AI普惠金融平台開發： 針對菲律賓信用薄檔及金融服務弱勢消費者之應用

Abstract

菲律賓金融包容性的擴展速度已超越金融健康的改善速度。儘管銀行帳戶持有率持續提升，許多在職菲律賓人仍處於財務脆弱的狀態，信用資料有限，且未能充分獲得正式金融體系所提供的信貸服務。本商業計畫提出並評估 Stashwise，一個由人工智慧（AI）驅動的雙邊金融科技平台。Stashwise 整合現金流追蹤、行為輔導及「金融健康評分」（Financial Health Score），並透過取得使用者同意後蒐集之行為型補充金融資料，協助金融機構服務信用資料不足（thin-file）的消費者。本商業計畫旨在評估 Stashwise 於菲律賓市場的商業吸引力、營運可行性及策略防禦能力。 為驗證本商業計畫的市場假設與可行性，本計畫採用混合研究方法，透過結構式問卷調查（n = 124）蒐集資料，受訪者來源包括協助式實地訪談、線上問卷，以及海外菲律賓勞工（Overseas Filipino Workers, OFWs）管道。此外，本計畫亦針對一家專門服務信用資料不足客群的金融科技放款機構，訪談兩位機構代表，並進行半結構式訪談。問卷資料採用描述性分析及分群分析，訪談資料則透過主題分析進行詮釋，並與消費者調查結果進行比較。 市場驗證結果顯示，受訪者對 Stashwise 所提供的功能具有興趣，並對經使用者同意後進行資料共享持開放態度；然而，信任與詐騙疑慮仍是影響採用意願的重要障礙。機構訪談結果顯示，針對信用資料不足客群的信用評估，可能依賴有限的資料來源，且未能充分反映非正式收入。透過「探索驅動規劃」（Discovery-Driven Planning）方法進行財務規劃，預估 Stashwise 將於第四年達成營運損益兩平，並分階段籌集 230 萬美元資金。 綜合市場驗證、機構訪談及財務分析結果，本商業計畫認為 Stashwise 具備商業可行性。然而，其成功高度取決於執行能力、使用者信任的建立，以及與金融機構合作關係的發展。Stashwise 旨在連結個人的金融行為與取得金融服務的機會，進而促進菲律賓金融包容性及金融健康的發展。

Financial inclusion in the Philippines has expanded faster than financial health. Although account ownership has increased, many working Filipinos remain financially fragile, thinly documented, and underserved by formal credit systems. This paper develops and evaluates a business plan for Stashwise, a two-sided AI-driven fintech platform combining cash-flow tracking, behavioral coaching, and a Financial Health Score with a consent-based, behavior-informed supplementary signal for financial institutions serving thin-file consumers. The study asks whether Stashwise is commercially attractive, operationally feasible, and strategically defensible in the Philippine context. A mixed-methods approach was used. A structured consumer survey (n=124) was administered through assisted in-person outreach, online distribution, and Overseas Filipino Worker (OFW) channels. This was complemented by two semi-structured interviews with informants from a fintech lender operating in the thin-file segment. Survey data were analyzed descriptively and by segment, while interview findings were thematically interpreted and compared with consumer evidence. Respondents showed interest in Stashwise’s features and openness to consent-based data sharing, although trust and fraud concerns remain central adoption barriers. Institutional interviews suggest that thin-file underwriting may rely on limited inputs and insufficiently recognize informal income. Using Discovery-Driven Planning, the financial plan projects operating break-even in year four with USD 2.3 million in staged funding. The business plan concludes that Stashwise is commercially plausible but execution and trust-dependent, linking financial behavior to financial access.