We exist because this
data didn't.
The lending intelligence that operators need to compete in emerging markets simply wasn't available. So we built it.
The Problem
Lending intelligence in emerging markets is fragmented, outdated, or locked behind six-figure consulting fees.
If you're building an MSE lending product in Southeast Asia or MENA, you already know the challenge: public data is scattered across regulatory filings, app stores, press releases, and investor decks. Piecing together a competitive view takes weeks. Most founders skip it entirely — and pay for it later.
The Solution
One document. Every competitor. Pricing, features, complaints, regulatory risk, and growth opportunities.
Merridian does the work that would take your team months — and delivers it as a structured, decision-ready report. Not a slide deck of generalities. Not a database login. A finished intelligence product you can act on immediately.
Where We Operate
Deep in the markets that matter.
We don't cover everything. We go deep on the markets where MSE lending is growing fastest and competitive intelligence is hardest to find.
The world's fastest-growing digital lending market.
Indonesia's P2P lending market alone grew from IDR 13.2T to 98.5T in seven years. Thailand, Philippines, and Vietnam are following similar trajectories with distinct regulatory frameworks.
Regulatory sandboxes opening new lending corridors.
The UAE and Saudi Arabia are actively building fintech licensing frameworks. Early movers in MSE lending are establishing positions in a market with significant underserved demand.
EU and Americas coverage planned for later stages.
Our Methodology
Rigorous by design.
Every Merridian report follows a structured research process designed to produce intelligence you can trust enough to act on.
Data Collection
We aggregate data from regulatory filings, company disclosures, app store analytics, funding databases, and public financial records. No single source is treated as authoritative.
50+ sources per marketVerification
Every data point is cross-referenced across multiple sources. Discrepancies are flagged and resolved. Where data is estimated, we say so explicitly.
Triple-verified dataAnalysis
We score companies across five dimensions: market demand, competitive intensity, regulatory readiness, funding momentum, and infrastructure maturity.
5-dimension scoringDelivery
Reports are structured for decision-makers. Visual dashboards, heatmaps, and matrices designed to be immediately actionable — not just informative.
40–60 page deliverableWho We Are
Built by practitioners,
not consultants.
Merridian was founded by a data scientist with deep experience in fintech lending and emerging market financial infrastructure. The frustration was firsthand: the competitive intelligence that existed was either too expensive, too generic, or too outdated to be useful.
We combine data science rigor with on-the-ground market knowledge to produce reports that founders and operators actually use to make decisions — not reports that sit on a shelf.
Our Principles
Accuracy over speed
We'd rather delay a report than publish unverified data. Every number has a source.
Depth over breadth
We cover fewer markets but know them inside out. Surface-level overviews help no one.
Clarity over complexity
Reports are structured for decision-makers with 10 minutes, not analysts with 10 hours.
Transparency over confidence
When data is estimated or incomplete, we say so. We flag uncertainty rather than hide it.
Companies in our database
Markets actively covered
Data sources per report
Days from start to delivery
SEE YOUR MARKET
See what we've found in your market.
Every report is built on verified data from 50+ sources. Request a sample.
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