How to mitigate risks when investing with Peer-to-Peer financing (P2P)

  The rising cost of medical care has made health care financing more important than ever. Patients and providers alike are searching for ways to make treatments, procedures, and equipment more affordable. From traditional patient financing programs offered by banks to modern solutions like Buy Now, Pay Later (BNPL) , the question remains: which model truly serves patients best? What is Health Care Financing? Before comparing, it’s essential to answer: what is health care financing? Simply put, it refers to the methods individuals and institutions use to pay for medical treatments, procedures, and supplies. This can include health care financing options such as personal loans, insurance-linked plans, or private health care financing through specialized lenders. For patients, the core challenge is how to finance medical bills in a way that balances affordability, speed, and flexibility. Traditional Health Care Financing Options For decades, people relied on patient financing p...

  For decades, traditional banks have been the go-to institutions for SME financing . However, with the rise of digital platforms, fintech is challenging the status quo by offering faster, more flexible, and more inclusive solutions. The question now is: who will lead the next era of SME financing in Malaysia , banks or fintech? Traditional Banks: Stability with Limitations Banks remain the largest providers of SME loans and business loans globally, including business loans in Malaysia . They offer stability, structured repayment terms, and credibility. Many SMEs still trust banks as the most reliable source of capital. However, applying for an SME loan in Malaysia through traditional banks can be a slow and complicated process. From strict credit requirements to heavy collateral demands, many SMEs find themselves rejected despite being profitable. This makes getting SME financing a frustrating journey for businesses that urgently need working capital. Fintech: Innovation in S...

  The landscape of SME financing is changing rapidly. As technology advances, traditional lending models are giving way to smarter, faster, and more inclusive options. For SMEs in Malaysia , the next decade will bring transformative trends that reshape how businesses access credit, whether through a business loan , SME loan , or new forms of business financing . Two key drivers—AI-driven lending and embedded finance—are at the forefront of this evolution. AI-Driven Lending: Smarter Credit Decisions For years, SMEs struggled with stringent requirements when applying for an SME loan in Malaysia or a business loan in Malaysia . Banks relied heavily on collateral and conventional credit scores, often overlooking viable businesses. AI changes this equation. By analyzing real-time business transactions, payment histories, and even supply chain data, AI-driven models give lenders a deeper, more accurate view of creditworthiness. This allows SME financing in Malaysia to become more acc...