During the Q&A session of the conference call , the harsh realities hidden behind the rhetoric begin to emerge one by one.
When Monee's amazing growth was explained by Tony Hou, the whole system's variation was nowhere to be hidden. He acknowledged that the expansion of loan size stemmed from a fundamental shift in strategy, and that the company would shift its customer acquisition approach from the strict whitelist system to a more relaxed "All can apply" model, and gradually extended SPayLater and personal cash loans to markets.
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