Addendum to Microfinance as an Ayala Blue Ocean – 2 of 2
Quickie Thoughts!
I think the simplest and fastest entry for Ayala into microfinance is as a wholesale banker to lending investors and rural banks. The credit products may be in tranches of P1m, P4M, etc. and mirror the microfinance model in most respects.
In giving out the loans, Ayala can require the use of a dedicated microfinance CRM (customer relations software) appended to the front-end of G-Cash. This will serve a dual purpose – value-lock and the blue ocean (especially the excludability tool in Romer space, see Post #94) – for growth and recovery of value
Click here for Part 1 of 2.
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