China's pioneering companies, such as Ant Group and Tencent, have leveraged their vast user base and data-driven risk assessment to offer instant loans at scale. In this episode John Lin, a Dutch-born Chinese entrepreneur and expert in embedded lending, who worked for bol.com, shares his insights. Lessons include the importance of ecosystem integration, collaboration between financial institutions and technology platforms and adapting regulations to foster responsible innovation. This podcast was recorded live at Money 20/20 Europe in Amsterdam.