1、 Strategies and Initiatives on Digital Financial Inclusion:Lessons from Experiences of APEC Economies Finance Ministers Process December 2022 Strategies and Initiatives on Digital Financial Inclusion:Lessons from Experiences of APEC Economies Finance Ministers Process December 2022 Page|ii APEC Proj

2、ect:FMP 01 2021 Produced by:BSP Research Academy Bangko Sentral ng Pilipinas Manila,Philippines For Asia-Pacific Economic Cooperation Secretariat 35 Heng Mui Keng Terrace Singapore 119616 Tel:(65)68919 600 Fax:(65 68919 690 Email:infoapec.org Website:www.apec.org 2022 APEC Secretariat Page|iii Conte

3、nts Abbreviations and Acronyms.iv Acknowledgement.v Introduction.vi Executive Summary.1 1.Significant gains but pain points remain.4 2.Creating an enabling environment.11 3.Onboarding the unbanked and underbanked.23 4.Shepherding global efforts.30 5.Advancing inclusion through collaboration and syne

4、rgy.39 Annex 1:APEC Webinar Program.43 References.45 Page|iv Abbreviations and Acronyms ADB Asian Development Bank AFI Alliance for Financial Inclusion AI artificial intelligence APEC Asia-Pacific Economic Cooperation API Application Programming Interface APIX API(Application Programming Interface)E

5、xchange ASEAN Association of Southeast Asian Nations BDA Basic Deposit Account BI Bank Indonesia BI-FAST Bank Indonesias fast payment system BNM Bank Negara Malaysia BNPL Buy Now Pay Later BSP Bangko Sentral ng Pilipinas BTCA Better Than Cash Alliance CBDC central bank digital currency CGAP Consulta

6、tive Group to Assist the Poor COVID Coronavirus disease DLT distributed ledger technology DPTR Digital Payments Transformation Roadmap e-KYC Electronic Know-Your-Customer FEN Financial Education Network Fintech Financial technology FSC Financial Supervisory Committee FSP financial service provider G