Grab introduced a range of AI-driven features at its GrabX product showcase, highlighting fintech offerings that expand financial access and streamline payments for consumers and merchants across Southeast Asia.

Cash Loan

Cash Loan is designed to provide consumer credit to users who do not have access to traditional banking services.

While Grab previously extended financing to driver- and merchant-partners using on-platform earnings data, Cash Loan takes a different approach for consumers.

It uses multiple behavioural signals, including ride frequency, GrabFood spend, and length of platform usage, to build an eligibility score.

Grab offers loans only to pre-approved users, who complete applications in-app through identity verification and linked repayment methods.

Grab currently offers Cash Loan in the Philippines and plans to expand to Thailand and Malaysia by mid-2026.

Users can borrow up to ₱50,000 for purposes such as vacations, home improvements, or major purchases.

Interest rates start at 2.99% per month, depending on eligibility. A one-time processing fee of up to 2% will apply.

Grab provides up to three months to repay, with automatic deductions via linked bank accounts or e-wallets. Applicants receive instant approval and disbursal, with a real-time view of their repayment schedule.

GrabPay for Travel

GrabPay for Travel allows users to make cross-border payments seamlessly at merchants that accept QR codes but not cards.

Users scan local QR codes and pay directly with debit or credit cards already linked to the Grab app, without topping up e-wallets.

Grab notifies users upon arrival in a supported country and guides them through a one-time verification.

The feature shows all fees upfront before confirmation.

Grab will roll out GrabPay for Travel in the Philippines and Malaysia by the third quarter of the year, and in Singapore and Thailand by the end of the year.

Tap to Pay

Tap to Pay turns GrabMerchant smartphones into full contactless payment terminals for cards and QR schemes.

The GrabMerchant app consolidates in-store and online transactions into one reporting system, giving merchants a clear view of business performance.

Tap to Pay also supports next-day settlement and loyalty programmes.

Grab currently offers Tap to Pay in the Philippines and Singapore, with expansion to Indonesia, Malaysia, and Thailand by year-end, and Vietnam in 2027.

AI-Powered Tools

Grab also continues to develop AI-powered tools such as Grab AI Assistant for consumers and Driver AI Assistant for driver-partners, providing personalised support and guidance across the Grab ecosystem.

Featured image credit: Grab press release