Strategic Insights

Plugging Hong Kong’s SME Credit Gap: Reinventing the SME Lending Proposition

In this report, we explore the various challenges encountered by SME lenders, including traditional and digital banks and non-bank financial institutions, that have contributed to Hong Kong’s persistent SME credit gap. We also explore the implications of these challenges on the SME customer journey, including outlining how local lenders can reinvent their SME lending propositions – in particular, by way of algo-based lending.
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Research Overview

Summary of Key Challenges

Capturing Untapped Opportunities

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