Digital lenders across the Asia Pacific tend to face the same set of pressures. In some countries, large populations remain unbanked and still need formal access to credit. Lenders also face customers who expect access to credit within the same superapps they use for payments and everyday spending.
Couple this with the need to constantly launch new products without spending months rebuilding the underlying technology each time, and it makes one thing clear: that in lending, speed and flexibility matter as much as reach and accessibility.
How can your lending business scale responsibly and effectively, especially when speed to market is critical? The answer lies in pairing a configurable, cloud-native lending core with deep knowledge of the local market it serves.
GCash, the leading finance superapp operated by Mynt (Globe Fintech Innovations, Inc.), has built a lending business through Fuse Financing Inc., which now serves more than 11 million borrowers across the Philippines, with Mambu as its lending core.
To explore how this plays out in practice, we spoke with David Becker, the Managing Director and Head of APAC Sales at Mambu, and Maribeth Tiu, the Chief Technology and Operations Officer at Fuse Financing Inc.
Fuse’s lending business started with one simple aim: to give Filipinos access to credit. Borrowing needs in the Philippines were far from uniform.
“We wanted the right type of credit for different moments in the customer’s financial life, because most of them already have access to credit,” Maribeth said.
Mynt moved to Mambu’s cloud-native platform back in 2017, after its previous setup became a constraint.
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