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  "documentTitle": "e-Conomy SEA Unlocking the $200 billion digital opportunity in Southeast Asia",
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  "authorName": "Google, Temasek, Bain",
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      "text": "Of the nearly 400 million adults in Southeast Asia, only 104 million are fully “Banked” and enjoy full access to Financial Services. Another 98 million are “Underbanked”, with a bank account but insufficient access to credit, investment and insurance, while 198 million remain “Unbanked” and do not own a bank account. Millions of small and medium enterprises also face large funding gaps.",
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      "text": "There are many reasons for this. One is cost. In a sprawling region where physical infrastructure is mostly lacking, it is prohibitively expensive for financial institutions to build physical branches that can serve all customers. Other challenges include the absence of public registers, identification systems and reliable credit information, all of which are basic prerequisites for financial institutions. Moreover, banking is a tightly regulated sector in many Southeast Asian nations. Competition and innovation, as a result, have been stifled.",
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      "text": "Southeast Asians have insufficient access to many of the basic Financial Services that people in developed economies take for granted. While new Financial Services business models enabled by technology appear well-positioned to solve this challenge, adoption and usage are still limited in the region. “Fulfilling its Promise - The Future of Southeast Asia’s Digital Financial Services”, a focused research project led by Bain & Company in collaboration with Google and Temasek, aims to shed light on this conundrum that remains unresolved.",
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