Merchants with good sales track records may apply for a loan by showing digital records of constant revenue or viable business operations, and will not need to pledge any asset as collateral.
Singapore-based private equity fund Northstar Group, which has a major stake in Bank Jago, has previously co-invested with GIC in the financial service and resources sectors. Regarding Bank Jago's go-to-market strategy, Northstar co-founder Patrick Walujo told The Straits Times:"Experience shows that the most successful banks are usually those that work very closely with a large digital ecosystem.
Gojek boasts millions of drivers and food merchants, while Tokopedia on Tuesday said its merchant partners stood at 9.9 million as at end-2020. Gojek does not disclose these numbers.
new local bank or foreign bank ?
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