Southeast Asia Fintech
Digital lending drives Southeast Asian fintech: Monee, Sea's fintech arm, held $11.1 billion of consumer and SME loans at 30 June 2026, up 62.5% year on year, with a 1.0% non-performing loan ratio (SEC filing). 25% of Philippine adults have an outstanding loan (BSP, 2025).
20 verified facts tracked for this market — each with its source, reporting period and evidence tier. Tier 1 = primary institutions (central banks, statistical offices); tier 2 = disclosed industry panels.
| Metric | Value | Geo | Period | Tier | Source |
|---|---|---|---|---|---|
| Non-performing loan ratio 90+ days, Monee consumer and SME loan book | 1.0percent | SEA | 2026-Q2 | T1 | sec.gov |
| Monee sales and marketing expenses, quarterly | 293851USD thousand | SEA | 2026-Q2 | T1 | sec.gov |
| Monee adjusted EBITDA, quarterly | 275.2USD million | SEA | 2026-Q1 | T1 | sec.gov |
| Off-book (channeling) share of Monee loan book | 1.1USD billion | SEA | 2026-06-30 | T1 | sec.gov |
| Monee consumer and SME loan book year-on-year growth | 62.5percent | SEA | 2026-06-30 | T1 | sec.gov |
| Monee consumer and SME loans principal outstanding | 11.1USD billion | SEA | 2026-06-30 | T1 | sec.gov |
| Philippine adults satisfied with their current financial situation | 43percent | PH | 2025 | T1 | bsp.gov.ph |
| Philippine adults with outstanding loans | 25percent | PH | 2025 | T1 | bsp.gov.ph |
| Thailand adults who sent money after a phone or SMS request | 1.02627888281376% of population age 15+ | Thailand | 2024 | T1 | data.worldbank.org |
| Account ownership among the poorest 40% by income, Philippines | 34.4399006408424percent | PH | 2024 | T1 | api.worldbank.org |
| Adults who received a call or SMS from a stranger asking for money, past 12 months, Philippines | 24.7603001783085percent | PH | 2024 | T1 | api.worldbank.org |
| Adults who sent money to a stranger who asked for it by phone or SMS, Philippines | 0.623402379768749percent | PH | 2024 | T1 | api.worldbank.org |
| Mobile money account ownership among young adults ages 15-24, Philippines | 47.2666337547577percent | PH | 2024 | T1 | api.worldbank.org |
| Made a digital merchant payment, World Bank Global Findex (% age 15+) | 51.1% of population age 15+ | Vietnam | 2024 | T1 | data.worldbank.org |
| Adults who received a fraudulent phone call or SMS asking for money, poorest 40% | 17.6567647807048percent of adults age 15+ | PH | 2024 | T1 | api.worldbank.org |
| Average transaction cost of sending remittances to the Philippines (% of amount sent), World Bank Remittance Prices Worl | 1.67% of amount sent | PH | 2023 | T1 | data.worldbank.org |
| Indonesian firms with a checking/savings account and using banks to finance investments, All Firms, 2023 | 79.9 (checking or savings account); 28.6 (using banks to finance investments)percent of firms | ID | 2023 | T1 | ojk.go.id |
| Share of Vietnamese firms citing access to finance as the single biggest business obstacle | 21.2% of firms (All Firms), by size: Small 17.8%, Medium 30.7%, Large 9.2%; benchmarks: East Asia & Pacific 12.7%, Lower Middle Income 18.6%; World Bank Enterprise Survey, n=1028 firms interviewed Apr-Nov 2023 | Vietnam | 2023 | T1 | enterprisesurveys.org |
| MAS FSTI 2.0 commitment for financial-sector technology and innovation | 250SGD million | SG | 2020-08-13 | T1 | mas.gov.sg |
| FinTechs connected to investors through MAS Deal Fridays | 165FinTech firms | SG | 2020 | T1 | mas.gov.sg |
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