IPO Readiness Potential sales opportunity with Akulaku as it plans a Hong Kong IPO and seeks strategic partnerships to support scale, regulatory compliance, and monetization of its BNPL and digital finance ecosystem.

BNPL Expansion Leverage Akulaku’s BNPL growth and Alipay Plus partnership to offer complementary merchant solutions, cross-border e-commerce financing, and wallet-to-wallet settlement services for Southeast Asia merchants.

Digital Banking Target Akulaku’s neobank and digital banking platforms for core banking tech, onboarding, risk analytics, and customer lifecycle management to accelerate product breadth across Indonesia, Philippines, Thailand, and Malaysia.

Wealth & E-Invest Position investment and wealth platforms (Asetku, OneAset) as upsell channels for mid-market customers; offer advisory, robo-advisory, and asset management integrations to broaden recurring revenue.

Financial Partnerships Explore co-lending, risk-sharing, and insurance brokerage collaborations to expand product suite, improve unit economics, and access to underserved segments in Southeast Asia.