NỀN KINH TẾ KỸ THUẬT SỐ VÀ SỰ ẢNH HƯỞNG CỦA NÓ VỚI CHÂU Á
The digital economy refers to a broad range of economic activities that use digitized information and knowledge as key factors of production. The internet, cloud computing, big data, Fintech, and other new digital technologies are used to collect, store, analyze, and share information digitally and transform social interactions. The digitization of the economy creates benefits and efficiencies as digital technologies drive innovation and fuel job opportunities and economic growth. The digital economy also permeates all aspects of society, influencing the way people interact and bringing about broad sociological changes.
Financial technologies have also given rise to new ways of delivering financial services in Asia, particularly in facilitating payment and lending; it promotes financial inclusion in many developing Asian countries. Fintech-based lending in Asia reached $102.8 billion in 2015 while the proliferation of technologies further improved the efficiency of the payments system and strengthened Asia’s position as the largest payments market in the world. Further, digitized, networked, and intelligent information and communications technologies (ICTs) enable modern economic activities to be more flexible, agile, and smart.
The digital economy has the potential to radically change the social environment and economic activities of Asia. It is already experiencing high growth, rapid innovation, and broad application to other economic sectors. However, despite the vast opportunities presented by the digital economy, Asia has not yet fully realized the potential of harnessing digital technology for sustainable development, due to (among others) poor ICT infrastructure, inadequate skills development, and socioeconomic barriers that prevent much of Asia’s population from engaging in the digital economy.