Grab

Ultimately, leading players want to take over the rest of the finance space leveraging their user base, technology and brand. Payment companies doing loans. Payroll providers starting to act like aggregators of services. Accounting solutions doing planning. Expense management platforms doing procurement.

Meanwhile, Chinese firms have set themselves apart with great payments and delivery in countries where physical infrastructure hasn’t always been great. The problem here is that payments and delivery work very differently in different countries — as the Economist puts it, becoming a distribution expert in the city-state of Singapore doesn’t teach y

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