Part 9/11:

Such initiatives reflect a strategic attitude: industrial and e-commerce firms are willing to take calculated risks to maintain and grow their customer base. Unlike traditional banks, which are more risk-averse and constrained by capital regulations, these companies view their long-term relationship with clients as a valuable asset—leveraging their extensive customer data to assess creditworthiness more directly and efficiently.

Future Outlook: A New Financing Ecosystem

Experts predict that growth in consumer finance loans will continue regardless of the lender type, especially as economies recover from the pandemic's impact. Offering financing options allows consumers to pay over manageable periods and in digestible amounts, encouraging spending that might otherwise be delayed.