Migrant workers

Customer segment profile Opportunities in the market segment Case study

There are almost 164 million migrant workers
today, and numbers are projected to increase.
Context:
Addressable needs How can FIs help? A bank based in Southeast Asia is seeking ways to provide an extensive suite of financial
services designed to meet the typical everyday needs of migrant workers.
Opportunities: Worldwide, cross-border remittance has grown 600% in the last two
decades. The top global remittance country is India, where US$70 billion flowed, with
China second at US$64 billion. Developing countries received over 75% of US$636

Remittance
As trends move toward embracing digital billion remittances in 2017. The World Bank estimates that if the cost of remittances
lifestyles and open attitudes towards migration, could be reduced by 5 percentage points relative to the value sent, recipients in
there is an increasing demand for digital developing countries would receive over US$16 billion more each year than they do now.
solutions catering to the specific day-to-day Digital, one-stop mobile solutions that allow Recommended solution:
financial needs of migrant workers. Growing need for cost-effective and
process-efficient remittance methods. financial institutions (FIs) to bypass agent- The bank has developed an all-in-one mobile banking solution which includes:
send networks making remittance for migrant
workers instantaneous and cost-effective. • Verification of salary disbursement, tracking of incoming and outgoing transactions,
and integration of digital payments and wallets into the app.
Blue-collar White-collar • Remittance services that allow migrant workers to transfer funds to predefined
workers workers recipients without having to go through a manual process.
Personal Loans

• Other on-app services: Sales of telecommunication services, group insurance for

Professionals, managers and executives migrant workers, and discounted airfares back to their home countries.

Global trends Digitally-savvy migrant worker
population signifies increasing need for
Growth in the number of global migrant workers mobile loan procedures that use
alternative credit scoring platforms.
Hassle-free, secure, and accurate on-mobile
microfinancing platform for migrant workers
that disburses loans they qualify for via
psychographic digital footprint tracking.
Client impact:
• Increased efficiency with the removal of manual verification and physical contracts.
• Increased customer satisfaction with streamlined payment system and digital financial
services.

2017
Management

2013 Contact us:

Financial

150 million 164 million

More demand for mobile solutions for migrant workers Varun Mittal varun.mittal@sg.ey.com
Mobile and online peer-to-peer (P2P) global remittances will Rising necessity for time-efficient deposit Capitalize on smart contracts that accurately,
processes, with personalized user- securely, and instantaneously credit the Partner https://www.linkedin.com/in/
exceed US$300 billion by 2021, a 33% increase from $225 EY Global Emerging Markets varunmittalonline
interfaces for migrant workers. correct salary into bank accounts on payday
billion in 2018, forming 61.8% of all migrant worker itself. FinTech Leader
remittances in 2018.

© 2019 EYGM Limited. All Rights Reserved. ED None

 Small and Medium Enterprises (SMEs)
Customer segment profile Opportunities in the market segment Case study
Context:
Addressable needs How can FIs help? A bank is looking into issuing loans to online retailers. However, it is difficult to assess
Increasingly, SMEs act as engines of economic the credit risk of SMEs without data points.
growth and laboratories for innovation - helping
to build modern economies that improve people’s
lives. Opportunities:

Insurance
Over 67.8% of SMEs prefer non-traditional financing options. Banks are moving towards
offering peer-to-company (P2C) loans by coming up with specialized loans for SMEs.
This is especially true in Emerging Markets
(EMs) where SMEs account for 80% of jobs Provide customizable modular insurance Recommended solution:
and 33.3% of GDP. Growing need for cost-effective insurance based on the size, budget and needs of the
management solutions catered to SMEs. company, while automating claims for a • Partner with online retailers and offer loans to sellers on those platforms.
seamless user experience. • Lenders must have conducted some transactions before they are eligible for the loans.
• Loan payment will be collected by deducting money monthly form the seller’s
However, SMEs face high barriers in accessing account.
finance to scale their businesses. • In the event where the lender is unable to repay loans, their inventory will be
liquidated and sold off to recoup the money. Money can also be recouped directly
from the lender’s bank account or credit card.
Accounting

Global trends
Rising demand for automated accounting One-stop platform for all SMEs needs
processes such as reconciliation and including invoicing, submitting expenses Client impact:
Informal 70% Estimated no. of
Formal Micro (<5 FTE) 18% expense reporting. and bank reconciliation using an app. • Total loan amount being disbursed in a year: US$1 Billion.
SMEs in EMs
Formal SME (>5 FTE) 7% • Eliminated risk of default by liquidating assets of lenders.
(365 million -445
SME million)

Contact us:
Loans

70% 82% 78%

Varun Mittal varun.mittal@sg.ey.com

70% of all SMEs 82% of SMEs in ASEAN Of which, 78% There is a growing need for SME loans Assess credit risk via alternative credit Partner https://www.linkedin.com/in/
in EMs lack prefer to invest in would prefer that do not require collateral. scoring using aggregators such as EY Global Emerging Markets varunmittalonline
business-oriented FinTech Leader
access to credit technology as a means to tools information collected from retailers.
raise productivity

© 2019 EYGM Limited. All Rights Reserved. ED None

 Entrepreneurs
Customer segment profile Opportunities in the market segment Case study
Context:
A bank was looking for a solution to offer funding to entrepreneurs with inconsistent
From young to old, there is a rise in the number of Addressable needs How can FIs help? revenue stream and a small amount of information on credit worthiness. It is difficult to
people interested to start their own business. assess the risk of providing loans to budding entrepreneurs with no past track records. It is
Currently, there are 400 million entrepreneurs in also time consuming and slow to utilize paper business loan application.
the world.
Opportunities:

Insurance
Provide customizable modular
insurance based on the size, budget Median year-on-year decrease in bankruptcy rates stood at an average of 7.5% since 2012,
and needs of the company, while reflecting improved economic climates for entrepreneurs.
67% of entrepreneurs cited the lack of capital automating claims for a seamless
and cash flow management as their the top user experience.
concern. Growing need for cost-effective insurance Recommended solution:
management solutions catered to
entrepreneurs. We recommend utilizing a digitalized loan application process which allows loans to be
applied online, providing convenience to busy entrepreneurs.
Entrepreneurs may not be able to enjoy benefits
• Every loan application will automatically run through a bank’s risk model.
full-time employees have, such as insurance
plans which is often at the back of their mind. • Detailed reports are generated for lenders to monitor borrowers loan activity and
credit spread.
Automatic and accurate evaluation
Raising Capital

of entrepreneurs’ risk by analyzing

their digital footprint.
Client impact:
Increased profitability for banks to • Improved customer satisfaction with efficient and simple loan application process.
Global trends provide loans to entrepreneurs by
Increase demand for alternative forms of • Reduced time taken for loan applications and approvals from hours to minutes.
credit scoring for new entrepreneurs who converting their illiquid assets to
digital assets. • The automated decline function freed up loan officers’ time.
June’17 June’18 may experience income volatility, and
Loan Approvals have insufficient collateral. • Removed the need for bank’s customers to physically visit a branch office to apply
26.1% for loan.
Big Banks 24.3%
49.6%
Small Banks 48.7%
64.8%
Institution lenders Automate payments to ensure timely
Management

63.8%
cash inflow from customers using
Contact us:
Financial

ledger technology.

41% One-stop digital solution that

66%
77% Varun Mittal varun.mittal@sg.ey.com
manages company finances including Partner https://www.linkedin.com/in/
Increasing need for a convenient and forecast adjustment based on intrinsic
66% of the people 77% of small business 41% of business hassle-free cash flow management EY Global Emerging Markets varunmittalonline
worldwide think rely on personal savings owners do not have life
and extrinsic factors.
solution that improves entrepreneurs’ FinTech Leader
entrepreneurship is a good for their initial funds. insurance.
career choice. bargaining power.

© 2019 EYGM Limited. All Rights Reserved. ED None

 The Future Silver Economy
Customer segment profile
The 'Silver Economy’ traditionally refers to
older people between 65 and 75 who retired.
Investments
In 30 years time, the number of people aged 60
years or over would have doubled. Over half of
the those aged below 30 years are worried
about growing older.
They are often concerned about saving up for
their retirement fund and health implications
that may arise from ageing.
Insurance
Global trends
Globally, population aged 60 or over is growing
faster than all other age groups.
Management
Financial
Additionally, the number of people with
dementia worldwide is expected to increase to
82 million in 2030. This creates concern for
their financial management as they age.
Growth
© 2019 EYGM Limited. All Rights Reserved. ED None
Opportunities in the market segment
Addressable needs
Increased demand for customized
portfolio management for elderly as they
age and develop health complications.
Burgeoning elderly population requires
convenient insurance solution with user-
friendly interface catered to their needs.
Rising importance of secure, easy-to-use
and reliable banking services provider for
the elderly as they are susceptible to
identity theft.
How can FIs help?
Provide a convenient and reliable
investment tracking tool that can
automatically rebalance their portfolio with
minimal monitoring.
Simplified, voice-activated, one-stop claims
solution which can share receipts with
insurance company and provide customer
service support.
Real-time, 24/7 interface to explore financial
planning in a cost-effective way, built on a
secure platform that monitors clients’ financial
activities, identifying signs of exploitation or
anomalies.
Case study
Context:
A bank is looking to make banking services more reliable and secure for the elderly
through guarding them against identity theft, as well as help them manage their finances
in a personable yet efficient fashion.
Opportunities:
The global silver economy is estimated to be valued at US$15 trillion by 2020.
Recommended solution:
• Integrating a machine-learning solution that understands the specific customer’s
financial profile, and identifies any suspicious behavior which differs considerably
from his usual financial activity.
• In the event where there may be suspicious behavior, alerts are automatically sent to
trusted family members, lawyers, or advisors.
• The machine-learning solution is able to understand financial behavior, such as
whether an individual is a net saver or net spender, and provides financial planning
and investment advice following the analysis.
Client impact:
• Earned the trust of the elderly clientele as a bank that is able to make transactions
secure and efficient.
• Streamlined and value-added digital customer service for a new growth market,
enabling the bank to have a stronger market hold compared to future competitors.
Contact us:
Varun Mittal varun.mittal@sg.ey.com
https://www.linkedin.com/in/
Partner
EY Global Emerging Markets varunmittalonline
FinTech Leader
 Rural Agri-Laborers
Customer segment profile
Farming and Agricultural operations employ
40% of Thailand’s 33 Million person workforce,
with an estimated contribution of 10% to the
national GDP.
Financing
Majority of the farms are family-run and smaller
in scale, making it difficult for them to secure
financing for their operations.
These farms rely on outdated methods of
recording transactions and contracts.
Insurance
Debt profile – Thai farmers
Average amount borrowed by loan
B$21.59
sharks in a year to finance farm
Billion
operations and higher entry costs.
B$338 Accumulated debt for a rural-agri
Payments
Billion farmers, due to high interest rate.
Estimated increase in average annual
income by 2037, stipulated in the
700%
government’s “Thailand 4.0” economic
model.
© 2019 EYGM Limited. All Rights Reserved. ED None
Opportunities in the market segment
Addressable needs
A growing segment of agri-laborers need
flexible loan arrangements for seasonal
fluctuations in crop produce.
Rising need for crop insurance given the
wider variability in crop yield.
Digital ledger that records transactions
and contracts to build trust between
buyers and sellers.
How can FIs help?
Implement a solution that allows agri-
laborers to instantly withdraw funds as
needed as opposed to a lump sum loan.
A financial product that allows agri-laborers
to insure the most valuable portions of their
crops, hedging the risk of a potential poor
harvest and minimize losses.
One-stop mobile solution that records terms
of contract and automates payments.
Case study
Context:
A financial institution was looking to implement a payment solution for one of its major
clients, a farming corporation with over 100,000 independent farmers and 154 buying
centers. Farmers would come to these buying centers to sell their produce, and in return
given cash. However this proved to be problematic as on occasion, over €120,000 was
being transferred daily, leading to the potential of robbery, staff misappropriation of
money, and the added logistics of depositing large amounts of cash into bank accounts
daily.
Opportunities:
Thailand’s agricultural export accounts for 8.4% of her GDP which amounts to USD 38.2
billion.
Applicable solution:
• Implement a web based system that allows produce to be weighed, and then
processing payments to vendor accounts upon completion.
• Automate most of the sale process, by only requiring personnel to spot check
products for quality control before automatically weighing.
Client impact:
• Generated credit scores using historical earnings of farmers, which can be utilized
should they wish to apply for a bank loan.
• Increased bank efficiency by reducing the amount of cash the bank counts and
handles each day.
Contact us:
Varun Mittal varun.mittal@sg.ey.com
Partner https://www.linkedin.com/in/
EY Global Emerging Markets
varunmittalonline
FinTech Leader
 Students Studying Abroad
Customer segment profile Opportunities in the market segment Case study
Context:
A large bank was looking to provide a simplified banking solution for students abroad,
Addressable needs How can FIs help? who often face difficulties managing their personal finances. The implementation of a
With the world continuing to become connected, digital system would provide a seamless banking experience at an affordable cost for
more students have begun to recognize the value of them.
studying outside of their home country to gain a Opportunities:
global education, in addition to international
Asian students account for 53% of all students studying abroad worldwide with the cost

Payments
exposure.
Increasing number of students studying
abroad imply a greater need for cashless
solution such as debit cards.
As a result of moving to a foreign country,
there are inconveniences and hurdles that these
international students face.
Insurance
Multi-currency card which allows storing of
different currencies and offers competitive
exchange rate.
of higher education abroad averaging around US$157,782. 45% of parents would consider
buying a property in their child's country of study and this growing market requires
financial services.
Recommended solution:
The bank is offering a mobile application tailored to the needs of travelers which
includes:
• 24/7 foreign currency conversion on the app at competitive foreign exchange rates by
tracking the rates and converting them in real-time.
• Ability to top up the card wallet easily through the app or online.
• Enhanced security feature by allowing the card to be locked remotely via the app
when it is lost.
• Hold multiple currencies to avoid hidden charges by transacting in local currency.

• Withdrawals can be done overseas at selected ATMs.

• Travel insurance available for purchase.
Global trends
Growing need for insurance policies Bite-size travel insurance policy options
tailored to students studying abroad such available for students to purchase their
USA as insurance covering lost or stolen desired level of coverage.
items. Client impact:
U.K.
Study Abroad • Increased suite of services available for students studying abroad, providing them a
australia
Destinations convenient and affordable banking option.
france

germany

All other countries

Contact us:
Savings

• There are currently almost 5 million international

students globally today
Varun Mittal varun.mittal@sg.ey.com
• By 2025, it is projected that that number will rise to
over 8 million Rising demand for international bank Cross border accounts, with the ability to Partner https://www.linkedin.com/in/
accounts in country of education. utilize a singular bank account in several EY Global Emerging Markets varunmittalonline
• 53% of current global international students countries and hold several currencies. FinTech Leader
originate from Asian countries

© 2019 EYGM Limited. All Rights Reserved. ED None

 Non-Profit Organizations (NPOs)
Customer segment profile Opportunities in the market segment Case study
Context:
A bank is looking for a solution to provide increased transparency in the donation process
Addressable needs How can FIs help? made by the donors to the NPOs’.

Traceability Transparency Time Opportunities:

30% of money NPO’s heavy Due to the nature From 2012-2018, online donations worldwide increased year-on-year at an average of

Collections
donated as foreign reliance on of the non-profit 10.7%, cumulatively adding up to US$149.1 billion.
aid is lost to public funding industry, raising
corruption and demands greater funds is a Recommended solution:
fraud, according to transparency in recurring struggle Increased desire by the public and NPOs Provide a affordable and transparent and It is recommended that the FI utilize digital technology to prevent international aid
the United Nations. donations. for them. for cost-effective collection solutions that traceable solution to transfer money payments fraud.
offer a greater level of auditability and overseas allowing customization of
traceability of donations. payments frequency. • A cloud-based, end-to-end digital payments solution can be created to provide a
secure, private and fully-traceable service.
Religious • Currency exchange can be done by the banks to eliminate the high foreign exchange
Charities
Organizations and bank fees.
• All transactions are traceable and permanently recorded on the platform.
• Fraud detection and protection programs are also included in the system.
Non-profit Companies
Insurance

Global trends Client impact:

• Decreased the cost of cross-currency payments through optimization of bank and
There is a growing need for group Insurance policy tailored to the needs of foreign exchange fees.
insurance policies by NPOs without P&L NPOs.
statements. • Increased transparency of donations through payment tracking system.
25%
31%
40%

31% of donors 40% of Contact us:

25% of donors
Loans

worldwide Millennial donors

complete their
donate to NPOs are enrolled in a
donations on varun.mittal@sg.ey.com
outside their monthly giving Varun Mittal
mobile devices. Partner https://www.linkedin.com/in/
country of program. Rising necessity of NPO-tailored loans for Assess creditworthiness of NPOs by
residence. acquisition, construction and equipment. analyzing their payments footprint, such as EY Global Emerging Markets varunmittalonline
rent and utility bill payment. FinTech Leader

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 Gig Economy Workers
Customer segment profile
From ride-hailing app
drivers to tech
Opportunities in the market segment Case study
Context:
A bank wanted to target gig workers who didn’t qualify for loans under traditional credit
Addressable needs How can FIs help? scoring systems used to assess the risk of lending to individuals. Acknowledging that
these were potentially healthy clients, the bank was losing >90% of them to
unconventional competitor such as P2P lenders because of the lack of customer
While the gig economy information.
offers flexibility and Digitally deliver usage-based
insurance tailored to gig workers’ Opportunities:

entrepreneurs, there is a
rise in the number of
people working in the gig
economy. 33% of global
workforce is opting for
gig-economy work.
Entrepreneurs
Insurance
independence, income is Increased preference for easy-to-
use, digital insurance platforms lifestyle. 49% of gig workers are interested doing digital-enabled work. While 47% of gig workers
volatile and “gig”
that offer flexibility and breadth sell goods and services on platforms such as Carousell, 43% drive cars, 24% share online
workers do not enjoy the content or videos and 11% have set up a start-up.
specific to their on-the-job risks.
same benefits as Optimize premium pricing for Recommended solution:
employees in large each individual by providing
companies do. telematics insurance. To increase the number of loans disbursed for these underserved individuals, it is
recommended that the bank develop an alternative credit scoring rubric for gig workers:
• Integrate a FinTech solution into the client’s mobile devices to collect their digital
footprint.
Digital
• The solution tailors a set of smart credit criteria rules based on bank’s preference and
“Influencers”
gig worker’s usage pattern on their phones.
Personal Loans

Offer short-term, flexible loans by

Ride-Hailing Drivers analyzing their digital footprint.
Burgeoning demand for
alternative forms of credit
scoring for gig workers as they Client impact:
Global trends experience income volatility. Simplifying loan application • Significant increase of loans disbursed with a delinquency increase of only 2.3%.
process across all channels by • User adoption reached 78% by the end of the trial.
Global motivations for gig economy leveraging on mobile
applications. • Reduced need for manual check as processing time is shortened by hours.
22%
Primary Income • Maintained FTE count for loan processing even when loan application increased.
55%
Supplementary
Income 19%
Interim Income
(between jobs) Require an on-the-go, portfolio
management solution that suits Mobile-first and wealth saving
Management

50% 50% of organizations report significant increase in their dynamic schedule and risk platform using auto portfolio
Contact us:
Financial

the use of gig workers over the last five years appetite. rebalancing based on investors’
risk appetite.
36%
36% of employees in APAC may lose access to Utilize remittance platform to Varun Mittal varun.mittal@sg.ey.com
health protections Digital nomads require low-cost make cross-border transactions Partner https://www.linkedin.com/in/
and convenient cross-border simple and affordable. EY Global Emerging Markets varunmittalonline
97% of the gig economy workers are likely to stay transactions solutions. FinTech Leader
97%
for more than 2 years

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 SINKs & DINKs (18-49 years old, no kids)
Customer segment profile Opportunities in the market segment Case study
Context:
Childcare Wedding loans A banking financial company is looking to provide personal loans for consumers online
expenses Addressable needs How can FIs help? without heavy documentation, which is often needed for large ticket loans. Couples who
wish to obtain recurring loans online instantly would be attracted to use this platform.

Housing
Opportunities:

Financial Management
Increasing focus on growing
their retirement funds especially
Newly Weds often find it a struggle to manage for couples not planning to have
their finances. After paying off their wedding children.
and honeymoon, they have to consider housing
and education costs, should they have children.
Growing need for a convenient
Couples are not planning their outlay investment portfolio and
financial management solution,
properly before they have children. including saving up for an
emergency fund.
One-stop solution that includes
budgeting and expense control,
providing 24/7, real-time
monitoring.
Provide a convenient investment
tracking tool with the ability to
automatically rebalance the
portfolio.
Globally, the percentage of women having a two-child family had fallen by 7% in 20
years. In Thailand, childless couples form 16% of all Thai families due to the rising cost
of living and desire to improve discretionary income.
Recommended solution:
It is recommended that the bank utilize an online loan platform allowing customers to
obtain recurring loans while improving their credit worthiness.
• Self-learning chatbot allows application, document submission and loan approvals to
be on the website, messenger and on the application.
• Customers empowered to repay loans swiftly and timely by creating a seamless
payment solution, allowing loans to be repaid online or on the application.

Global trends Client impact:

• Reduced operating cost of bank due to faster turn-around time using cloud based
Average spending on child‘s education (in USD) technology.
Tailor loans for young couples by • Increased loans available for customers who are borrowing short-term for everyday
Customize loans for young
Hong Kong 132161
couples’ lifestyle and housing analysing their digital footprint to uses due to faster turn-around time.
Personal Loans

needs. understand their needs.

UAE 99378

Singapore 70939

USA 58464
Contact us:
Automatic and accurate evaluation
75% of parents rely on their day-to-day income to fund of young couples’ risk by analyzing
75%
Increase demand for alternative their digital footprint and
their children’s education rather than on longer-term forms of credit scoring for young varun.mittal@sg.ey.com
investments and savings. transaction history. Varun Mittal
couples who need to take on Partner https://www.linkedin.com/in/
multiple, customized loans. EY Global Emerging Markets varunmittalonline
61% 61% of engaged couples plan to charge their expenses FinTech Leader
to their credit card.

© 2019 EYGM Limited. All Rights Reserved. ED None

 Singapore National Service Full-time (NSF)
Customer segment profile Opportunities in the market segment Case study
As per 8th December 2018 estimates, there are Context:
45,800 NSFs serving in the military. These NSFs A global financial services group was looking to expand it’s customer base by offering a
Addressable needs How can FIs help? mobile, on-the-go insurance scheme for military personnel. However, they recognized that
receive equitable monthly allowances, and are
these military personnel were regularly on the move, and many soldiers, sea men and air
covered under an existing MINDEF/MHA group
men go for tours and deployments in far-away regions for months at a stretch.
insurance scheme. Furthermore, some of these military personnel already had disabilities that were a direct
result of war, and the group wanted to create a seamless banking/insurance experience for
them.
Recommended solution:
However, the lack of accessibility and flexibility
• It is recommended for the group to set up a separate mobile channel for military men
with current financial solutions limit the value
and women who only have access low-bandwidth internet, one that keeps the
provided to the NSF and the FIs. essentials of a mobile-banking/insurance solution.
Burgeoning demand for insurance Leveraging on data-centric solutions to
schemes that offer tailored plans, covering gather non-confidential data that optimizes • Furthermore, injured veterans i.e. visually impaired soldiers can deposit checks using
vocation-specific risks and premium prices based on the NSF’s digital voice-guided Natural Language Processes (NLPs) features on their mobile devices.
responsibilities. footprint and their pre-assessed vocational
Republic of Republic of
risk.
Singapore Army Singapore Navy

Republic of Singapore Air Force

Client impact:
Insurance

For clients who installed the white-labelled application and agreed to the data
collection
Opportunities • Served military personnel who previously did not have access to conventional
Increased preference for easy-to-use, Digitally assisted, one-stop solution for business solutions while they were on military tours.
digital insurance platforms that offer servicemen to share reports with the insurer,
flexibility and breadth in terms of from wherever they are in the world. • Increased customer satisfaction with streamlined digital financial services for their
Estimated earnings for an NSF (22 months) military clients.
coverage, beyond just life, disability, and
accident. • Removed high-bandwidth internet requirements, improving accessibility to financial
$27,400 Estimated earnings for a combat naval services for soldiers on the go.
Diver/Commando/Officer

$22,100 Estimated earnings for a combat

specialist Contact us:

$17,060 Estimated earnings for a combat enlistee Varun Mittal varun.mittal@sg.ey.com

Growing insurance needs for NSFs who
require follow-up insurance solutions after
their tenure of service (for health
Cumulatively, the estimated earnings of all military NSFs over the period conditions that arise in their line of
of their 2 years would total to SGD $895,506,800 service)
Seamless and customized insurance plans Partner https://www.linkedin.com/in/
for servicemen that follows through beyond EY Global Emerging Markets varunmittalonline
their Operationally-Ready-Date (ORD). FinTech Leader

© 2019 EYGM Limited. All Rights Reserved. ED None

EY | Assurance | Tax | Transactions | Advisory
About EY
EY is a global leader in assurance, tax, transaction and advisory services.
The insights and quality services we deliver help build trust and confidence
in the capital markets and in economies the world over. We develop
outstanding leaders who team to deliver on our promises to all of our
stakeholders. In so doing, we play a critical role in building a better working
world for our people, for our clients and for our communities.
EY refers to the global organization, and may refer to one or more, of the
member firms of Ernst & Young Global Limited, each of which is a separate
legal entity. Ernst & Young Global Limited, a UK company limited by
guarantee, does not provide services to clients. For more information about
our organization, please visit ey.com.
© 2019 EYGM Limited.
All Rights Reserved.
EYG no. 000980-19Gbl
This material has been prepared for general informational purposes only and
is not intended to be relied upon as accounting, tax or other professional
advice. Please refer to your advisors for specific advice.
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