Page 13 - NO.147銀行家雜誌

的崛起》（The Rise of Technosocialism， 個話題遠超過了金融業的範疇，但金融業者提
書名暫譯）；他在書中指出，我們可以用科 供的支付方式，確實反映出它們正在為自己
技掌控力v s.混亂，以及排斥v s.包容兩個軸 選擇怎樣的未來。

線，把未來的走向分成四塊：放棄科技掌控 金恩也指出，這些不同的未來走向都跟環
並且排斥異己的擺爛主義（Failedistan）、 境密切相關。每個國家如何主動涉入綠色轉
放棄掌控但包容異己的反科技主義 型，一定會大幅影響該國經濟，也會大幅影
（Luddistan）、用新科技大力掌控但排斥異 響該國社會的治理能力，及該國面對全新挑
己的新封建主義（N e o-F e u d a l i s m），以及 戰的能力。卡尼也同意這項觀察，他認為綠

善用新科技掌控同時包容異己的科技社會主義 色轉型將直接關係各國未來國力，「未來的
（Technosocialism）；前面三個走向都很淒慘， 強國一定是環保大國。」（本文作者為台灣金
只有科技社會主義才是美好的明天。當然，這 融研訓院特聘外籍研究員；譯者為廖珮杏）

makes up the primary bank account for 50% of its business over time.” He estimates that the US is
48 million customers. around seven years behind China in that respect.

WeBank, with a market cap of US$ 70 billion King also mentioned his new book, The Rise
and customer base of 200 million, has a CAC of of Technosocialism, which creates a framework of
US$ 0.75. four futures along the two axes of chaos versus
The way these challengers are reducing planning, and inclusion versus exclusion: luddistan,
their acquisition cost is through contextual finance. failedistan, neo-feudalism, and technosocialism.

“Plastic” (i.e. credit cards) is no longer exciting; Only the latter scenario is an optimistic vision
rather, a payment services layer is being embedded for the future. This topic clearly goes far beyond
within digital ecosystems. This format has several banking, but payments are a quite fundamental
advantages, including ease of data collection, aspect of economic activity.

lower transaction costs, and programmability. Most King also mentioned that these futures have
importantly, it enables “digital scaling” for innovative an important environmental component. Proactive
companies who are able to grasp the trends: lower management of the green transition will have
costs can eventually reflect in higher revenue. important impacts on the economy, and will further
“Clearly, mobile wallets are the future of reflect society’s overall management capabilities

banking, not plastic,” King said, “yet the transition and resilience towards novel challenges. As Mr.
from incumbents to this new modality is quite Carney also noted, this is a question of national
slow.” “If you are a bank and you’re still issuing power. “Great powers are going to be green
credit cards, you are going to see a decline in that powers,” he said.

台灣銀行家2022.3月號 13

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