The Convergence of eCommerce and Payments in Southeast Asia – Todd Schweitzer
summary
Brankas runs open-banking APIs across Singapore, Indonesia, Philippines, Vietnam and Thailand with ~70 staff and powers concrete products: direct debit inside GCash that links UnionBank accounts with a 15‑second onboarding and instant top-ups; GCash + CIMB’s co‑branded gSave for instant cash‑in; Tokopedia offers merchant loans from 11 lenders inside the seller flow; corporate feeds into Xero and SCB’s in‑app e‑mall enable one‑click checkout and instalment loans. Statement aggregation remains limited and regulators are building sandboxes.
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chapters (12)
- 0:00Intro
- 2:01About Me
- 4:27Why does SE Asia fintech matter?
- 7:33Direct Debit "Pull Payments" (PISP model)
- 8:46Account Opening through Partner Apps
- 9:45Statement Aggregation - Personal (AISP Model)
- 11:18Third Party Authentication
- 12:15Financing marketplace on eCommerce Merchant Site
- 14:11Incumbent bank with digital marketplace
- 17:12Why do Bank choose to launch API Products?
- 18:50Beware of organizational blockers
- 20:56Questions?
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