当国内互联网流量红利见顶，信贷监管趋严，互联网大厂开始将目光转向海外信贷市场。 这些年，中资互金玩家不断将国内成熟的数字金融模式，复制到东南亚、拉美，甚至非洲等新兴市场。 而互联网大厂，整体来看，脚步似乎稍慢一些，又或许是，大厂追求的是一种更加稳健的方式，比如通过持牌，或者和持牌机构合作的模式，来打开海外 信贷市场，寻求新的增长曲线。 今年4月，「一只互金融」文章提及过蚂蚁国际招聘大量信贷相关人才，加速海外信贷业务布局。 《「蚂蚁国际」招聘大量海外信贷人才》 有趣的是，其实这大半年时间，字节跳动的海外信贷业务也在快速扩充军团。 最近，该公司招聘的海外信贷相关岗位越来越多，且更加具体。 01 正在招聘拉美信贷产品经理 据字节跳动招聘网站显示，正在招聘多个国际信贷业务相关岗位。 「信贷产品经理-国际支付」，岗位要求： 主导BNPL、个人信贷、商户金融等信贷产品规划设计，覆盖C端（BNPL、信用贷、循环贷）与B端（商户贷、提前收款）场景，制定产品路线图；针对 海外市场设计符合本地化信贷产品，适配当地支付习惯与用户偏好； 设计注册-授信-用信-还款核心流程及与合作方交互逻辑，确保符合用户体验与业务目标；结合当地牌照规 ...

Investment Rating - The report maintains an "Increase" rating for the Southeast Asian fintech sector [8] Core Insights - Southeast Asia's fintech industry has significant growth potential, driven by a robust macroeconomic environment, improving infrastructure, and a friendly policy landscape [13][16] - The four main areas of fintech development are digital payments, internet lending, insurtech, and virtual assets [17][20] - The region's GDP growth is approximately 5%, with a population of 630 million, predominantly under 40 years old, providing a strong consumer base [22][23] Digital Payments - Digital payment penetration is expected to increase, with 44% of transactions still conducted in cash as of 2024, compared to 5.8% in China [39][40] - The COVID-19 pandemic has shifted consumer habits towards online payments, with 33% of consumers using e-wallets for the first time during the pandemic [40] - The main digital payment methods are card payments and e-wallets, with a competitive landscape lacking a dominant player like Alipay or WeChat Pay in China [38][50] Internet Lending - The internet lending market in Southeast Asia is projected to grow from $48 billion in 2022 to $71 billion in 2024, with a penetration rate of only 1.8% [4][14] - The lending market is characterized by high pricing limits (18-180%), small loan amounts (average $18), and short durations, providing substantial profit margins [4][14] - The risk profile is relatively stable, with SeaMoney's 90-day overdue rate at 1.1%, lower than domestic platforms in China [14][16] Insurtech - The insurtech market in Southeast Asia is in its early stages, with a market size of approximately $2.4 billion in 2024, expected to reach $7.5 billion by 2030 [5][14] - The penetration rate of insurtech is low, at about 1.5-3.1%, compared to 8.8% in China [5][14] - Three main business models exist: insurtech platforms, full-stack insurtechs, and insurtech enablers, with the latter focusing on B2B solutions [5][14] Virtual Assets - Southeast Asia shows high interest in virtual assets, with six countries ranking in the top 20 for global cryptocurrency adoption, and Indonesia ranked third [6][14] - The regulatory environment is generally supportive, with governments encouraging the development of the virtual asset market while managing risks [6][14] - Indonesia's cryptocurrency transaction volume reached $157.1 billion from July 2023 to June 2024, the highest in the region [6][14]