Group 14Group 14Group 14Group 14
  • Home
  • Insights
  • Companies
  • Team
  • News
Expansion to Integra’s General Partnership
22 December, 2021
Jennifer Ho on The Masters of Cashflow podcast – The Art of Saying No and The Big Secret of Being A Great Investor
5 January, 2022

Why We Invested: GIMO

29 December, 2021

We have written extensively about our thesis on employer-led financial services and digital health. In earlier posts we have written about partnering with employers to help employees avoid becoming chronic care patients, the importance of supporting employees to become asset owners, and the importance of employee access to earned wages.

With our recent investment in GIMO, the leading earned wage access provider in Vietnam, we extend coverage of this investment thesis to Vietnam’s 55 million salaried workers. GIMO was recently admitted into the W22 batch of Y Combinator, further validating the potential of GIMO which we are very excited about.

In this post we look at some of the key differentiating factors of earned wage access (“EWA”) companies vis-a-vis traditional consumer financial services companies, and why we believe GIMO is positioned to be a leader in EWA in Vietnam.

We see investing in EWA as an alternative to investing in a consumer lending company. In particular, digital banks (“DB”) have recently received a lot of interest from investors, and have raised large amounts of VC and growth funding. While both EWA and DB share a similar goal; to bring financial services to an underserved market segment, they are typically also different in significant ways. Here’s how they differ:

  1. EWA players do not charge interest rates
  2. Different target audience
  3. Different acquisition strategy

….

Read the full article here

Written by Christiaan Kaptein, Partner at Integra Partners. Illustrated by Theodore Ng.

Share
0

Related posts

1 February, 2023

2023 Outlook — Fintech everything everywhere all at once


Read more
9 November, 2022

Integra Partners 2022 Investor Day Summary


Read more
29 July, 2022

Healthcare Data: The Race for New Oil in Southeast Asia


Read more

We invest in early stage companies run by exceptional founders using technology to drive change and inclusion in financial services and digital health.

Reach out below if you’re raising a Series Seed, A, or B round.

work with us
Seo Services & Digital Marketing Agency Malaysia

Address

15 Beach Road
#02-01, Beach Centre,
Singapore 189677

E-mail

[email protected]

Social & Content

© 2021 Integra Partners - All rights reserved. Disclaimer. Privacy Policy.