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High-Risk or High-Return: How address verification can streamline your entry into 2021’s top emerging markets

The key to successful expansion lies in breaking into emerging markets. Yet, while local couriers might be aware of the nuances behind local addressing systems and their corresponding locations, the mechanics of global addressing can be an overwhelming obstacle to navigate.

Around the world, no two addresses bear the same resemblances. Germany wants the street name first, together with the recipient’s academic title, yet France requires the building number before the street name.

Across the 249 countries and territories, there are approximately 6,500 spoken languages, 139 character scripts, and more than 130 different address formats that are continuously changing. All of this points in one direction: the need for accurate, verified global address data.

The entryway to global commerce

There is a lot of promise in emerging markets, having recently undergone a massive digital shift and adoption thanks to the pandemic. With more citizens comfortable using their mobile devices or laptops to access digital experiences, this throws the doors wide open for businesses to enter the arena and vie for their trade. Countries located within the Asia-Pacific (APAC) area are seeing the most movement. The countries of Malaysia, Thailand, Singapore, and the Philippines are said to be growing between 20% and 30% annually.

Global addressing is complex

The leading emerging markets


Malaysia is fast becoming the one-to-watch within this region, thanks to their fast adoption of digital platforms and media. However, there is still progress to be made before digitally evolving businesses can fully maximize this market opportunity. Although 80% of the country’s population of 32M are active internet users, with mobile phone penetration reaching 83%, poor connectivity and limited access in rural locations are stunting the emergence of essential, digitally-driven services, for instance, HealthTech.

Due to unstable internet connection, missing or inaccurate patient address data, and long distances between rural patients and practices, doctors can find it challenging to locate and communicate with patients via telemedicine. They may also struggle to refer and connect appropriate providers to patients.

Powering any HealthTech tool with location data can help patients find service providers based on location or geocoordinates and provide reliable access to referral information, enabling better clinician and patient satisfaction.


The Philippines’s digital economy grew 55% during 2020 - quite a marked uplift considering the global pandemic. 54% of these new consumers are from non-metro, hard-to-address areas, with 92% of them intending to continue to use at least one digital service post-COVID-19.

Benefiting most from this influx of new digital consumers is digital financial services, or FinTech, one of the country’s most promising sectors. But a significant part of the population is excluded from formal financial services such as loans, insurance, and other forms of credit due to a lack of verifiable identity and complexity of accurately determining one’s home or business location.

These challenges have largely been eroded by a combination of technology and location data solutions that are making it easier than ever for financial institutions to verify and standardize customer data, increase customer access and grow revenue. As such, FinTech businesses are moving away from more traditional banking processes in favor of digital workflows that raise efficacy, accelerate customer journeys, and ultimately open up access the those in underbanked or unbanked populations.


While COVID-19 reversed years of economic growth, Indonesia’s digital economy is still growing in the double digits – especially in sectors like eCommerce – which remains the main growth driver at 54% YoY (US $21B to US $32B). But the country’s narrative of economic development may be overlooking complex structural challenges.

By 2045, the centenary of its independence, approximately 220 million people – or more than 70% of the population – will be urban. This rapid urbanization has only increased the need for an efficient addressing system.

In many countries, home delivery of purchases is still challenging because of the lack of a national addressing system. l0% percent of the population has to pick up or send mail from a postal establishment, making the fulfillment process complex and leaving little motivation for global consumers to engage in eCommerce activities.

To break down this barrier for growth of cross-border e-commerce, a lack of quality address data and standardized addressing infrastructure are the first obstacles to overcome.  

How address verification supports global businesses

Going hand-in-hand with developing infrastructure in these areas is the adoption of a global address database to handle the end-to-end user journey. Below are several high-level use cases that highlight how accurate location data can be a strategic advantage:

  • eCommerce – inaccurate customer addresses contribute directly to failed deliveries and costs caused by delayed or missing goods, product returns or re-shippings, decreased customer satisfaction, and brand loyalty
  • CRM and ERP – address data is a critical part of any customer or business demographic record that underpins any CRM or ERP’s ability to improve efficiencies and increase sales
  • Third-party logistics (3Pls) – winning the last-mile delivery challenge relies in large part on the accuracy of the delivery address and related geo coordinates
  • HealthTech – patient care can be hampered by the transfer of incorrect or duplicate patient records. Poor interoperability leads to issues in patient matching and doctor referral
  • Emergency Services – local dispatchers must ensure addresses are correct to dispatch emergency response teams promptly
  • Financial Services – incorrect addresses make transactions and compliance difficult, as well as more vulnerable to fraud
  • Telematics – real-time data collection is necessary to track stolen cars, manage maintenance schedules, measure driver behavior, and help insurance companies understand their risk

Integration of global address capture and address verification APIs into any application’s workflow enables resolution of address and geocode data quality issues, ensuring a complete, accurate view of a location record for any use case across a business.

enter emerging markets

The solution lies in global address data

Regardless of industry, all sectors rely on clean address data to effectively serve their customers, residents, and patients. Without access to correct, standardized address data, companies cannot reach the customers, leaving them unsatisfied with services, or worse -- without access to essential items or medical aid. Operating with a customer-first business strategy involves first understanding and locating your consumers.

Address verification (AV) tools, like Loqate’s Capture, Verify, and Geocode APIs, help to equip businesses with the tools they need to quickly and accurately pinpoint their customers’ locations. Our global address database, combined with our geocode data, allows companies to capture, format, enhance, and standardize an input address down to the apartment number.

In rural areas where addressing standards are loose or non-existent, the ability to determine a location’s longitude and latitude coordinates can make all the difference between a failed and successful service or transaction.

To provide global coverage, our address data is curated from multiple sources, including official postal authorities and geospatial data providers, to create a golden reference record against which data is verified. This wealth of knowledge makes our solutions ideal for embedding into ERPs, GIS, and ML applications. It is the combination of our Capture and Verify technology platforms with our global reference data that enables Loqate to deliver a superior solution to our partners and their customers. 

Click here to learn more about Loqate’s solutions and how they can amplify your global business.  

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