Published on 
April 7, 2022

The new frontier of investment: Southeast Asia’s consumer credit

By 
Aleksandra Yurchenko

7th April 2022

BNPL Debt as a New Asset Class

The region’s private credit markets are emerging as the next big opportunity for investors who are searching for higher yielding assets, and Kilde is making a unique play for this under-tapped asset class.

With e-commerce experiencing strong growth during the pandemic, popularity in ‘Buy Now, Pay Later’ (BNPL) platforms has emerged as an alternative to credit cards. This, coupled with the fact that Southeast Asia had never fully adopted the credit card business model, has driven the growth in BNPL companies.

Radek Jezbera, Kilde's CEO, spoke to Liza Tan of Finance Asia about growing private debt and BNPL opportunity in the region and how it contributes to the matter of financial inclusion. In developing countries BNPL is often the first product that many consumers will use when it comes to banking. From investors' perspective, BNPL loans represent income-generating assets with attractive yield and low volatility, with delinquency rates in most major markets significantly lower than those of unsecured consumer loan products.

Read the full article here

About Kilde

KILDE is a regulated investment platform for alternatives. It operates as a two-sided platform helping investors to discover and buy securitised private investments and borrowers to get liquidity for their operation. Its main asset classes are private debt, venture debt, and recurring revenue financing. KILDE has partnered with leading non-banking consumer lending firms to give our investors safe and controlled access to consumer lending assets. Its advantage is vast accumulated data on consumer assets performance as well as scalable investment and securitisation technology platform.

To learn more about KILDE, visit the website at: https://kilde.sg/

About the author

Aleksandra Yurchenko

Aleksandra Yurchenko

Aleksandra is managing investor relations at KILDE, a regulated platform for alternative investments. KILDE is powering digital lending firms with debt capital to reach underbanked customers in South East Asia.

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