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数字借贷创企AsiaKredit计划进军印尼市场

AsiaKredit是菲律宾数字借贷服务pera247背后的公司。近日,这家总部位于新加坡的金融科技创企宣布获SIG Asia Investments(海纳亚洲创投基金)领投的融资。尽管这轮融资数额不详,但这家公司在采访中透露,这次交易后,自己的融资总额已经达到了250万美元。

这家公司计划将这笔作为贷款资本,并强化其专利技术平台,以及承销和贷款回收基础设施,并开发新的产品。它计划在2019年初将业务推广到印尼市场。

AsiaKredit的首席执行官兼联合创始人Michael Singh表示:

“我们很高兴SIG能投资公司。SIG已经投资了这个领域里不少成功的公司,部分数字借贷商在纳斯达克上市,还有公司也活动在亚洲信用积分领域的前沿。我们很高兴SIG和我们拥有共同的愿景,我们都要把AsiaKredit打造成东南亚顶尖的数字借贷商。”

“尽管我们目前专注于高风险的短期借贷,但我们也计划提供更加长期、低风险的产品,例如6至12个月的个人分期贷款。”

AsiaKredit创立于2017年11月,通过pera 247提供无担保的小额支票和短期消费贷款,还款期限最多为90天。因为缺少银行的历史记录,在菲律宾大约有8000万人无法获得银行的贷款。

公司表示在成立后的六个月里,它已经处理了10万多笔贷款申请,目前每月客户增长率为100%,其中有50%的客户会再次选择公司的服务。

AsiaKredit, a digital consumer lender focused on Southeast Asia, today announced that it has raised USD2.5 million since its launch in November 2017 after the latest investment from global technology investment firm SIG Asia Investments. Through its pera247 mobile application launched in the Philippines in November last year, AsiaKredit currently provides unsecured small-ticket, short-term consumer loans for up to 90 days to the over 80 million unbanked and underbanked in the country with limited or no banking history. Designed to provide the shortest real-time credit decision by any platform on the market (where time-to-decision and-time-to-money is fulfilled within hours), pera247 uses data-driven credit assessment tools to analyse mobile behavioral data and other alternative sources of data to make fast and reliable credit decisions. The platform has since demonstrated rapid improvement in portfolio quality and reached product-level profitability within four months of its launch.

SIG noted that AsiaKredit is building a market-leading, fully digital lending platform that provides millions of financially excluded people in the Philippines with fast and convenient access to credit; something that the traditional banking sector is not always able to provide. In addition, they also noted that the team brings with them strong track records in fintech and consumer finance that can be seen in their sophisticated data-driven underwriting and collections capabilities. This is an area that sets them apart from other emerging lenders in the region.

Mr. Michael Singh, chief executive officer and co-founder of AsiaKredit, said, “We are thrilled to have SIG on board. SIG has a proven track record in identifying winners in this space, having invested early in digital lenders that have later listed on NASDAQ and in companies at the forefront of alternative credit scoring in Asia. pera247 further endeavors to capitalise on the portfolio relationships within SIG’s many other companies invested in the region. We are delighted that SIG shares our vision of building AsiaKredit into a leading Southeast Asian digital lender.”

“Although we currently focus on short-term loans on the higher end of the risk spectrum, we plan to move into longer duration, lower risk products such as personal instalment loans in the next six to 12 months,” added Mr. Michael Singh.

AsiaKredit will use the new funds for loan capital, to enhance its proprietary technology platform and underwriting and collections infrastructure, and develop new products. Within six months of its launch, AsiaKredit has processed over 100,000 loan applications, and is seeing over 100 per cent customer growth each month, with over 50 per cent repeat customers. Customers have the option to withdraw funds and make payments through over 10,000 cash centers.

The Asian Development Bank (ADB) noted in a 2017 report1 that the widespread use of digital finance has the ability to provide access to financial services for 224 million people and increase the volume of loans by USD295 billion in Southeast Asia. In the Philippines specifically, ADB estimates that digital finance could boost GDP by about three per cent, lead to more than USD4 billion in additional credit uptake, and mobilise more than USD7 billion in savings.

AsiaKredit raised pre-series A and seed funding from FORUM, the largest fintech venture builder in Emerging Asia; Fintonia Group, the leading early-stage fintech investor in Southeast Asia; as well as Reliance Indonesia Group and Space Ventures.


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