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" ... Aside from new requirements stipulating that Ant hold more loans on its own balance sheet and curbs on its joint-lending program, regulators are also seeking to rein in the wide reach of the firm’s consumer lending products. According to a post on the PBOC’s website, authorities told Ant to break an “inappropriate link” between its microlending and payment services. ... "
" ... Mobility super apps, like Grab, Gojek and Careem, have all pushed into financial services, enabling them to capitalize on the large number of unbanked consumers in their regions. This notion of providing a service for the greater good was a key part of Grab’s brand positioning when it announced its strategic shift into financial services in March 2018. The same drivers who are transporting people and goods are also deployed as roaming ATMs, allowing riders to cash money in or out. Drivers themselves also gained greater access to financial services like insurance, as well as microlending. While Uber will face stiff competition in developed markets like the U.S., it could make inroads into emerging markets that are not well serviced by other financial service providers. ... "