Buy Now Pay Later
One stop-shop for a fully automated and cost-effective Buy Now Pay Later solution from decisioning to collection
Consumer Financing
Fully configurable secured and unsecured loan capability with ability to use hundreds of traditional & alternative data sources for risk management
Business Financing
Complex loan origination, loan management and compliance all in one platform
Explore our complete portfolio
We give our clients the most advanced Data Driven, Cloud Native, AI enabled and Distributed digital platform for lending, mature and purpose built to operate at scale with full automation.
Operate at Scale
We have processed over $100 billion in loans to date and are trusted by financial institutions and businesses across four continents. Our end to end digital lending solution has deep experience and has performed strongly at scale.
Data-Driven Risk Management
The millions of online credit decisions made by our solutions integrate massive amounts of data from banks, telco, utilities and other sources for deep insights in credit decisioning.
Intelligent Automation
Reduce operating cost and human error by fully automating credit decisioning, fund routing and collections with definable parameters and 24 by 7 monitoring and exception handling
Rapid Launch
Combining extensive lending practice know how, service capabilities in data analytics, risk modelling and third-party system integration, we can help you revolutionise your lending practice quickly.
Success Stories
SME Lending
Powering the world’s largest bank’s SME lending product with tailored risk management solutions.
Business Financing – Commercial
Providing NAB, one of the largest banks in Australia with commercial credit service capabilities for 6000 business bankers since 2011.
Retail Financing – Instalment Loans
Assisting United Overseas Bank with automated microfinancing platform, servicing businesses across South-East Asia.
Digitisation & Technology Integration
Jointly established innovation centre with East West Bank for extending the bank’s digital service capability globally.
Business Financing – Commercial
Helping Toyota Finance manage complex commercial credit activities across 2 continents and with 1700 dealers since 2015.
SME Lending
Supporting the SME focused challenger bank’s risk analysis and governance and compliance activities with a cloud-based intelligent credit management platform.
Consumer Financing - Wage Advance
Enabling its wage-on-demand services to help applicants get their earn wages anywhere, anytime, and spend on anything they want with any merchants.
Consumer Financing - Personal Loans
AI-powered digital lending solutions to help 3 million underbanked Aussies get loans quickly and efficiently.
Retail Mortgage
Assisting the Commercial Bank of Dubai with origination management for mortgate lending.
Digitisation & Technology Integration
Application development and integration service for the Hong Kong Stock Exchange.
Buy Now Pay Later
Buy Now Pay Later solution for Hujiang, an online education provider. Students can access over 1000 courses and study first, pay later.
Buy Now Pay Later
Buy Now Pay Later solution for phongvu.vn, a top-10 Vietnamese electronics retailer with 90+ offline stores across Vietnam.
Consumer Finance
Provided I&G Guaranty, the largest guarantee company in China with an end-to-end consumer financing solution. 1.2 million loan applications processed and approved to date.
Buy Now Pay Later
Buy Now Pay Later solution for China Telecom, one of the largest Telcos in the world. Over 1million customers purchased their mobile handsets on finance since go-live.
Retail Financing – Instalment Loans
Assisting Xiaomi with instalment loan capabilities as part of its finance application to extend credit to applicants.
Buy Now Pay Later
Buy Now Pay Later solution for Ctrip, the world's second largest online travel agency and owner of trip.com. Extending credit to users for their travel needs.
Wealth Management
Provided Minsheng Securities with technology solutions for a fully automated Robo-Advisory business. Achieved $20 million Asset Under Management in the first year of operation.