The ASEAN Access to Digital Finance Study

Tania Ziegler, Krishnamurthy Suresh, Zhifu Xie, Felipe Ferri de Camargo Paes, Peter J Morgan, Bryan Zhang

Research output: Book/ReportProject reportpeer-review


This first edition of ‘The ASEAN Access to Digital Finance Study’, aims to provide valuable data and insights into how individual households, consumers, and micro, small and medium enterprise (MSME) customers use digital alternative finance channels, such as online digital lending and capital raising platforms, to access credit or raise funds across the key countries in the Association of Southeast Asian Nations (ASEAN) region. The report focuses on five ASEAN countries: Indonesia, Malaysia, the Philippines, Singapore and Thailand. This study has been jointly developed by the Cambridge Centre for Alternative Finance (CCAF) at the University of Cambridge Judge Business School and the Asian Development Bank Institute (ADBI). It assesses various qualitative and quantitative factors of borrower or issuer activities related to financial access via an online fintech platform operating in the lending or equity space. The models observed in this study are peer-to-peer (P2P)/marketplace consumer and business lending, balance-sheet consumer and business lending, invoice trading, equity-based crowdfunding, and buy now, pay later (BNPL).
Original languageEnglish
Place of PublicationCambridge
Number of pages93
Publication statusPublished - 30 Sept 2022


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