Phang Yew Kiat, vice chairman and CEO of Credit China, one of the largest publicly listed peer-to-peer lenders in China, described how the company leveraged the mobile internet, financial supply chains and payments to create an ecosystem that serves millions of unbanked small businesses at a panel discussion at Lendit USA 2017. He also spoke about the company’s expansion and explained why it acquired a mobile point-of-sale business, an online gaming operator and a payment card processor in Vietnam, as well as how he had to deal with tighter regulations and criticism from the investor community.