China Rapid Finance Limited (XRF) Q3 2019 Results Earnings Conference Call December 16, 2019 8:00 AM ET Company Participants Zhengyu Wang - Founder, Chairman & CEO Steven Foo - CFO & Executive Director Conference Call Participants Operator Hello, ladies and gentlemen. Thank you for standing by, and welcome to China Rapid Finance's 9 Months 2019 Earnings Conference Call. [Operator Instructions] Please note that today's conference call is being recorded. I will now turn the call over to the host for today's c ...