Over the past nearly month, I visited five places: Hanoi, Ho Chi Minh City, Kuala Lumpur, Jakarta, and Bali.


In each place, I visited AllScale users, local exchanges, traditional money changers, payment bosses, and lending bosses.
I went to the wealthy districts, slums, small vendors, convenience stores, the largest malls, startup hubs, government industrial parks, and gray-market offices in each city.
Observed, learned, and asked questions in all sectors—black, white, and gray.
Actually, I’ve written a lot about payments and finance, but the more real it is, the more I dare not or don’t want to publish it.
I can only share the most trivial feelings—Ho Chi Minh’s cockroaches are really damn numerous, and if I dared to walk to meet clients in Jakarta, I would definitely get heatstroke.
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