@jr189 Hi, Like you, I spent some time to try to understand MoneyMe model and find it quite promising. In fact, the main risk I could identify was the regulatory risk. Given that their personal loan business is done at quite high interest rates (max : 19.95 % according to their last presentation), I wonder if there is a risk that the regulator forces them to decrease their maximum rate. At this stage, I don't know well enough the regulation to assess this risk, but understand that it has been a problem in the past for the pay day lenders (probably at much higher interest rate). Would appreciate your feedback about this.
