BNPL is on rapid growth among youth and young consumers in Southeast Asia including Malaysia and Indonesia. The idea of some providers to serve the underbanked or underserved is somewhat misleading. Although economically this segment is quite large, their ability to repay is quite concerning.

Design thinking is a creative problem-solving approach that is human-centric, empathetic, and iterative. If you’re looking to foster innovation in your organization, understanding and implementing design thinking is a must. It paves the way to generate novel ideas, refine existing processes, and create user-friendly products and services.