In 2012, Anthony Tan built an app to stop his friends getting overcharged by KL taxi drivers. By 2023, Grab had disbursed $1.5 billion in loans to people who had never held a credit card.
This is not a story about ride-hailing. It's about what happens when a tech platform knows its customers better than their banks do — and decides to become one.
Grab operates across Indonesia, Singapore, Malaysia, Thailand, Vietnam, the Philippines, Cambodia, and Myanmar. This video covers its financial services expansion, alternative credit scoring model, and path from $3.4 billion in losses to profitability.
If you follow Southeast Asian business, emerging market fintech, or the economics of superapps — this one's worth your time.
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