Kelvin Teo

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586 appearances 1 recordings 1 series first heard Mar 2026 last heard 15 Mar

Kelvin Teo’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Mar 2026 with 1.

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BRAVE Southeast Asia Tech: Singapore, Indonesia, Vietnam, Philippines, Thailand & Malaysia Startups, Founders & Venture Capital VC (English) · How Kelvin Teo Built Southeast Asia’s Largest SME FinTech Empire - E678 · 15 Mar 2026 podcast

But I think the second thing that also stands out very critical was that was thinking from a first principle perspective, right?

Because I think partly because of McKinsey training, we didn't go by that this is how like this is what the banks do it.

Therefore, we must do it.

Of course, we treat what banks do it with a lot of respect and we try to learn how they do it and whatnot.

But we basically think from a first principle perspective, right, that at the end of the day, credit is really ability to pay and willingness to pay, right?

And that and it's usually synthesized into five C's of credit, which is capital, collateral, character, condition as well as capacity, right?

So okay, the banks ask for capital, collateral, and of course character.

And if you think about

But it's really because of the business model that ultimately banks make the most of the money through interest income when it comes to loans and so on.

And which also means that they can't give and give a three to five years loan.

But how do you know?

If a SME will survive three to five years by making sure that the big company has this capital or they have collateral, that the company may not be alive, but that how the asset will still be alive, that can get back the money.

So we know that we can't win this game.

So how do we structure it?

So copying or modeling after some of the other fintech companies in the US and China or also.

So we actually did study some of our peers quite a bit globally to see what things that we can learn and stuff.

Um we decided to structure the business on the

Opposite way, right?

That they focus on capital collateral and character.

We look at character, capacity, and condition.

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