31 min
Philippines Digital Banking | Kalidas Ghose, UNO DigFin VOX
-
- Careers
Kalidas Ghose is co-founder and chairman of UNO Digital Bank, one of six purely digital banks licensed to operate in the Philippines. UNO’s parent company just raised $32.1 million in additional venture-capital funding.
Ghose speaks with DigFin‘s Jame DiBiasio about the opportunities for digital banking in the Philippines, the question of deposit size versus customer numbers, the challenges of non-performing loans, and expected innovations around digital identity and open banking.
He also compares the Philippines’ fintech environment to that of Vietnam, where for many years he ran one of Vietnam’s leading digital lenders.
Timecodes:
0:00 – Kalidas Ghose, UNO Digital Bank
1:40 – UNO’s competitive offering
4:58 – Tiny deposit size versus growing user numbers
8:50 – Onboarding the unbanked
10:00 – Incentives to attract customers
11:15 – The funding model
12:31 – The challenge of high non-performing loan ratios
16:03 – UNO’s strategy as a pure startup
19:00 – Partnering with GCash
22:01 – Kali’s experience in Vietnam
24:58 – Central bank initiatives and open banking
28:18 – New business services for small businesses
Kalidas Ghose is co-founder and chairman of UNO Digital Bank, one of six purely digital banks licensed to operate in the Philippines. UNO’s parent company just raised $32.1 million in additional venture-capital funding.
Ghose speaks with DigFin‘s Jame DiBiasio about the opportunities for digital banking in the Philippines, the question of deposit size versus customer numbers, the challenges of non-performing loans, and expected innovations around digital identity and open banking.
He also compares the Philippines’ fintech environment to that of Vietnam, where for many years he ran one of Vietnam’s leading digital lenders.
Timecodes:
0:00 – Kalidas Ghose, UNO Digital Bank
1:40 – UNO’s competitive offering
4:58 – Tiny deposit size versus growing user numbers
8:50 – Onboarding the unbanked
10:00 – Incentives to attract customers
11:15 – The funding model
12:31 – The challenge of high non-performing loan ratios
16:03 – UNO’s strategy as a pure startup
19:00 – Partnering with GCash
22:01 – Kali’s experience in Vietnam
24:58 – Central bank initiatives and open banking
28:18 – New business services for small businesses
31 min