Page 6 - CCFA Journal - 12th Issue

Exclusive Interview 人物专访 加中金融

从社会信用到电子钱包

因此，吴雅楠第一个战略举措就是通过 Surfin Meta 的自主应用程序，逐步引入、建立社会信用体系。该程序易于上手，允
许用户在几分钟内完成注册、提交贷款申请，并获得定制化的金融产品。

"我一直把信用评分看作一个人“金融尊严”的基石。我们的使命是建立一个体系，它将专注于服务没有银行账户的人
群，以及在银行体系内接受服务不够的人群，" 吴雅楠指出。

在获取相关批准后，Surfin Meta 深入研究社交行为，搭建网络，分析借贷人的还款能力，制定全面的社会信用档案。吴雅
楠介绍道，公司专有的机器学习算法被称为 "ABC 模型"，这一模型在减少拖欠率方面发挥了重要作用。通过整合反欺诈
措施、行为分析，并借助 AI 进行催收，该公司实现了近 90%的客户保有率。

2018 年，Surfin Meta 推出了 "Pinjam Yuk"在印度尼西亚首次亮相，这是一家获得印度尼西亚金融服务管理局（OJK）许可
的在线个人贷款平台。同一年里，该企业将业务扩展到越南、墨西哥和菲律宾。目前，Surfin Meta 在包括新加坡、尼日利
亚、肯尼亚、印度、乌干达和秘鲁在内的十个市场运营，注册用户数量达 4000 万，为上述人群进行专业贴心服务。

如今，公司不断扩容业务范围，从支付、消费金融到财富管理和一系列的金融科技服务。

Social credit to e-wallet

So his first strategic initiative is the
introduction of a social credit system,
facilitated through Surfin Meta's user-
friendly app. Their proprietary app allows
users to register, submit loan applications,
and receive custom financial products
within minutes.

"I regard a credit score as the cornerstone
of financial dignity. Our mission is to build a
system that empowers the underbanked
and unbanked populations," Wu noted.

With user consent, Surfin Meta delves into
social behaviors and networks to craft a comprehensive social credit profile, factoring in repayment capabilities.
According to Wu, their proprietary machine learning algorithms, known as the "ABC model," have been instrumental in
mitigating delinquency rates. By integrating Anti-fraud measures, Behavioral analytics, and through Collections, all
augmented by AI, the company has achieved an impressive customer retention rate of nearly 90%.

In 2018, Surfin Meta marked its debut in Indonesia with "Pinjam Yuk," an online personal loan platform licensed by the
Indonesia Financial Services Authority (OJK). Within that year, the enterprise extended its reach to Vietnam, Mexico, and
the Philippines. Currently, Surfin Meta operates in ten markets, including Singapore, Nigeria, Kenya, India, Uganda, and
Peru, serving a clientele of 40 million registered users who are primarily unbanked or underserved.
Having established a presence in 10 markets and serving 40 million underbanked individuals, the firm offers a broad
array of services, from consumer finance and wealth management to payments and fintech-as-a-service.

CCFA JOURNAL OF FINANCE November 2023
Page 6 第6页