Page 7 - CCFA Journal - 12th Issue

加中金融 Exclusive Interview 人物专访

数据是未来

尽管阿里巴巴和腾讯等国际巨头已经进军东南亚市场，吴雅楠相信，Surfin Meta 的独特定位在于其有针对性地关注未被服
务的人群，以及专注于挖掘其行为数据。

几个关键因素推动了 Surfin Meta 的快速增长：新冠无疑成为数字金融的意外催化剂，Vivo、Oppo 和小米等智能手机的日
益普及也为数字普惠金融添砖加瓦。此外，年轻劳动力的受教育程度普遍提升。因此他有信心预测，这些新兴市场未来可
实现高个位数的经济增长。

作为生成式人工智能技术的先锋，Surfin Meta 准备利用用户数据改进其数字营销、客户服务和财富管理等服务。公司已经
制定了宏伟目标，计划在 2027 年之前将市场占有率从当前的 2%扩大到 10%。千禧一代和 Z 世代构成了公司的主要目标受
众，因为这些人通常更愿意接受金融科技解决方案和数字平台。

吴雅楠认为，与发达的西方社会习惯用信用卡结算不同，新兴市场不受 '历史包袱' 的拖累，其消费者反而更愿意接受金融
科技。当然，随着数据隐私和法规环境的不断演变，Surfin Meta 也正积极遵循当地数据法律，并与政府展开广泛合作。

"如果说数据是新的未来，那么数据的本地化不仅是一种要求，更是一种承诺，" 吴雅楠如是说。

Data holds key to promising future

While international giants like Alibaba and Tencent have already made inroads into Southeast Asian markets, Wu
believed that Surfin Meta's unique value proposition lies in its targeted focus on even more underserved populations
and a specialized emphasis on behavioral data.

Several key factors are fueling Wu's rapid growth trajectory: The pandemic served as an unexpected catalyst for the
adoption of digital finance, while the growing ubiquity of affordable smartphones from brands like Vivo, Oppo, and
Xiaomi is also playing a pivotal role. Coupled with encouraging economic growth projections, Wu is anticipating high
single-digit growth rates in these burgeoning markets, driven largely by a young and increasingly well-educated
populace.

Positioned at the vanguard of generative AI technologies, Surfin Meta is poised to leverage user data to refine its
offerings in digital marketing, customer service, and wealth management advisory. The company has set an ambitious
target to expand its market penetration from the current 2% to 10% by 2027. Millennials and Gen Z, who are generally
more receptive to fintech solutions and digital platforms, make up the company's primary target demographic.

In contrast to developed Western markets, where credit cards are the norm, the unbanked population in emerging
markets offers an expansive growth canvas. Wu believed that these nations are unburdened by 'historical baggage,'
making them more open to fintech adoption.

However, as the regulatory landscape around data privacy evolves, Surfin Meta is acting in full compliance of local data
laws and cooperating with local governments. "If data is the new future, then data localization is not just a requirement-
it's a commitment," he said.

CCFA JOURNAL OF FINANCE November 2023 Page 7 第7页