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In America, you build an e-commerce company. In India, you build an e-commerce company, a logistics company, a payments company, and an internet adoption company — all at the same time.
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Insurance was the hardest problem we had to solve. Nobody had ever underwritten peer-to-peer car sharing before. We basically had to invent the category.
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The hardest part of fintech in Southeast Asia is not the technology. It is regulation. Every country has different rules, different licenses, different banking systems. You have to go country by country.