GSMA：2025年促进服务欠缺市场数字金融服务的应用研究报告（英文版）

Digital transformation has broadened the scope and reach of financial activities and products, with the implementation of digital financial services (DFS) lowering barriers to entry for new providers and enhancing access to financial services for billions worldwide. Today, DFS products sit on a complexity scale, ranging from basic products that are simple, widely available, and designed for basic use cases like peerto-peer (P2P) transactions and digital payments, to intermediate products, suc