We believe every hardworking adult deserves to have access to safe and affordable borrowing. But for many of us, the reality is contrary. According to a 2017 World Bank report, there are over 250 million working adults in SEA do not have formal bank borrowings. In Malaysia, only 25% of the adult population, and 15% in the B40 group, has formal bank borrowing. For borrowers who are declined by formal banking channels, their current financing options are just not good enough. Many loan scammers or unscrupulous money lenders are readily to take advantage of their vulnerabilities. These are all well documented. We started Direct Lending to change this, making safe and affordable loan accessible to every hardworking adult at anytime, anywhere; helping them to address their needs or to fulfil their dreams. Direct Lending is an online personal lending platform, enabling borrowers to find, apply and receive financing that best suits them in a safe and affordable manner. There are currently over 20 financing providers on the platform. In 2021, Direct Lending has been granted credit community (moneylending) license from Ministry of Housing and Local Government which gives us more flexibility in providing financing solutions to our customers. We recently launched our first embedded financing project by providing auto service financing which enable car owners to obtain financing to pay for their essential car repairs at workshop, with a few more projects to be launched in the coming months. Direct Lending is a recipient of Cradle CIP300 funding in 2019 and graduated from Malaysian Global Innovation & Creativity Centre's Global Accelerator Programme in 2017. Direct Lending started from a 2-man team in October 2016 to now a team of over 20 finance, credit, marketing, technology and product professionals. Since incorporation, we have achieved over 100% CAGR growth in our loan disbursed value and is operational profitable.