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ASEANにおけるP2Pレンディング市場(2020年):Frost Radar

Frost Radar: ASEAN Peer-to-Peer (P2P) Lending Market, 2020

出版日: | 発行: Frost & Sullivan | ページ情報: 英文 56 Pages | 納期: 即日から翌営業日

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ASEANにおけるP2Pレンディング市場(2020年):Frost Radar
出版日: 2020年09月25日
発行: Frost & Sullivan
ページ情報: 英文 56 Pages
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

ASEANのP2Pレンディング業界は、主に銀行がサービスを提供している中小企業(SME)の融資市場を混乱させています。P2P融資業者は、機械学習や人工知能などのテクノロジーを使用して、レンディングプロセス全体を4週間以上から1週間以下に短縮する製品を発売しています。P2Pレンディングプラットフォームは、既存の金融システムを補完し、これまで存在しなかった代替投資の機会を個人に提供しています。

P2Pレンディングが急成長するためには、ビジネスプロセスの自動化に継続的に投資する必要があると考えられています。貸し手は、大部分が自動化されたオンボーディング、ローンの支払い、およびローンのサービスを提供する必要がありますが、ローンの引受プロセスを完全に自動化する作業は残っています。プロセスを自動化することで、P2Pの貸し手は、次に新しい借り手と新しい投資家の獲得に集中できるようになります。これにより、ローンの引受にかかる全体的なコストが以前の数分の1に削減されます。

当レポートは、ASEANにおけるP2Pレンディング市場について調査しており、市場の成長や戦略および洞察、主要企業のプロファイル等の情報を提供しています。

目次

戦略的命令および成長環境

  • 戦略的命令
  • 成長環境

FrostRadar

  • FrostRadar:ASEANのP2Pレンディング市場
  • FrostRadar:競合環境

活躍する企業

  • Acudeen Technologies (Acudeen)
  • PT Amartha Mikro Fintek (Amartha)
  • B2B Finpal Sdn Bhd (B2B Finpal)
  • Beehive P2P Ltd (Beehive Asia)
  • Capital Match Holdings Pte Ltd (Capital Match)
  • CoAssets Limited (CoAssets)
  • PT Pasar Dana Pinjaman (Danamas)
  • eLoan Joint Stock Company (eLoan)
  • First Circle Growth Finance Corp. (First Circle)
  • Peoplender Sdn Bhd (Fundaztic)
  • Funding Societies Modalku Pte Ltd (Funding Societies)
  • PT Investree Radhika Jaya (Investree)
  • PT Lunaria Annua Teknologi (KoinWorks)
  • Peerpower Platform Company Limited (PeerPower)
  • SeedIn Technology Pte Ltd (SeedIn)
  • Validus Capital Pte Ltd (Validus)

戦略的洞察

FrostRadarの活用

FrostRadar分析

目次
Product Code: PAEE-33

A Benchmarking System to Spark Companies to Action - Innovation that Fuels New Deal Flow and Growth Pipelines

The Association of Southeast Asian Nations (ASEAN) peer-to-peer (P2P) lending industry is disrupting the small and medium enterprise (SME) loan market that is primarily served by banks. P2P lenders are launching products that use technologies such as machine learning and artificial intelligence (AI) to shorten the entire lending process from more than 4 weeks to 1 week or less. P2P lending platforms complement the existing financial system and empower individuals with an alternative investment opportunity that did not previously exist.

The role of SMEs among ASEAN member states is significant, contributing between 36% (Thailand) and 57.0% (Indonesia) to their country's GDP. Despite underpinning the region's economic growth, many SMEs in ASEAN countries cannot obtain loans from mainstream commercial banks (including government-assisted loans), which forces them to struggle with day-to-day business. P2P lending platform providers look to fill this gap by extending services to the un- or under-banked SME segment of the market. The gap is particularly large in Indonesia, the Philippines, and Vietnam.

For a P2P lender to grow at breakneck pace, it should continually invest in automating business processes. Although lenders have to a large extent automated on-boarding, loan disbursement, and loan servicing, work remains to fully automate the loan underwriting process. Automating their processes positions P2P lenders to focus next on acquiring new borrowers and new investors, which will bring down the overall cost of underwriting a loan to a fraction of previous rates.

P2P lenders must target more customer segments, offering them customized products that appeal to their specific needs. For example, Funding Societies' introduction of a loan geared toward used car dealers is a first-of-its-kind offering in the region. P2P lenders should also look to expand beyond their local reach, taking their offerings and experience in servicing loans for SMEs from one geographic location to another.

In a field of more than 250 ASEAN industry participants, Frost & Sullivan independently plotted 16 notable companies in this Frost Radar™ analysis based on their excellent growth or innovation capabilities. The Frost Radar™ reveals the market positioning of companies in an industry using their Growth and Innovation scores as highlighted in the Frost Radar™ methodology. The document presents competitive profiles on each of the companies in the Frost Radar™ based on their strengths, opportunities, and a small discussion on their positioning. Frost & Sullivan analyzes hundreds of companies in the industry and benchmarks them across 10 criteria on the Frost Radar™, where the leading companies in the industry are then positioned. Industry leaders on both the Growth and Innovation indices are recognized as best practice recipients.

Table of Contents

Strategic Imperative and Growth Environment

  • Strategic Imperative
  • Growth Environment

Frost Radar™

  • Frost Radar™: ASEAN P2P Lending Market
  • Frost Radar™: Competitive Environment
  • Frost Radar™: Competitive Environment (continued)

Companies to Action

  • Acudeen Technologies (Acudeen)
  • Acudeen (continued)
  • PT Amartha Mikro Fintek (Amartha)
  • Amartha (continued)
  • B2B Finpal Sdn Bhd (B2B Finpal)
  • B2B Finpal (continued)
  • Beehive P2P Ltd (Beehive Asia)
  • Beehive Asia (continued)
  • Capital Match Holdings Pte Ltd (Capital Match)
  • Capital Match (continued)
  • CoAssets Limited (CoAssets)
  • CoAssets (continued)
  • PT Pasar Dana Pinjaman (Danamas)
  • Danamas (continued)
  • eLoan Joint Stock Company (eLoan)
  • eLoan (continued)
  • First Circle Growth Finance Corp. (First Circle)
  • First Circle (continued)
  • Peoplender Sdn Bhd (Fundaztic)
  • Fundaztic (continued)
  • Funding Societies Modalku Pte Ltd (Funding Societies)
  • Funding Societies (continued)
  • PT Investree Radhika Jaya (Investree)
  • Investree (continued)
  • PT Lunaria Annua Teknologi (KoinWorks)
  • KoinWorks (continued)
  • Peerpower Platform Company Limited (PeerPower)
  • PeerPower (continued)
  • SeedIn Technology Pte Ltd (SeedIn)
  • SeedIn (continued)
  • Validus Capital Pte Ltd (Validus)
  • Validus (continued)

Strategic Insights

  • Strategic Insights

Next Steps: Leveraging the Frost Radar™ to Empower Key Stakeholders

  • Significance of Being on the Frost Radar™
  • Frost Radar™ Empowers the CEO's Growth Team
  • Frost Radar™ Empowers Investors
  • Frost Radar™ Empowers Customers
  • Frost Radar™ Empowers the Board of Directors

Frost Radar™ Analytics

  • Frost Radar™: Benchmarking Future Growth Potential
  • Frost Radar™: Benchmarking Future Growth Potential
  • Frost Radar™: Benchmarking Future Growth Potential
  • Legal Disclaimer
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