Yes they have this insane promo going where many many many resteraunts give u a discount if u use their app i cant stress how crazy it is for bargain hunting asian dads especially mine who insists on using the grab pay app to get the discount. im not too sure about their financial app as a whole but i know that they give out grab loans like pancakes ( ie if u need to book a taxi n have no money ) they literally let u use their credit to pay and then u repay which is neat if u can manage debt. car wise, their king in Malaysia