More than 70% of Southeast Asian adults remain unbanked or underbanked. That is not a development statistic. It is the largest untapped credit market on earth. Millions of these consumers are not poor credit risks. They are simply invisible to the underwriting models banks have relied on for decades. Southeast Asia’s unbanked population represents a $1.5 trillion financial services opportunity. Digital financial services in the region’s six largest economies could generate up to $60 billion annually, but are currently on track for $38 billion. That $22 billion gap is the commercial cost of financial exclusion. The challenge: expand credit responsibly…