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The Mobile Revolution in Banking: From China to the U.S.
Policy & Regulation
Credit Risk & Scoring
Payments
New analysis provides a glimpse of the future as countries like China pave the way for a whole new system of banking. China is seeing an “explosive growth of mobile payments. With a record $12.8 trillion in mobile payment transactions from January – October 2017, China far surpasses the U.S. at only $49.3 billion,” according to data. Dana Nino, an...
 Future Of Business Survey
Non Financial Services
Policy & Regulation
Payments
The Future of Business survey is a collaboration between Facebook, the OECD and the World Bank to provide timely insights on the perceptions, challenges, and outlook of online Small and Medium Enterprises (SMEs). The Future of Business survey was first launched as a monthly survey in 17 countries in February 2016 and expanded to 42 countries in...
Agrifinance Report on the Rural Land Market in Britain
Non Financial Services
Rural & Agriculture Finance
Agrifrance*, a specialist division of BNP Paribas Wealth Management (a SME Finance Forum member), has published its special report on France’s rural land market, this year comparing it with the market in Britain. The main findings of the report: Agricultural land in the United Kingdom occupies 17.3 million hectares, versus 26 million hectares in...
Report: Fintechs Taking Large Chunk of SME Lending Sector
Supply & Value Chain Finance
Credit Risk & Scoring
Digital Transformation
According to a survey of 2000 directors at UK SMEs, almost half of UK SMEs (49%) would seek financing from non-bank lenders as they begin to better understand the business models of companies in this space, including fintechs. A Leeds-based fintech known as Rebuilding Society, founder Dan Rajkumar, recently said: “When you are a business and you...
UK VC & Female Founders Report
Alternative Financing
Gender Finance
Female start-up founders are missing out on billions of pounds of investment, new research published today finds. The UK VC & Female Founders report found that for every £1 of venture capital (VC) investment in the UK, all-female founder teams get less than 1p. By comparison, all-male founder teams get 89p and mixed-gender teams get the...
ADP Small Business Report January 2019
Financial Education
Non Financial Services
Private sector small business employment increased by 63,000 jobs from December to January according to the January ADP Small Business Report. Due to the important contribution that small businesses make to economic growth, employment data that are specific to businesses with 49 or fewer employees is reported each month and broadly distributed to...
Digital Finance Evidence Gap Map (EGM) 2.0
Financial Education
Non Financial Services
Governance
There are two views of the EGM. The first view ‘Digital Finance Studies’ shows the total number of studies that were conducted on a particular product, plotted against the client outcomes which were tested. The objective with this view is to give the user an overview of the impact literature on digital finance and highlight which digital finance...
Study: Men More Likely to be Business Owners than Women in Britain
Equity
Gender Finance
Fintech
A new study seen exclusively by Yahoo Finance UK shows how difficult it is for women in Britain, compared to men, to start their own business. Yahoo says, men are three times more likely than women to have over £250,000 ($320,479) of investible assets – essential capital for getting a business started – according to private equity house IW Capital...
Study Says Women are Good for Business
Gender Finance
Supply & Value Chain Finance
A study by Calvert Impact Capital found that diversity in senior staff had a greater impact than the number of female directors or the gender of its founder. “We saw a particularly strong relationship to women in leadership,” said Leigh Moran, Calvert’s director of strategy. “We think there’s a common misconception that incorporating gender is...
OECD Data: Entrepreneurship at a Glance Highlights from 2018
Financial Education
Non Financial Services
Gender Finance
This booklet presents a compilation of frequently used graphs on entrepreneurship trends and SME performance drawn from the OECD Statistics and Data Directorate’s databases of Structural and Demographic Business Statistics (SDBS), Timely Indicators of Entrepreneurship (TIE), Trade by Enterprise Characteristics (TEC), Entrepreneurship Finance...
TUHF Annual Integrated Report 2018
Financial Education
Supply & Value Chain Finance
TUHF's Integrated Annual Report is used to communicate with their stakeholders, primarily their funders and They use it to explain their performance, strategy and prospects, and compiled it according to International Integrated Reporting Council’s (IIRC) Integrated Reporting <IR> Framework. This report covers the performance of the Trust for...
9th Annual Financial Access Survey 2018
Non Financial Services
Gender Finance
Supply & Value Chain Finance
The International Monetary Fund (IMF) released the 2018 Financial Access Survey. The survey includes information from 189 countries spanning over 10 years. Key findings in the report include: Highlighting the use of retail agent outlets, mobile money growth, and progress in women’s financial inclusion. According to data from the report, financial...
The State of Financial Inclusion in India
Financial Education
Non Financial Services
Sustainable Finance
Policy & Regulation
Medici examines the widening financial gap in India and their lack of push for institutional credit for consumers. With consumer debt to GDP at only 17 percent, India falls behind major economies of Asia Pacific. According to the article, “In the absence of institutional credit at fair interest rates for a majority of the population, people at the...
Report: Business Banking Service Quality - Great Britain
Non Financial Services
Policy & Regulation
Credit Risk & Scoring
A survey conducted by the BDRC between Sept. 2017 and June 2018 revealed the quality of service provided by banks from SME business account customers. SMEs were asked to give feedback in the following areas for their respective bank: Overall service quality Online and mobile banking services Services in branches and banking centers SME overdraft...
Women are at the Top of Their Game in the SME Industry
Gender Finance
Supply & Value Chain Finance
Women in the Western Cape are dominating the SME industry. According to the article, “women-owned businesses experienced 50 percent more growth than businesses owned by men in the Western Cape.” This boost can be contributed to women making smarter investment decisions, according to a survey conducted by Retail Capital. Key points revealed in the...
The Economics of Banking on Women: 2018 Edition
Non Financial Services
Gender Finance
Policy & Regulation
This report is based on information gathered in the GBA’s Women’s Market Analytics Survey — the only collection of global banking data measuring the performance of financial institutions serving the Women’s Market, with four years of performance data and over 400 data points per institution. This second edition of the report bears out several...
Study: SMEs Heterogeneous in Their Use of Cash Management Technology
Non Financial Services
Supply & Value Chain Finance
Credit Risk & Scoring
A study by Fachhochschule des Mittelstands (FHM), the SME University in Bielefeld, revealed that the demands placed on finance and liquidity management have increased, leading to the proliferation and professionalization of cash management systems. In the study, 280 SME finance managers were surveyed and when compared to previous studies there is...
Survey Says Indian Women Spend Twice as Much as Men on Cryptocurrency
Gender Finance
Payments
BuyUcoin, an Indian cryptocurrency exchange, has found that female Indian investors, on average, invested over Rs1.4 lakh (around $2,000) on digital currencies—twice the amount that men typically spent. The survey, conducted between March and June, had over 60,000 respondents.
EIF's European Small Business Finance Outlook - June 2018
Non Financial Services
Equity
Guarantees
This analysis provides an overview of the main markets relevant to the EIF. It starts by discussing the general market environment, then looks at the main aspects of equity finance and the guarantee and SME securitisation markets and, finally, it highlights important aspects of microfinance in Europe. A chapter on Fintech also complements the...
Where Credit Is Due - Customer Experience of Digital Credit In Kenya
Credit Risk & Scoring
Digital credit offers enormous promise to enhance provide a valued service to the mass market thus increasing financial inclusion, while also driving uptake and use of digitial financial services (DFS). However, with 2.7 million people already blacklisted on the credit reference bureau in Kenya, concerns are growing about current standards of...
Survey: Chinese Tourist Increase Usage of Mobile Payments
Non Financial Services
Supply & Value Chain Finance
Payments
Nielsen and Alipay jointly issued the 2017 Survey: Outbound Chinese Tourism and Consumption Trends, which details how Chinese tourists pay for products in services and their behaviors in making such decisions. Ninety-nine percent of Chinese respondents have the Alipay app installed on their phones. The survey found that discounts and payment...
Research: Small Business Financial Buffer
Supply & Value Chain Finance
Sustainable Finance
Credit Risk & Scoring
Nearly a third (28%) of small business owners don’t feel financially confident unless they have a buffer big enough to cover running costs for a year, according to new research from credit card machine provider Paymentsense. The study found that despite this, more than four in 10 small business owners (41%) admit to having no such buffer in place...
SMEs Lose On Average About $35,000 Per Cyber Attack, New Barclays Research Reveals
Financial Education
Sustainable Finance
The research for Barclays by YouGov showed that almost half of SMEs surveyed (44 per cent) had been targeted by fraudsters, with approximately one in four (23 per cent) of those targeted having fallen victim. Barclays has launched a nationwide campaign to help small businesses tackle cybercrime and fraud, with new research suggesting that online...
The Global Findex Database 2017
Policy & Regulation
Credit Risk & Scoring
Payments
The 2017 edition of the Global Findex includes updated indicators on access to and use of formal and informal financial services. And it adds new data on the use of financial technology (fintech), including the use of mobile phones and the internet to conduct financial transactions. Financial inclusion is on the rise globally. The 2017 Global...
Big Data
Supply & Value Chain Finance
Governance
Credit Risk & Scoring
This Focus Note by Marissa Dean and the supported by the Mastercard Foundation summarizes how 30 leading organizations across Kenya and Tanzania are thinking about or actively using big data and analytics as they explore this space in digital finance. The findings are based on interviews with these organizations—which include banks, microfinance...
IMF Releases the 2017 Financial Access Survey, Tracking Access to Financial Services
Supply & Value Chain Finance
Payments
The International Monetary Fund (IMF) released the results of the eighth annual Financial Access Survey (FAS). The FAS collects annual data on indicators tracking financial access—an important pillar of financial inclusion. It provides insights on the availability and use of financial products such as consumer and firm deposit accounts, loans, and...
2017: International Financial Inclusion Funding Data
Financial Education
Non Financial Services
Gender Finance
Rural & Agriculture Finance
Sustainable Finance
Youth Entrepreneurship
Policy & Regulation
The 2017 edition of CGAP’s annual Cross-Border Funder Survey reports funding commitments from the 23 largest international funders of financial inclusion, representing 80 percent of the full set of over 54 international funders and 73 percent of the global estimated funding commitments for financial inclusion in 2016. Major project themes in 2016...
Survey Finds 80 Percent of SMEs Value Trust Over Cost When Choosing a Technology Partner
Non Financial Services
Sustainable Finance
The SAP Business Partnership Study shows that three out of four small and midsize enterprises (SMEs) see IT and technology vendors not just as an external resource but as vital to their business. More and more technology vendors are being used by business leaders for consultation (76 percent), for insight and advice (79 percent) and to anticipate...
Survey: UK SMEs Say Banks Haven’t Changed Since Financial Crisis
Credit Risk & Scoring
Twenty-four percent of UK SMEs believe that banks have failed to change the way they behave since the global financial crisis in 2008. The survey of UK SMEs from CivilisedBank, the new UK business bank with a Local Banker network, also reveals that over half (55%) of those surveyed believe that it is not a priority for banks to act in a ‘civilised...
2017 SME Financing Survey
Supply & Value Chain Finance
Credit Risk & Scoring
Findings from the second edition of the SME Financing Survey conducted by SPRING Singapore, revealed that about 13% of SMEs sought external financing in the past year and out of these, 90% that applied for debt financing1 were successful in their applications. The most commonly cited purpose by over 60% of SMEs that sought external financing2 in...
Q3 2017 SME Health Check Index
Financial Education
Sustainable Finance
The Q3 2017 SME Health Check Index finds that: SME Health Check Index falls to lowest level since January 2014 - falling from 56.3 in Q2 of 2017 to 46.9 in Q3 Six out of eight Index measures have worsened in last quarter - employment, revenue, confidence and net business creation indicators are all down SME business costs increased by 2.5% this...
Will Cash Disappear?
Sustainable Finance
Governance
Payments
The New York Times analyzes consulting firm Capgemini's estimate that electronic payments will grow about 10.9 percent a year between 2015 and 2020. Norway tops the list, with 99 percent of their adults having made a digital payment.Germany lands the second place at 96 percent, followed by the United States at 92 percent and Japan at 89 percent...
TD Bank Small Business Survey 2017
Credit Risk & Scoring
TD Bank conducted an online survey among small business owners whose annual revenue/sales is $1,000,000 or less. This April 2017 survey focuses on understanding business owner expectations, confidence, challenges and use of specific products. Considerations for expansion included adding new products or services is the top path for expanding the...
SME Test Benchmark 2017
Financial Education
Non Financial Services
Policy & Regulation
EUROCHAMBRES assessed how the European Commission applied the SME test by analyzing 13 impact assessments (IAs) on legislative initiatives of relevance to SMEs, such as geo-blocking, posting of workers and insolvency, published in the period of July 2015 - January 2017. One of the main findings was despite the strong emphasis by the current...
The Disconnect Between Banks and SMEs in Digital Finance
Credit Risk & Scoring
Payments
According to the International Finance Corporation, small and medium-sized enterprises (SMEs) make up 99% of the 125 million companies in the world, and these SMEs contribute a staggering 49% of global GDP. The opportunities are huge for any bank willing to offer the fully digital, personalised service they are seeking. As the Fintech partner for...
OECD's Entrepreneurship at a Glance 2017
Financial Education
Gender Finance
Policy & Regulation
Fintech
OECD's Entrepreneurship at a Glance 2017 report shares data on SMEs and market proximity and female entrepreneurship. In 2014 start-ups – firms less than two years old - accounted for around 20 percent or more of firms in most countries and for more than 30 percent in the United Kingdom, Hungary, Brazil, Israel and Poland. Start-ups nevertheless...
SME Lending Declines for 23rd Consecutive Quarter
Supply & Value Chain Finance
Sustainable Finance
For the 23rd consecutive quarter, SME lending decreased and is down 7.5% for the year, new Central Bank figures show. The Bank said credit to SMEs — considered to be 250 employees or less — declined by 0.8% over the quarter to €27.5bn in its latest report examining lending in the second quarter. The weighted average interest rate on new non-...
Jamaican business
Equity
Policy & Regulation
The World Federation of Exchanges (WFE), jointly created a survey with the Milken Institute Center for Financial Markets a survey to compare how approaches to SME boards have varied across countries. The evidence-based research compiled data such as: Main reasons Indian SMEs list Did firms raise capital at time of listing? Use of IPO proceeds by...
Democratizing Globalization: How Small Businesses across America
Financial Education
Policy & Regulation
Payments
PayPal conducted research in hopes give more small businesses to digital finance and inspire both owners and policymakers in supporting growth for SMEs in the U.S. This research found that SMEs PayPal users grew from 2015-2016 by 22.9 percent. Of these, less than five percent export. Women-owned small businesses grew and export at about 72 percent...
What SME Financial Jobs Are At Risk of Automation
Financial Education
Personal financial advisors have a 58 percent chance of computerization in the future, according to recent data on the probability of computerization. According to Carl Frey and Michael Osborne, financial advisors should be able to escape the rise of automation and artificial intelligence with jobs intact. The data also shows that insurance...