[SB9] AI-Driven SME Credit Scoring via POS Data
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
Connect Shinhan Bank with POS systems and payment platforms to collect real-time merchant sales data, using AI to assess business performance and generate pre-approved credit limits for SMEs — enabling faster, data-driven lending decisions without traditional financial statements.
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Expected outcomes and success metrics
- Increase SME loan approval rate (especially thin-file customers)
- Reduce credit assessment turnaround time
- Improve risk accuracy using real transaction data (vs. static financials)
- Expand SME lending portfolio and market share
- Unlock new customer segments (micro & informal businesses)
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Current process
_No existing solution available_
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Current solution
_No existing solution available_
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Target users and impacted teams
| Team / Department |
|---|
| SOHO Dept. |
| Retail Lending Dept. |
| Risk Management Division |
| Digital Business Unit (Digital Corporate Cell) |
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Relevant AI technologies
Predictive Analytics / Forecasting