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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": "The underbanked are likely to be the true growth engine for Digital Financial Services players.",
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      "text": "Each of the three consumer segments we introduced earlier - the banked, underbanked and unbanked - presents different opportunities when it comes to Digital Financial Services. Different players have their own strengths that could unlock potential growth prospects.",
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      "text": "Banked consumers, who already have full access to Financial Services, sit in the playing field of Established Financial Services Players. These players already have existing customer relationships, deep Financial Services expertise, balance sheet capacity and consumer trust. The key to winning more consumers over? Better user experience, lower service fees, higher returns and better rewards. To this end, banks and insurance companies that are able to digitize faster are best positioned to serve a growing share of the banked consumers.",
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      "text": "The underbanked are likely to be the true growth engine for Digital Financial Services players. For Internet users among them, technology can bring down costs to serve and bridge the gap in data availability. Over the next few years, this segment will make up the main battleground as players from all four categories compete to win their trust. Consumer Technology Platforms, with their large and engaged user base, are well-placed to serve the needs of this segment.",
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      "text": "Serving the unbanked consumers, on the other hand, is the most difficult undertaking. For a start, acquiring them is expensive when compared to the value they return in terms of service fees, interest rates and assets under management. Serving them sustainably has proven difficult even for digital financial players.",
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      "text": "According to most experts we interviewed, a common ask among Digital Financial Services players is to keep policies consistent and predictable. Companies and investors must commit significant resources to start and scale businesses, yet the returns are uncertain and can only be reaped down the line. The biggest drag on investment levels is the uncertainty surrounding regulations and the risk that entire business models may suddenly become unviable.",
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      "text": "This means that, contrary to common belief, Digital Financial Services may not be a panacea to the unbanked population. Among all, Established Consumer Players are best placed to reach them economically through their existing physical distribution networks. Governments, however, will need to play an active role in unlocking the financial inclusion of this segment.",
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