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Kartik taneja presentation

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Kartik Taneja

The document discusses opportunities for consumer lending in Asia, where emerging markets have lower levels of unsecured debt compared to developed regions. It argues that lenders need to shift to the point of customer decision-making by integrating lending seamlessly into transactions. With application programming interfaces and use of alternative customer data, intelligent underwriting can offer personalized lending solutions beyond traditional loan structures.

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The Blue Ocean of consumer lending Kartik Taneja Standard Chartered Bank 对于翻译不好，我提前致歉
Personal borrowing drives the world 个人借款驱动世界 Global (全球) GDP $75T Global household debt (全球家庭债务) $37T Global unsecured debt* (全球无担保债务) ~$8T Source: The World Bank, top 50 markets, 2016 * Estimated from World Bank data
The Blue Ocean exists in Asia 蓝色海洋存在于亚洲 N. America + Europe $5.3T 15%* Developed Asia $1.5T 20%* $95B 4%* Latam Emerging Asia $1T 7%* *Unsecured debt to GDP 无担保的债务与GDP比率
Lending needs to be contextual 贷款需要上下文 Decision to buy = Decision to fund 决定购买=决定资助 We need to “Shift Left” – Move to the point of decision rather than after the fact 我们需要“左移” - 走向决策点而不是事后
Lending needs to be invisible 贷款需要隐形 Learn from competitors – integrate lending into buying 向竞争对手学习 - 将贷款融入购买 90s was about AIP (Approval in Principle) now its about API (Application programming interface) 0年代是对于AIP（原则上批准）现在它的API（应用 程序编程接口）
Lending needs to be intelligent 贷款需要聪明 Soft data improves hard data 软数据改善了硬数据 Payment, purchase, social and telecom data make acceptable scorecards 付款，购买，社交和电信数据制作可接受的记分卡 Can they replace bureau? 他们可以取代局吗？
Lending needs to be more personal 贷款需要更加个性化 Move beyond traditional loan structures 超越传统的贷款结构 15% 20% 24% 18% 0% $10 Fee
To Summarize The opportunity in personal lending is huge in Asia 个人借贷的机会在亚洲是巨大的 The need is to “shift left” 需要“左移” Integrate into the transaction to be invisible 集成到交易中是不可见的 FinTech creating ecosystem of APIs to make lending seamless FinTech创造API的生态系统以实现无缝贷款 Customer level underwriting enables proactive solutions 客户级别承保能够提供积极的解决方案

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Kartik taneja presentation

  • 1. The Blue Ocean of consumer lending Kartik Taneja Standard Chartered Bank 对于翻译不好，我提前致歉
  • 2. Personal borrowing drives the world 个人借款驱动世界 Global (全球) GDP $75T Global household debt (全球家庭债务) $37T Global unsecured debt* (全球无担保债务) ~$8T Source: The World Bank, top 50 markets, 2016 * Estimated from World Bank data
  • 3. The Blue Ocean exists in Asia 蓝色海洋存在于亚洲 N. America + Europe $5.3T 15%* Developed Asia $1.5T 20%* $95B 4%* Latam Emerging Asia $1T 7%* *Unsecured debt to GDP 无担保的债务与GDP比率
  • 4. Lending needs to be contextual 贷款需要上下文 Decision to buy = Decision to fund 决定购买=决定资助 We need to “Shift Left” – Move to the point of decision rather than after the fact 我们需要“左移” - 走向决策点而不是事后
  • 5. Lending needs to be invisible 贷款需要隐形 Learn from competitors – integrate lending into buying 向竞争对手学习 - 将贷款融入购买 90s was about AIP (Approval in Principle) now its about API (Application programming interface) 0年代是对于AIP（原则上批准）现在它的API（应用 程序编程接口）
  • 6. Lending needs to be intelligent 贷款需要聪明 Soft data improves hard data 软数据改善了硬数据 Payment, purchase, social and telecom data make acceptable scorecards 付款，购买，社交和电信数据制作可接受的记分卡 Can they replace bureau? 他们可以取代局吗？
  • 7. Lending needs to be more personal 贷款需要更加个性化 Move beyond traditional loan structures 超越传统的贷款结构 15% 20% 24% 18% 0% $10 Fee
  • 8. To Summarize The opportunity in personal lending is huge in Asia 个人借贷的机会在亚洲是巨大的 The need is to “shift left” 需要“左移” Integrate into the transaction to be invisible 集成到交易中是不可见的 FinTech creating ecosystem of APIs to make lending seamless FinTech创造API的生态系统以实现无缝贷款 Customer level underwriting enables proactive solutions 客户级别承保能够提供积极的解决方案