Digital banking technology platform enabling Traditional Financial Institutions to finance micro and small businesses with AI automated data driven solutions
We developed an AI powered, "drag and drop' configurable digital technology platform to help banks acquire and retain customers, and manage loans and deposits- faster, simpler, and more secure. We digitise and automate processes from application to servicing, and our feature rich white- label products are customisable to any bank's customer journey- all with simple set of APIs.
With our configurable data driven tools banks can launch a new product every few weeks, or a new digital bank in a matter of months- with minimum to no upfront investment.
Our platform is powered by three seamlessly integrated banking technology engines:
With our card product suite and simple set of APIs banks can configure any type of card product; virtual and physical, personal or corporate, VISA, Mastercard, Union Pay or Private label. We are constantly innovating with instant card offering into digital wallets including Google Pay and Apple Pay, and many localised wallets with QR Code based solutions
With our automated digital workflow and decision making system banks can create customer centric processes for any credit product, from simple retail to complex business loan applications. The system also serves as a comprehensive, end-to-end KYC solution that digitally captures customer information and pushes through a workflow of checks and verifications
With our intuitive AI powered chatbot engine banks can accelerate customer acquisition and analyse customer behaviour across multiple digital channels, including but not limited to Facebook Messenger, WhatsApp, WeChat and Telegram
With our Payment Gateway solution banks can offer merchants multiple payment acceptance methods including BNPL
We are essentially a Third Party Processing Company, operating own PCI DSS certified CyberSecure infrastructure, and offer banks a comprehensive suite of managed services; including customer acquisition , application processing, scoring, KYC, card issuing, payment processing and loan servicing.
In a nutshell, we help banks close more loans and deposits, and lower servicing costs with AI powered automation and machine learning insights driven digitisation of multiple processes across customer journey and product lifecycle.
Our Value Proposition has a four-pronged approach:
We work together with partner banks to create seamless customer journeys from application to close. Our team of engineers and data scientists work in tandem and utilise AI and machine learning algorithms to identify emerging traits in customer behaviour and our configurable tools allows us to offer multiple customer journey iteration to ensure next generations product evolution
We work with our partners to advance customer acquisition and retention strategies in the target segment utilising our AI powered chatbot platform, digital KYC and scoring tools, coupled with predictive analytics and behavioural score algorithms to ensure significant increase of ROI on customer acquisition cost compared to traditional channels
We manage credit card accounts, merchant accounts, personal loans accounts and business accounts on behalf of our partner banks, while the account ownership is always with the bank. We adhere to best standards of privacy and security and operate PCI DSS certified infrastructure. Our data driven automated system triggers periodic reviews and re-evaluations, which enables us to maintain bank's customer accounts in full regulatory compliance
We operate a powerful payment gateway and can orchestrate payment processing solutions for merchants including multiple payment methods and configurable BNPL solutions. We use our payment gateway technology in loan servicing and collection scenarios, with our automated chatbot managing repayments
automated reminders and payment link calendar integration, and reduce delinquencies and cost of collection
Our goal is to ensure continuous business growth and profitability to our partner banks. With our own PCI-DSS certified data centres with value added Cyber Secure Data Tokenisation, we can enable secure solutions across multiple jurisdictions. We continuously develop products, like mortgages and car loans.
We currently offer our partners five white-label feature rich product APIs, which can be configured, launched and managed from a single dashboard:
