區(qū)塊鏈、大數據和人工智能：利用技術實現普惠金融的機遇和風險

1Blockchain,

BigDataand

AI:Opportunitiesand

Risks

ofLeveragingTechnology

forFinancial

InclusionBlockchain,

big

data

et

AI:opportunités

et

risques

enAfriqueAiaze

Mitha,

UNCDF;

UN

Task

Force

on

Digital

Financing

of

the

SDGsJayideep

Akkireddy,IDH

the

sustainable

trade

initiativeLinda

Busienei,

Agri-walletDenis

Moniotte,RubyxIDHatSAM20192Malawi

TeaBlockchain(1

of

2)Trado:

Pre-shipment

financing

through

transparentdatashared

along

the

tea

supply

chain.3Malawi

TeaBlockchain(2

of

2)Each

player

in

the

supply

chain

contributing

to

datasharing

&

validationvia

blockchainWhat

we

learned:When

creating

adatainfrastructure,have

a

bundle

of

use

cases

toeither

tosharecosts

ORtohave

morerevenue

streams4Input

FinanceforSmallholdersin

Africa:

BigDataMany

FIs

andFin-techs

increasingly

attempting

to

useBig

data

&

AI

-

TulaaWhat

we

learned:Collectingmeaningful

datarequirespartnershipsamongecosystemplayersCSO

have

tobe

part

of

thistoprovide

servicesto

somesegments5Farmfit

provides

the

integrated

solution

to

unlockcommercial

investment

into

sustainable

smallholderagricultureServiceProvider/Trader6Value

to

TraderShared

ValueIncreased

farmerincomes

andlivelihoodClimate

resilienceand

adaptationImproved

nutritionThriving

communitiesGender

inclusivitySoilhealth,sustainable

resourceuseIncreased

productivityIncreased

supplyImproved

qualityIncreased

supplyresilience

andpredictabilityMore

robust

supplychainSignificant

leverageCommercialinvestment

atscaleSHF

that

are

profitablebusinesses

andinformedconsumersFARMFIT

FUNDFarmfit

Business

SupportJay

AkkireddySeniorManager,

Learning

&

InnovationIDH

sustainable

tradeinitiativem:

+31

(0)

65

006

7011e:

akkireddy@7We

make

Agri-financefunWe

make

Agri-finance

fun8What

is

the

problemSmallholder

farmer

lack

access

to

finance500,000,000,000

USD

underfinancing

globallyAgricultural

loans

get

diverted

in

to

non-agricultural

uses68%

of

allloansget

diverted

to

some

extent30%

get

diverted

100%9byTraction10byWhatis

Agri-walletUnique

financing

for

smallholder

farmers,

buyers

and

input

suppliers,keeping

money

in

the

value

chain,

fully

digital

block

chain

enabledFor

Banks:

Easy

and

profitableFarmersMerchantsOfftakers11For

Clients:

Easy

and

affordableby12How

can

block

chain

helpFinance

the

food

supply

chainEar

marking

of

fundsReducing

financial

risks13Why

block

ChainTransparency

and

traceability

because

no

transaction

can

be

alteredSimplify

back

office

work

because

of

the

shared

ledgerapproachAssurance

of

payment

reduces

counter

party

risks

because

availability

offundsis

verified

prior

to

a

physical

transactionWe

do

not

put

private

data

in

ablock

chainbyEasy

Access

to

financeLess

diversion

of

fundsSaving

cultureIncreased

financialinclusion

to

the

smallholder

farmersIncreased

productivityHigher

yields

due

to

quality

inputsFarmer

profits

rises

to

97%

as

a

result

of

use

of

Agri-wallet14Outcomes

and

impactby15Challenges

as

we

scaleAccess

tocapitalis

the

key

barrier

to

growing

and

unlocking

latent

demandUpwardspricing

pressure

due

to

highercapital

costsIn

order

to

reach

a

large

amount

ofnewfarmers

there

will

be

increase

in

variable

costs

egcommissions

for

agents

and

digital

costsFinancial

requirements

are

differentdepending

on

value

chain

hence

need

for

tailoredapproachThetarget

customer/segment

needs

CAPEX.F