AI-Driven SME Credit Scoring via POS Data. Transform real-time merchant sales data into instant, explainable credit decisions — enabling faster, data-driven lending without traditional financial statements.
5x
Faster credit decisions
30%+
Higher approval rates
247
Merchants assessed
12.5B
VND portfolio value
One platform that aggregates POS data, highlights risks with AI, and integrates with Shinhan Bank for faster, smarter SME lending decisions.
Connect to VNPay, Momo, ZaloPay and bank POS systems. Ingest real-time merchant sales data for continuous credit monitoring.
Qwen AI analyzes transaction patterns, revenue trends, and customer behavior to generate dynamic credit scores (0-1000).
Color-coded risk factors (red/green/yellow) with AI-generated narratives explain every credit decision for compliance.
Automatically calculate and offer pre-approved credit limits based on real business performance, not static financials.
Interactive chat assistant powered by Qwen AI. Ask questions about any merchant's profile, run what-if scenarios.
Monitor your entire SME lending portfolio with real-time alerts, risk distribution, and performance dashboards.
From POS data to credit decision in three simple steps.
Merchant connects their POS terminal or payment platform. We ingest real-time sales data automatically.
Qwen AI processes transaction patterns, revenue trends, customer behavior, and industry benchmarks.
Receive instant credit score, risk grade, pre-approved limit, and full AI explanation — in minutes, not weeks.