You want to open branches in Thailand and Vietnam to issue cash loans, but you need to create your credit card to quickly grow your business.
This decision should be made by the project team. I think they discuss many ideas, but not all ideas can be easily realized as it seems at first glance.
The community should participate in the discussion of the project in order to identify weaknesses and eliminate them.
Lack of debit cards for lenders and borrowers may adversely affect the project.