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  "documentTitle": "e-Conomy SEA 2020 At full velocity: Resilient and racing ahead",
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  "notes": "The slide uses a stacked bar chart to show the growth of SMB and Consumer lending from 2019 to 2025.",
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      "text": "As loan moratoriums expire towards end-2020, NPLs are expected to rise sharply.",
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      "text": "Continued innovation and infrastructure improvement. Infrastructure such as Singapore's MyInfo (electronic KYC) has already unlocked more online lending.",
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      "text": "Spike in NPLs puts some lenders on shaky ground. As loan moratoriums expire towards end-2020, NPLs are expected to rise sharply. While banks in the region have been shoring up reserves, lender confidence remains low.",
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      "text": "Growth in the long run. As the online lending customer base expands, alongside SME's digital adoption (e.g. e-Commerce offering pay-later options), sustained growth will ensue in the years to come.",
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      "text": "Government intervention slightly softens the blow. Governments across the region have intervened aggressively through loan moratoriums, restructuring, stimulus packages, tax incentives, and interest rate adjustments.",
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      "text": "Source: Bain Analysis; NPL = Non Performing Loans",
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      "text": "Digital Lending set back by concerns over credit quality",
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