\u0430 \u043f\u043e\u043a\u0440\u0435\u043d\u0443 \u0438\u043b\u0438 \u0440\u0430\u0437\u0432\u0438\u0458\u0443 \u0431\u0438\u0437\u043d\u0438\u0441 \u0438 \u0434\u0430 \u0438\u0437\u0430\u0452\u0443 \u0438\u0437 \u0441\u0438\u0440\u043e\u043c\u0430\u0448\u0442\u0432\u0430. \u0418\u043d\u043e\u0432\u0430\u0442\u0438\u0432\u043d\u0438 \u043c\u043e\u0434\u0435\u043b \u0433\u0440\u0443\u043f\u043d\u0438\u0445 \u0437\u0430\u0445\u0442\u0435\u0432\u0430 \u0413\u0440\u0430\u043c\u0435\u043d \u0431\u0430\u043d\u043a\u0435, \u0437\u0430\u0441\u043d\u043e\u0432\u0430\u043d \u043d\u0430 \u0443\u0437\u0430\u0458\u0430\u043c\u043d\u043e\u0458 \u043f\u043e\u0434\u0440\u0448\u0446\u0438 \u0438 \u0434\u0440\u0443\u0448\u0442\u0432\u0435\u043d\u043e\u0458 \u043e\u0434\u0433\u043e\u0432\u043e\u0440\u043d\u043e\u0441\u0442\u0438, \u043f\u0440\u0435\u043d\u043e\u0441\u0438 \u0441\u0435 \u043d\u0430 \u0431\u0440\u043e\u0458\u043d\u0435 \u043c\u0438\u043a\u0440\u043e\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0435 \u0448\u0438\u0440\u043e\u043c \u0441\u0432\u0435\u0442\u0430.<\/p><p><strong>WorldRemit: \u041e\u043b\u0430\u043a\u0448\u0430\u0432\u0430\u045a\u0435 \u043c\u0435\u0452\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u0438\u0445 \u043d\u043e\u0432\u0447\u0430\u043d\u0438\u0445 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440\u0430 <\/strong><\/p><p>WorldRemit je platforma digitalnih nov\u010danih transfera koja korisnicima omogu\u0107ava brze, sigurno i ekonomski isplativo slanje novca iz inostranstva. Sa ni\u017eim tro\u0161kovima i pristupa\u010dnijim ta\u010dkama pristupa od tradicionalnih servisa za prenos novca, WorldRemit je olak\u0161ao nebankarskim osobama da primaju sredstva iz inostranstva, \u0161to podr\u017eava ekonomski razvoj i finansijsko uklju\u010divanje u njihovim mati\u010dnim zemljama.<\/p><h2 class=\"wp-block-heading\">Izazovi i ograni\u010denja fintecha u oblasti finansijskog uklju\u010divanja.<\/h2><p>Dok god fin-tehnologija ima potencijal zna\u010dajnog napretka u oblasti finansijskog uklju\u010divanja, tako\u0111e se suo\u010dava sa nizom izazova i ograni\u010denja koja moraju biti razre\u0161ena da bi se postiglo njegovo \u0161iroko prihvatanje i pozitivan uticaj na bankarski isklju\u010dene ljude.<\/p><p><strong>\u0418\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043d\u0430 \u0438 \u0432\u0435\u0437\u0430\u043d\u043e\u0441\u0442 \u043f\u0438\u0442\u0430\u045a\u0430.<\/strong><\/p><p>\u0415\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442 \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430 \u0441\u0435 \u0437\u0430\u0441\u043d\u0438\u0432\u0430 \u0432\u0435\u043e\u043c\u0430 \u043d\u0430 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u0435\u0434\u0443\u0437\u0435\u0442\u043d\u0435 \u0446\u0438\u0433\u0440\u0430\u043d\u0435 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0435, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u043f\u0440\u0438\u0441\u0442\u0443\u043f \u0438\u043d\u0442\u0435\u0440\u043d\u0435\u0442\u0443 \u0438 \u043c\u043e\u0431\u0438\u043b\u043d\u0438\u043c \u043c\u0440\u0435\u0436\u0430\u043c\u0430. \u0423 \u043c\u043d\u043e\u0433\u0438\u043c \u0440\u0430\u0437\u0432\u043e\u0458\u043d\u0438\u043c \u0437\u0435\u043c\u0459\u0430\u043c\u0430, \u043f\u043e\u0441\u0435\u0431\u043d\u043e \u043d\u0430 \u0441\u0435\u043b\u0441\u043a\u0438\u043c \u043f\u043e\u0434\u0440\u0443\u0447\u0458\u0438\u043c\u0430, \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0438 \u0441\u0430 \u043a\u043e\u043c\u0443\u043d\u0438\u043a\u0430\u0446\u0438\u0458\u0430\u043c\u0430 \u043c\u043e\u0433\u0443 \u043e\u0442\u0435\u045b\u0438 \u043f\u0440\u0438\u0445\u0432\u0430\u0442\u0430\u045a\u0435 \u0438 \u043a\u043e\u0440\u0438\u0448\u045b\u0435\u045a\u0435 \u0444\u0438\u043d\u0442\u0435\u0445 \u0443\u0441\u043b\u0443\u0433\u0430. \u0414\u0440\u0436\u0430\u0432\u0435 \u0438 \u043f\u0440\u0438\u0432\u0430\u0442\u043d\u0438 \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u0430\u043d\u0442\u0438 \u043c\u043e\u0440\u0430\u0458\u0443 \u0434\u0430 \u0443\u043b\u043e\u0436\u0435 \u0443 \u043f\u043e\u0431\u043e\u0459\u0448\u0430\u045a\u0435 \u0446\u0438\u0433\u0440\u0430\u043d\u0435 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0435 \u0434\u0430 \u0431\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0430\u043b\u0438 \u0434\u0430 \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430 \u043c\u043e\u0433\u0443 \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0443\u0442\u0438 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0443 \u043f\u043e\u043f\u0443\u043b\u0430\u0446\u0438\u0458\u0443.<\/p><p><strong>\u0426\u0438\u0444\u0440\u043d\u0435 \u0432\u0435\u0448\u0442\u0438\u043d\u0435 \u0438 \u043f\u0440\u0438\u043b\u0430\u0433\u043e\u0452\u0430\u0432\u0430\u045a\u0435 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u043a\u0430.<\/strong><\/p><p>\u0414\u0430 \u0431\u0438 \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430 \u0431\u0438\u043b\u0430 \u0435\u0444\u0438\u043a\u0430\u0441\u043d\u0430, \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u0446\u0438 \u043c\u043e\u0440\u0430\u0458\u0443 \u0434\u0430 \u0438\u043c\u0430\u0458\u0443 \u043e\u0434\u0433\u043e\u0432\u0430\u0440\u0430\u0458\u0443\u045b\u0430 \u0437\u043d\u0430\u045a\u0430 \u0438\u0437 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0445 \u0432\u0435\u0448\u0442\u0438\u043d\u0430 \u0434\u0430 \u0431\u0438 \u043c\u043e\u0433\u043b\u0438 \u0434\u0430 \u0441\u0435 \u043a\u0440\u0435\u045b\u0443 \u0438 \u043a\u043e\u0440\u0438\u0441\u0442\u0435 \u0442\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430. \u041e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043e \u0437\u043d\u0430\u045a\u0435 \u0438\u0437 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0445 \u0432\u0435\u0448\u0442\u0438\u043d\u0430 \u043c\u043e\u0436\u0435 \u0434\u0430 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0459\u0430 \u0431\u0430\u0440\u0438\u0458\u0435\u0440\u0443 \u0437\u0430 \u0430\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u0458\u0443 \u0444\u0438\u043d\u0442\u0435\u0445\u0430, \u0458\u0435\u0440 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u0446\u0438 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0431\u0443\u0434\u0443 \u043d\u0435\u0441\u043a\u043b\u043e\u043d\u043d\u0438 \u0434\u0430 \u043a\u043e\u0440\u0438\u0441\u0442\u0435 \u043d\u0435\u043f\u043e\u0437\u043d\u0430\u0442\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0435 \u0438\u043b\u0438 \u0434\u0430 \u0438\u043c \u043d\u0435\u0434\u043e\u0441\u0442\u0430\u0458\u0435 \u0441\u0438\u0433\u0443\u0440\u043d\u043e\u0441\u0442\u0438 \u0443 \u0446\u0438\u0444\u0440\u043e\u0432\u043d\u043e\u043c \u0443\u043f\u0440\u0430\u0432\u0459\u0430\u045a\u0443 \u0441\u0432\u043e\u0458\u0438\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0430\u043c\u0430. \u0424\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0430 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u045a\u0430 \u0438 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u045a\u0430 \u043e \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u043c \u0432\u0435\u0448\u0442\u0438\u043d\u0430\u043c\u0430 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0438\u0433\u0440\u0430\u0458\u0443 \u043a\u0459\u0443\u0447\u043d\u0443 \u0443\u043b\u043e\u0433\u0443 \u0443 \u043f\u0440\u0435\u043a\u043e\u0446\u0430\u045a\u0443 \u043e\u0432\u0435 \u0438\u0437\u0430\u0437\u043e\u0432\u0435.<\/p><p><strong>\u041f\u0438\u0442\u0430\u045a\u0430 \u043f\u0440\u0438\u0432\u0430\u0442\u043d\u043e\u0441\u0442\u0438 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430 \u0438 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u043e\u0441\u0442\u0438 \u0446\u0438\u0431\u0435\u0440\u043d\u0435\u0442\u0438\u043a\u0435<\/strong><\/p><p>\u0417\u0431\u043e\u0433 \u0442\u043e\u0433\u0430 \u0448\u0442\u043e \u0444\u0438\u043d\u0442\u0435\u0445 \u0443\u0441\u043b\u0443\u0433\u0435 \u0447\u0435\u0441\u0442\u043e \u0437\u0430\u0441\u043d\u0438\u0432\u0430\u0458\u0443 \u043d\u0430 \u0441\u0430\u043a\u0443\u043f\u0459\u0430\u045a\u0443 \u0438 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0430\u045a\u0443 \u043e\u0433\u0440\u043e\u043c\u043d\u0438\u0445 \u043a\u043e\u043b\u0438\u0447\u0438\u043d\u0430 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u043a\u0430, \u043c\u043e\u0433\u0443 \u0441\u0435 \u043f\u043e\u0458\u0430\u0432\u0438\u0442\u0438 \u0437\u0430\u0431\u0440\u0438\u043d\u0435 \u043e \u043f\u0440\u0438\u0432\u0430\u0442\u043d\u043e\u0441\u0442\u0438 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430 \u0438 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u043e\u0441\u0442\u0438 \u043a\u0438\u0431\u0435\u0440\u043d\u0435\u0442\u0438\u043a\u0435. \u041e\u0431\u0435\u0437\u0431\u0435\u0452\u0438\u0432\u0430\u045a\u0435 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u043e\u0441\u0442\u0438 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u043a\u0430 \u0438 \u043e\u0434\u0440\u0436\u0430\u0432\u0430\u045a\u0435 \u045a\u0438\u0445\u043e\u0432\u043e\u0433 \u043f\u043e\u0432\u0435\u0440\u0435\u045a\u0430 \u0441\u0443 \u043a\u0459\u0443\u0447\u043d\u0438 \u0437\u0430 \u0434\u0443\u0433\u043e\u0440\u043e\u0447\u043d\u0438 \u0443\u0441\u043f\u0435\u0445 \u0444\u0438\u043d\u0442\u0435\u0445 \u0440\u0435\u0448\u0435\u045a\u0430. \u0420\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u0438 \u043c\u043e\u0440\u0430\u0458\u0443 \u0443\u043d\u0435\u0442\u0438 \u0447\u0432\u0440\u0441\u0442\u0435 \u043e\u043a\u0432\u0438\u0440\u0435 \u0437\u0430\u0448\u0442\u0438\u0442\u0435 \u043f\u043e\u0434\u0430\u0442\u0430\u043a\u0430, \u0430 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0435 \u043c\u043e\u0440\u0430\u0458\u0443 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0430\u0442\u0438 \u0443 \u043d\u0430\u043f\u0440\u0435\u0434\u043d\u0435 \u043c\u0435\u0440\u0435 \u0431\u0435\u0437\u0431\u0435\u0434\u043d\u043e\u0441\u0442\u0438 \u0434\u0430 \u0431\u0438 \u0437\u0430\u0448\u0442\u0438\u0442\u0438\u043b\u0435 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0458\u0435 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u043a\u0430.<\/p><p><strong>\u0420\u0438\u0437\u0438\u043a \u043f\u0440\u0435\u0432\u0438\u0448\u0435\u043d\u043e\u0433 \u0437\u0430\u0434\u0443\u0436\u0438\u0432\u0430\u045a\u0430.<\/strong><\/p><p>Dok god platforme fintech mogu da pobolj\u0161aju pristup kreditima za neban\u010danu populaciju, postoji i rizik od prekomjernog zadu\u017eivanja ako se kredit daje bez odgovaraju\u0107e procjene kreditne sposobnosti pozajmljiva\u010da. Odgovorne pozajmice prakse, uklju\u010duju\u0107i transparentne uvjete i procese solidne kreditne procjene, su neophodne za smanjenje rizika od prekomjernog zadu\u017eivanja i za\u0161titu potro\u0161a\u010da od finansijskih \u0161teta.<\/p><h2 class=\"wp-block-heading\">\u0411\u0443\u0434\u0443\u045b\u043d\u043e\u0441\u0442 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0430.<\/h2><p>Kako \u0107e se sektor fintecha nastaviti da se razvija, nove tehnologije i inovacije imaju potencijal da dalje pro\u0161ire pru\u017eanje finansijskih usluga neban\u010dkoj populaciji. Gledaju\u0107i u budu\u0107nost, o\u010dekuje se da \u0107e nekoliko klju\u010dnih trendova i razvoja uticati na budu\u0107nost fintecha i finansijske inkluzije.<\/p><p><strong>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0448\u043a\u0438 \u043d\u0430\u043f\u0440\u0435\u0434\u0430\u043a \u0438 \u045a\u0435\u0433\u043e\u0432\u0438 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b\u043d\u0438 \u0434\u043e\u043f\u0440\u0438\u043d\u043e\u0441.<\/strong><\/p><p>\u041d\u043e\u0432\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0435, \u043a\u0430\u043e \u0448\u0442\u043e \u0441\u0443 \u0432\u0435\u0448\u0442\u0430\u0447\u043a\u0430 \u0438\u043d\u0442\u0435\u043b\u0438\u0433\u0435\u043d\u0446\u0438\u0458\u0430, \u043c\u0430\u0448\u0438\u043d\u0441\u043a\u043e \u0443\u0447\u0435\u045a\u0435 \u0438 \u0418\u043d\u0442\u0435\u0440\u043d\u0435\u0442 \u043e\u0434 \u0441\u0442\u0432\u0430\u0440\u0438 (IoT), \u0438\u043c\u0430\u0458\u0443 \u0432\u0435\u043b\u0438\u043a\u0438 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0458\u0430\u043b \u0437\u0430 \u043f\u043e\u0431\u043e\u0459\u0448\u0430\u045a\u0435 \u0435\u0444\u0438\u043a\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433\u0430. \u041e\u0432\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0458\u0435 \u043c\u043e\u0433\u0443 \u043e\u043c\u043e\u0433\u0443\u045b\u0438\u0442\u0438 \u0431\u043e\u0459\u0435 \u043c\u043e\u0434\u0435\u043b\u0435 \u043e\u0446\u0435\u045a\u0438\u0432\u0430\u045a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u043f\u0440\u0438\u043b\u0430\u0433\u043e\u0452\u0435\u043d\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0435 \u043f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u0435 \u0438 \u043e\u0446\u0435\u045a\u0438\u0432\u0430\u045a\u0435 \u0440\u0438\u0437\u0438\u043a\u0430 \u0443 \u0440\u0435\u0430\u043b\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0443, \u043e\u043c\u043e\u0433\u0443\u045b\u0430\u0432\u0430\u0458\u0443\u045b\u0438 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0430\u043c\u0430 \u0434\u0430 \u0431\u043e\u0459\u0435 \u043e\u0431\u0435\u0437\u0431\u0435\u0434\u0435 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0443 \u043f\u043e\u043f\u0443\u043b\u0430\u0446\u0438\u0458\u0443.<\/p><p><strong>\u0408\u0430\u0432\u043d\u043e-\u043f\u0440\u0438\u0432\u0430\u0442\u043d\u0430 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 \u0438 \u045a\u0438\u0445\u043e\u0432\u0430 \u0443\u043b\u043e\u0433\u0430 \u0443 \u043f\u0440\u043e\u043c\u043e\u0432\u0438\u0446\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0430.<\/strong><\/p><p>Zajedni\u010dko delovanje izme\u0111u javnog i privatnog sektora mo\u017ee da ubrza finansijsko uklju\u010divanje, povezuju\u0107i resurse, znanje i mre\u017ee. Javno-privatna partnerstva mogu da podstaknu inovacije, olak\u0161aju razvoj digitalne infrastrukture i podr\u017ee inicijative finansijskog obrazovanja. Zajedno, davaoci usluga mogu da stvore vi\u0161e uklju\u010duju\u0107i finansijski ekosistem koji koristi i nebankovni svet i globalnu ekonomiju.<\/p><p><strong>Skaliranje uspe\u0161nih finansijskih modela da bi se do\u0161lo do ve\u0107eg broja nebanke populacije.<\/strong><\/p><p>Kako uspe\u0161ni finteh re\u0161enja neprestano nastaju, raste potreba za skaliranjem tih modela da bi se stiglo do ve\u0107eg broja neban\u010danih ljudi. Ovaj razvoj mo\u017ee zahtevati prilago\u0111avanje re\u0161enja razli\u010ditim regionima ili kulturnim kontekstima, uspostavljanje strate\u0161kih partnerstva sa lokalnim finansijskim institucijama i dobijanje regulatornog odobrenja na novim tr\u017ei\u0161tima. Skaliranjem uspe\u0161nih finteh modela, industrija mo\u017ee da pove\u0107a svoj uticaj na finansijsko uklju\u010divanje i stvori trajnu promenu za neban\u010dano stanovni\u0161tvo.<\/p><p>\u041d\u0430 \u043a\u0440\u0430\u0458\u0443, \u0431\u0443\u0434\u0443\u045b\u043d\u043e\u0441\u0442 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0435\u045a\u0430 \u0437\u0430\u0432\u0438\u0441\u0438 \u043e\u0434 \u0434\u0443\u0433\u043e\u0440\u043e\u0447\u043d\u0435 \u0441\u0430\u0440\u0430\u0434\u045a\u0435 \u0438\u0437\u043c\u0435\u0452\u0443 \u0444\u0438\u043d\u0442\u0435\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0458\u0430, \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0458\u0430, \u0432\u043b\u0430\u0434\u0430, \u0440\u0435\u0433\u0443\u043b\u0430\u0442\u043e\u0440\u0430 \u0438 \u043f\u043e\u0442\u0440\u043e\u0448\u0430\u0447\u0430. \u041a\u0440\u043e\u0437 \u043f\u0440\u0438\u0445\u0432\u0430\u0442\u0430\u045a\u0435 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0430, \u0441\u0442\u0432\u0430\u0440\u0430\u045a\u0435 \u043f\u043e\u0434\u0440\u0436\u0430\u043d\u043e\u0433 \u043e\u043a\u0440\u0443\u0436\u0435\u045a\u0430 \u0438 \u0434\u0430\u0432\u0430\u045a\u0435 \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u0430\u043c\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u043e\u0433 \u0441\u0442\u0430\u043d\u043e\u0432\u043d\u0438\u0448\u0442\u0432\u0430, \u0437\u0430\u0438\u043d\u0442\u0435\u0440\u0435\u0441\u043e\u0432\u0430\u043d\u0438 \u0441\u0442\u0440\u0430\u043d\u0435 \u043c\u043e\u0433\u0443 \u0437\u0430\u0458\u0435\u0434\u043d\u043e \u0434\u0430 \u0440\u0430\u0434\u0435 \u043d\u0430 \u0441\u043c\u0430\u045a\u0438\u0432\u0430\u045a\u0443 \u0440\u0430\u0437\u043b\u0438\u043a\u0430 \u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u043c \u0443\u043a\u0459\u0443\u0447\u0435\u045a\u0443 \u0438 \u0441\u0442\u0432\u0430\u0440\u0430\u045a\u0443 \u0431\u043e\u0459\u0435 \u0438\u043d\u043a\u043b\u0443\u0437\u0438\u0432\u043d\u0435 \u0438 \u043f\u0440\u043e\u0441\u043f\u0435\u0440\u043d\u0435 \u0433\u043b\u043e\u0431\u0430\u043b\u043d\u0435 \u0435\u043a\u043e\u043d\u043e\u043c\u0438\u0458\u0435.<\/p><h2 class=\"wp-block-heading\">\u0417\u0430\u043a\u0459\u0443\u0447\u0430\u043a<\/h2><p>Finteh ima mogu\u0107nost da revolucioni\u0161e finansijsku industriju i da zatvori jaz finansijskog uklju\u010divanja, donose\u0107i zna\u010dajne finansijske usluge nebankarskom stanovni\u0161tvu. Koriste\u0107i inovativne tehnologije i stvaraju\u0107i dostupna i pristupa\u010dna re\u0161enja, finteh kompanije mogu da remete tradicionalne banke i omogu\u0107e ljudima koji su do sada bili isklju\u010deni iz formalnog finansijskog sistema da koriste finansijske usluge.<\/p><p>Iako je potrebno prevazi\u0107i izazove i ograni\u010denja, uspe\u0161ni primeri i nastavak razvoja u oblasti finteka pokazuju transformativni uticaj ovih re\u0161enja. Saradnja izme\u0111u fintek kompanija, vlada, regulatora i tradicionalnih finansijskih institucija je klju\u010dna za stvaranje povoljne sredine u kojoj je prioritet finansijsko uklju\u010divanje, za\u0161tita potro\u0161a\u010da i finansijska stabilnost.<\/p><p>\u0411\u0443\u0434\u0443\u045b\u043d\u043e\u0441\u0442 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u0433 \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0430 \u0437\u0430\u0432\u0438\u0441\u0438 \u043e\u0434 \u043d\u0435\u043f\u0440\u0435\u043a\u0438\u0434\u043d\u0435 \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0458\u0435, \u0441\u0442\u0440\u0430\u0442\u0435\u0448\u043a\u0438\u0445 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0430\u0432\u0430 \u0438 \u0441\u043a\u0430\u043b\u0438\u0440\u0430\u045a\u0430 \u0443\u0441\u043f\u0435\u0448\u043d\u0438\u0445 \u043c\u043e\u0434\u0435\u043b\u0430 \u0434\u0430 \u0431\u0438 \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0438 \u0432\u0435\u045b\u0435 \u0431\u0440\u043e\u0458\u0435 \u043d\u0435\u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438\u0445 \u043b\u0438\u0446\u0430. \u041a\u0440\u043e\u0437 \u0437\u0430\u0458\u0435\u0434\u043d\u0438\u0447\u043a\u0438 \u0440\u0430\u0434 \u043d\u0430 \u0437\u0430\u0442\u0432\u0430\u0440\u0430\u045a\u0443 \u0440\u0430\u0437\u043b\u0430\u043a\u0435 \u0443 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0458\u0441\u043a\u043e\u043c \u0443\u043a\u0459\u0443\u0447\u0438\u0432\u0430\u045a\u0443, \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u0430\u043d\u0442\u0438 \u043c\u043e\u0433\u0443 \u0434\u0430 \u0434\u043e\u043f\u0440\u0438\u043d\u0435\u0441\u0443 \u0431\u043e\u0459\u0435\u043c \u0443\u043a\u0459\u0443\u0447\u0443\u0458\u0443\u045b\u0435\u043c \u0438 \u043f\u0440\u043e\u0441\u043f\u0435\u0440\u0438\u0442\u0435\u0442\u043d\u043e\u043c \u0433\u043b\u043e\u0431\u0430\u043b\u043d\u043e\u043c \u0435\u043a\u043e\u043d\u043e\u043c\u0441\u043a\u043e\u043c \u0441\u0442\u0430\u045a\u0443, \u0448\u0442\u043e \u045b\u0435 \u043f\u043e\u0431\u043e\u0459\u0448\u0430\u0442\u0438 \u0436\u0438\u0432\u043e\u0442 \u043c\u0438\u043b\u0438\u043e\u043d\u0430 \u043b\u0443\u0453\u0438 \u0448\u0438\u0440\u043e\u043c \u0441\u0432\u0435\u0442\u0430.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0423\u0432\u043e\u0437 Finansijsko uklju\u010divanje je klju\u010dni faktor za podr\u0161ku dru\u0161tvenog i ekonomskog rasta, jer omogu\u0107ava pojedincima i kompanijama da dobiju pristup neophodnim finansijskim uslugama i doprinosi globalnoj ekonomiji. Ipak, unato\u010d zna\u010dajnom napretku u posljednjih nekoliko godina, procjenjuje se da u cijelom svijetu oko 1,7 milijardi ljudi ostaje bez pristupa osnovnim finansijskim uslugama, poput \u0161tednje, zajmova, osiguranja [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2400,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[67],"tags":[931,930,945,943,932,936,937,939,938,940,942,944,935,946,947,929,934,941,948,933],"class_list":{"0":"post-2399","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-67","8":"tag-931","9":"tag-930","10":"tag-945","11":"tag-943","12":"tag-932","13":"tag-936","14":"tag-937","15":"tag-939","16":"tag-938","17":"tag-940","18":"tag-942","19":"tag-944","20":"tag-935","21":"tag-946","22":"tag-947","23":"tag-929","24":"tag--ce","25":"tag-941","26":"tag-948","27":"tag-933"},"_links":{"self":[{"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/posts\/2399","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/comments?post=2399"}],"version-history":[{"count":10,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/posts\/2399\/revisions"}],"predecessor-version":[{"id":2611,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/posts\/2399\/revisions\/2611"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/media\/2400"}],"wp:attachment":[{"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/media?parent=2399"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/categories?post=2399"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wiweb.org\/sr\/wp-json\/wp\/v2\/tags?post=2399"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}