FinTech offers a new way to mobilize resources for all kinds of uses – including for funding sustainable development. Roughly 3%–13% of funding required for the UN’s Sustainable Development Goals (SDGs)– or around $50 billion to $125 billion -- could come from a ‘FinTech Dividend.’ Such a dividend derives from the use of FinTech platforms to increase savings and investment (overall), channel resources into publicly-funded as well as privately-funded SDG-related activities and policies, and encourage the use of internet platforms, which deliver novel goods and services that relate to the seventeen SDGs. Less than half of UN members have FinTech laws and policies – making FinTech a ripe area for right-regulating. Unfortunately, in areas like institutional reform – no amount of money can guarantee achieving the SDGs, without wider legal and administrative reforms. And no clear data about the exact policies needed to help grow an economy (or pay for SDG spending) serve as any guide. With total investment in FinTech stuck at around $150 billion to $200 billion – the hoped for deluge of FinTech dollars on SDG activities may remain a trickle for years to come.

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金融科技红利：金融科技可能为可持续发展筹集多少资金？

金融科技提供了一种为各种用途调动资源的新方法——包括为可持续发展提供资金。联合国可持续发展目标 (SDG) 所需资金的大约 3% 至 13%——或约 500 亿至 1250 亿美元——可能来自“金融科技红利”。这种红利来自于使用金融科技平台增加储蓄和投资（总体），将资源引导到公共资助和私人资助的可持续发展目标相关活动和政策，并鼓励使用互联网平台，提供新产品和与 17 个可持续发展目标相关的服务。不到一半的联合国成员拥有金融科技法律和政策——这使得金融科技成为权利监管的成熟领域。不幸的是，在体制改革等领域——再多的钱也不能保证实现可持续发展目标，没有更广泛的法律和行政改革。并且没有关于帮助经济增长（或支付可持续发展目标支出）所需的确切政策的明确数据作为任何指南。由于对金融科技的总投资停留在 1,500 亿至 2,000 亿美元左右——未来几年，金融科技资金涌入可持续发展目标活动的希望可能仍然是涓涓细流。