Page 51 - 111111

¥ÿ≈æ“À

(Ò)
Ò. π«—μ°√√¡‡∑§‚π‚≈¬’∑“ß°“√‡ß‘π (Fintech Innovation)

π«—μ°√√¡∑“ß°“√‡ß‘π (Fintech Innovation) À¡“¬∂÷ß °“√ √â“߇§√◊ËÕß¡◊Õ∑“ß°“√

‡ß‘π·∫∫„À¡à ‰¡à«à“®–‡ªìπ„π√Ÿª·∫∫ ∂“∫—π º≈‘μ¿—≥±å ·≈–°√√¡«‘∏’À√◊Õ°√–∫«π°“√∑’Ë ‡¢â“
¡“™à«¬ √â“ßæƒμ‘°√√¡°“√„™â∫√‘°“√„π√Ÿª·∫∫„À¡àÊ „À⺟â∫√‘‚¿§‰¥â π«—μ°√√¡„π√Ÿª·∫∫¢Õß

∂“∫—π §◊Õ °“√ √â“ß∫√‘…—∑À√◊ÕÕߧå°√¥â“π°“√‡ß‘π ¬°μ—«Õ¬à“߇™àπ ∫√‘…—∑∑’Ë¡’§«“¡

‡™’ˬ«™“≠¥â“π°“√‡ß‘π ·æ≈μøÕ√å¡°“√´◊ÈÕ¢“¬∑“ßÕ‘‡≈Á°∑√Õπ‘° å ·≈–∏𓧓√μà“ßÊ ‡ªìπμâπ

”À√—∫π«—μ°√√¡„π√Ÿª·∫∫º≈‘μ¿—≥±å ¬°μ—«Õ¬à“߇™àπ μ√“ “√Õπÿæ—π∏å ·≈–°“√ √â“ß

À≈—°ª√–°—π∑“ß°“√‡ß‘𠇪ìπμâπ à«ππ«—μ°√√¡„π√Ÿª·∫∫ ÿ¥∑⓬ §◊Õ°√√¡«‘∏’À√◊Õ°√–∫«π°“√
¡—°®–Õ¬Ÿà„π√Ÿª¢Õß°“√∑”∏ÿ√°√√¡∑“ß°“√‡ß‘π √«¡∂÷ß online banking ·≈– mobile banking

μà“ßÊ ¥—ßπ—Èππ«—μ°√√¡∑“ß°“√‡ß‘π∑’ˇ°‘¥¢÷Èπ„πªí®®ÿ∫—π®÷߇ªìπ°“√æ≈‘°º—π°“√„™â™’«‘μ¢Õß

§π„π¬ÿ§ªí®®ÿ∫—πÕ¬à“ß·∑â®√‘ß

„π∫∑§«“¡ ‡√◊ËÕß To do with the price of fish „ππ‘μ¬ “√ The Economist
∂Ÿ°μ’æ‘¡æ出¬·æ√à‡¡◊ËÕ«—π∑’Ë Ò 情¿“§¡ Úıı ¡’‡π◊ÈÕÀ“‡°’ˬ«°—∫™“«ª√–¡ß·≈–°“√¢“¬

ª≈“´“√奒π„π∫√‘‡«≥™“¬Ωíòß∑“ßμÕπ‡Àπ◊Õ¢Õß√—∞‡°√≈– ª√–‡∑»Õ‘π‡¥’¬ ‡¥‘¡™“«ª√–¡ß

À≈“¬√“¬®–®—∫ª≈“´“√奒π‰¥â®”π«π¡“°„π∫√‘‡«≥∑’Ë„°≈⇧’¬ß°—π·≈–π”ÕÕ°¢“¬∫√‘‡«≥

‡¥’¬«°—π ∑”„Àâª√‘¡“≥ª≈“„πμ≈“¥∫√‘‡«≥¥—ß°≈à“«¡’®”π«π¡“° √“§“ª≈“´“√奒π®÷ßμ°

·≈– àߺ≈„À♓«ª√–¡ß‰¡à “¡“√∂¢“¬ª≈“∑—ÈßÀ¡¥‰¥â ºŸâ‡¢’¬π‡≈¬μ—Èß ¡¡ÿμ‘∞“π«à“ À“°™“«
ª√–¡ß¬Õ¡‡¥‘π∑“ßÕÕ°®“°∫√‘‡«≥∑’Ë®—∫ª≈“‰¥â‰ªÕ’°ÀπàÕ¬ °ÁÕ“®®–¢“¬ª≈“‰¥â√“§“¥’°«à“π’È

À√◊Õ‰¡à ·μà ∂“π°“√≥套߰≈à“« À“°™“«ª√–¡ßμ—¥ ‘π„®º‘¥ °Á®–‰¡à “¡“√∂‡¥‘π∑“߉ª¢“¬

ª≈“∑’ËÕ◊Ëπ‰¥â∑—ππÈ”¡—π¡’√“§“ Ÿß·≈–ª≈“°Á®–‡πà“‡ ’¬·≈–μâÕß∑‘Èß ·≈–π’ˇªìπ ∂“π°“√≥å®√‘ß
∑’ˇ°‘¥¢÷Èπ„πªï æ.». ÚıÙ ™“«ª√–¡ß„π√—∞‡°√≈– à«π„À≠à¡—°®–¢“¬ª≈“Õ¬Ÿà∑’Ëμ≈“¥‡¥‘¡

¢Õßμπ ´÷Ë߇¡◊ËÕ¡’°“√‡ πÕ¢“¬ª≈“®”π«π¡“° √“§“°Á®–μË” ·≈– ÿ¥∑⓬°Á®–μâÕß∑‘Èߪ≈“∑’ˇÀ≈◊Õ

∑—ÈßÀ¡¥‰ª 𓬂√‡∫‘√åμ ‡®π‡´àπ π—°æ—≤𓇻√…∞»“ μ√å¢Õß¡À“≈—¬Œ“√å«“√å¥ ®÷ß∑”«‘®—¬

‡°’ˬ«°—∫√“§“ª≈“´“√奒π„πμ≈“¥™“¬∑–‡≈ Òı ·Ààß ∫√‘‡«≥™“¬ΩíòߢÕß√—∞‡°√≈– °≈à“««à“

(Ò)
∫√√¬“¬‚¥¬ Kathleen DeRose, Clinical Associate Professor of Finance, Director of NYU Stern
Fubon Center FinTech Initiative, NYU Stern

40 40 ‡≈à¡∑’Ë Ú ªï∑’Ë ˆˆ
40 40 40