• E99: Shopee's US$4.6 billion lending business

  • 2024/11/19
  • 再生時間： 25 分
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E99: Shopee's US$4.6 billion lending business

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  • サマリー

  • Building on our discussion of Sea Groups Q3 earnings, this week we unpack Sea Group’s US$4.6B loan book, which has grown 30% QoQ while keeping non-performing loans low.

    Tune in as we break down how Sea Money leverages Shopee’s customer data to assess credit risk, fueling growth for both its digital financial arm and Shopee, with BNPL services encouraging users to finance larger ticket items.

    On the other hand, Grab’s loan book, although smaller—at just 10% of Sea’s loan book—has potential. While Grab’s user base skews more premium and its ride-hailing model sees fewer transactions than e-commerce, it’s steadily growing. With 41.9 million monthly transacting users and expanding services across income segments, Grab is creating new opportunities in digital finance.


    Chapters:

    00:00:37 SEAMoney’s US$4.6B loan book

    00:04:00 How do tech players support lending?

    00:06:20 SEA maintains a low non-performing loans (NPL)

    00:12:28 Shopee Paylater boosts ecommerce growth

    00:18:15 Does Grab’s financial services have potential?
    続きを読む 一部表示

あらすじ・解説

Building on our discussion of Sea Groups Q3 earnings, this week we unpack Sea Group’s US$4.6B loan book, which has grown 30% QoQ while keeping non-performing loans low.

Tune in as we break down how Sea Money leverages Shopee’s customer data to assess credit risk, fueling growth for both its digital financial arm and Shopee, with BNPL services encouraging users to finance larger ticket items.

On the other hand, Grab’s loan book, although smaller—at just 10% of Sea’s loan book—has potential. While Grab’s user base skews more premium and its ride-hailing model sees fewer transactions than e-commerce, it’s steadily growing. With 41.9 million monthly transacting users and expanding services across income segments, Grab is creating new opportunities in digital finance.


Chapters:

00:00:37 SEAMoney’s US$4.6B loan book

00:04:00 How do tech players support lending?

00:06:20 SEA maintains a low non-performing loans (NPL)

00:12:28 Shopee Paylater boosts ecommerce growth

00:18:15 Does Grab’s financial services have potential?
続きを読む 一部表示

E99: Shopee's US$4.6 billion lending businessに寄せられたリスナーの声

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