WeLab aims to be faster, cheaper and more convenient. “Internet finance is about providingefficient alternatives, rather than identifying “new needs, says Mr Loong. It has particularusers in mind: “We design our product for tech-savvy young consumers. These are peoplewho want to avoid having to go to a bank branch and to avoid being subjected to cross-selling.
WeLab的目标是更快、更廉价、更方便。龙沛智表示,“互联网金融的宗旨在于提供高效的替代品,而不是甄别“新需求。它着眼于特定的用户群体。“我们设计的产品是面向精通科技的年轻顾客。这类顾客不想为了申贷而不得不跑银行网点,也不想成为交叉销售(cross-selling)的对象。
A former commercial banker with 15 years’ experience at Citibank and Standard Chartered, MrLoong set up WeLab in 2013. The smart-suited, soft-spoken CEO is speaking in a small, glasswalled room in a corner of the company’s 2,000 sq ft head office, that barely fits a desk andtwo chairs. Sitting next to a window covered with notes scribbled in marker pen, he talkspersuasively about his desire to offer “attractive alternatives to borrowers, especially thosewho struggle to obtain funds from lenders that use traditional risk-checking tools.
龙沛智曾是一名商业银行家,在花旗银行(Citibank)和渣打银行(Standard Chartered)总共效力了15年,他在2013年创立了WeLab。这名穿着得体、说话温和的WeLab行政总裁,在一个玻璃墙小房间里接受采访,这个房间位于该公司占地2000平方英尺的总部办公室的一角,面积小得勉强放下一张桌子和两把椅子。他的座位旁有一扇窗户,窗上贴满了便条,上面用记号笔龙飞凤舞地写着什么。他令人信服地谈到,他渴望将“有吸引力的替代品提供给借贷者,尤其是那些很难从使用传统风险评估工具的贷款机构获得资金的借贷者。
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