Binance, Gcash sunt cele mai de încredere aplicații Fintech din PH, arată cercetările

Editare de Nathaniel Cajuday

Portofel electronic mobil GCash și schimbul de criptomonede Binance came out as the most trusted fintech platforms in the country, according to the recent results of the Special Industry Report on FinTech (Financial Technology) in the Philippines by the polling and data analytics firm WR Numero Research (WRN). 

Aiming to know which Fintech services and applications most Filipinos find to be safe and secure, the firm conducted a commissioned nationally representative digital survey of 1,200 Filipino adults between August 27 to 29, 2022, and has a margin of error of  ±4% with a 99% confidence level. 

According to the survey, 85% of the respondents answered that GCash is the most trusted mobile wallet, where the respondents pointed out the application’s ease of use (73%), security (55%), and transparency (50%) as foundations for their trust.  

Last month, Gcash partnered with the Philippine Stock Exchange (PSE) to allow its users to invest in the stock market. (Read more: PSE va deschide tranzacții cu acțiuni prin GCash )

Meanwhile, for cryptocurrency exchanges and marketplaces, WRN noted that Binance emerged as the most used and trusted platform. 

Out of all the respondents, 49% are cryptocurrency users and of these users, where 74% of them were using Binance and 52% cited Binance as the most trusted exchange.

“Cryptocurrency exchange services are fairly new compared to the other fintech services. And if the current trend of fintech adoption among Filipinos continues, we can expect that the number of Filipino cryptocurrency users is also likely to increase in the coming years,” Cleve V. Arguelles, Research Fellow and Managing Director of WRN, stated.

For Binance users, they trust the platform due to its ease of use (64%), safety and security (62%), and ease of fund conversion (58%). 

Moreover, 85% of the respondents who use Binance answered that the platform will contribute to the growth of the country’s economy. 

Binance, however, is still not properly licensed in the Philippines as it is affected by the moratoriu de trei ani of the Bangko Sentral ng Pilipinas (BSP) on issuing licenses. The platform’s solution to pushing through with acquiring a furnizor de servicii de active virtuale (VASP) și emitenți de monedă electronică (EMI) licenses is to acquire a local company that already has the said licenses. (Read more: Binance Exec dezvăluie planurile de a achiziționa o firmă PH care va asigura licența VASP)

Further, according to the survey, most Filipinos (87%) believe that cryptocurrency is beneficial to the Philippine economy, and for that reason, the government should support the industry (81%).

Cryptocurrency and other digital assets, however, are still not properly regulated in the Philippines as the BSP and the Comisia pentru valori mobiliare și schimb (SEC) still seek regulatory provisions from the legislation. (Read more: BSP solicită adoptarea Legii activelor digitale)

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