东南亚网约车平台Grab正式进军金融市场 - 互联网金融门户 未央网

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东南亚网约车平台Grab正式进军金融市场

3月13日,东南亚著名网约车平台Grab在Money20/20大会上宣布,将推出金融科技平台Grab Financial,覆盖付款、用户奖励及其他金融服务等。

同样是在这一天,Grab宣布了与两家金融公司的合作计划。

首先是与日本消费金融公司Credit Saison进行合作,主要目标是为东南亚没有银行账户或获得银行服务不足的消费者、小微企业提供借贷服务(初期产品主要为手机购置消费贷款和营运资金贷款等)。未来,合资公司也可为金融机构提供信贷评分服务。

此外,Grab也和保险公司Chubb合作,向Grab的司机销售后者的保险计划。Grab将为旗下的260万名司机提供意外险、住院险和其他的关键保险方案。

Grab可以说是东南亚预约出行方面的绝对霸主。此前,Uber公司就宣布计划将公司的东南亚分部出售给Grab。而来自Grab的数据显示,去年一年,Grab在预约出行、食物配送和其他多项服务方面的累计交易总量已经突破10亿次。

据世界银行统计,东南亚地区共有大约2.6亿人没有正规的银行账户,这大大限制这类人群获得信贷服务的可能,但同时也为Grab等新兴金融科技力量提供了巨大的潜在市场空间。

 

Southeast Asian ride hailing app Grab is expanding into financial services in partnership with a Japanese credit card company, hoping to offer credit to millions of people without bank accounts.

Grab, founded by Malaysian businessman Anthony Tan, said Tuesday it will use its "huge cache" of customer data from the app to provide ways to measure creditworthiness of people outside the formal banking system.

The ride-hailing app says it has over a billion transactions a year including food deliveries and other services.

It said the joint venture with Japan's Credit Saison will begin by focusing on providing loans to Grab drivers and merchants for purchasing smartphones or working capital.

The World Bank estimates that more than 260 million people in Southeast Asia lack bank accounts, which restricts their access to credit.

"Many in our region have no access to loans that they can use to purchase a new home or grow their small business," Grab said in a statement. It said its lending business would "accelerate financial inclusion."

Grab dominates car and motorbike-hailing in much of Southeast Asia. The Wall Street Journal, citing people familiar with the matter, reported last week that Uber has agreed in principle to sell its Southeast Asian operations to Grab, which would end the U.S. company's costly fight for market share in the region.

In Indonesia, Southeast Asia's biggest economy and most populous nation, Grab is in a fierce battle for customers with local operator Go-Jek.


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