Part 2/11:

E-commerce platforms have become key players in providing consumer loans, offering financing options directly to their customers. Despite economic uncertainties spurred by the COVID-19 pandemic, these companies have continued to extend credit, motivated by the desire to stimulate growth within their core operations. For these platforms, offering financing is not just a service but also a crucial revenue stream. They act much like banks—charging interest and profiting from loans—thus expanding their business model beyond just facilitating transactions.