Last Tuesday, we went to the North passing by SCTEX TIPLEX. It was too late to discover that we
did not have load for particular sector. The gate bar let us through anyway with a credit indicated. So without further delay, we had the RFID loaded which was immediately paid with the load. It dawned to this post that the platform is practicing a lending operation to a captured market. Soon the platform will make the load interest bearing, And the credit will become a lending platform to the captive market using the expressway.
Very soon the banks will face a competition, very soon BSP will have to regulate these platform. Very soon scams involving such business practices will boom
We have seen this with GCash which is now into interest bearing loads, and loans for temporary loss of loads. We have seen this at Lazada. The L wallet is the start
We live in a different world and thus think really really out of the box
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