Kelvin Teo

speaker

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

numbers that hey, your numbers look very good in the next six months, but based on the psychicity of this industry in three months' time you're gonna see it down.

So can I actually trust this number to be replaced at the future?

No.

So I need to adjust accordingly, right?

Number two is also what's the sensitivity of variability of of the various costs and revenue, right?

Assuming that the worst case sensitivity hits like how much cash flow can you actually support for repayment?

Mm-hmm.

And then finally, what are the alternative sources of repayment that we can pay us, right?

Not just based on the business.

So I think it's a lot of better scars as well as accumulation of 10 years' worth of data set that has enabled us to navigate.

That's why to actually to an extent we see us I think the original thesis that hey we'll be able to hold our ground despite big tech companies coming in, I think has gradually proven just because because of SMEs, the key success factor is not just distribution or technology, right?

A lot of it is just historical data.

And this historical data, especially for lunar payment data, is extremely hard and expensive to get.

Relative to what a big tech company is giving, right?

Just a basic example that for consumer lending, let's say you can give a thousand dollar USD loan, it's quite a decent amount of decent size, right?

And if you want to build a unique a decent model, 10,000 unique borrowers, um, that's not it's just 10 million dollars, it's doable.

If uh as an RD cost, right?

You'll just burn it and you get enough data also.

But if you imagine for SME lending, $10,000 is not a very big number in the first place.

And if you want 10,000 unique borrowers,

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