[SF6] BNPL / Personal Loan Partnership
Shinhan Future's Lab Vietnam · Posted 7 months ago
Banking and financePredictive Analytics / Forecasting
- Budget
- VND 200M
- Timeline
- Not specified
- Closed on
- 3 May 2026, 23:59 ICT
Problem statement
A structured collaboration model between SVFC and a BNPL provider to co-deliver buy-now-pay-later and personal loan products.
Collaboration structure:
- Risk sharing: BNPL Provider buybacks NPL (buyback rate is 100% or TBD)
- Revenue sharing: revenue types and % shared TBD
- Cost sharing: cost types and % shared TBD
Operational responsibilities:
- BNPL Provider: Product Development, Merchant Acquisition, Marketing and Promotion, Credit Assessment, Collection Activity, Repayment Reconciliation, etc.
- SVFC: Disbursement, Loan Booking
Market benchmarking: refer to models of Fundiin x CIMB, Tala x CIMB.
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Expected outcomes and success metrics
- Feasible collaboration loan partnership model
- Borrower must have payslip
- Prioritize segment of stable income customers
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Current process
_Non-disclosed_
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Current solution
_Non-disclosed_
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Target users and impacted teams
Business Innovation, Product
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Relevant AI technologies
Predictive Analytics / Forecasting