Banking Research

Jun

Is GoTo on the right track?

Asia’s platform companies had a great run, but amid a shaky global economy they have no choice but to make substantive changes to their business models. For most of these companies, the biggest problem is that they do not make enough money to offset their costs. Until very recently their…

Jun

Asia Banking Research

The sky may be the limit for Philippine digibanks

While digital banks are all too often hyped, in the Philippines’ case online lenders truly have a large market opportunity. Incumbents have limited reach and there is a large unbanked population, estimated at 47% of adults (31.5 million people) as of early 2021 by Bangko Sentral ng Pilipinas (BSP), the…

May

Asia Banking Research

Will digital banks be disruptive in Thailand?

In August 2021, The Bangkok Post ran an article entitled “Thailand ripe for a digital banking battle” that captured the conventional wisdom about the prospects for online lenders in the kingdom, which is that there is a significant market opportunity for them due to lagging digitization among incumbents rather than…

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