[SF12] MicroBiz Loan for Digital Economy Sellers
Shinhan Future's Lab Vietnam · Posted 7 months ago
Banking and financeGenerative AIPredictive Analytics / Forecasting
- Budget
- VND 200M
- Timeline
- Not specified
- Closed on
- 3 May 2026, 23:59 ICT
Problem statement
AI-powered micro loan product (5–50M VND) for online sellers, freelancers, and gig workers. It uses alternative credit scoring based on e-commerce and e-wallet cash flow data, with repayment structured as a percentage of revenue instead of a fixed monthly installment.
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Expected outcomes and success metrics
- Reach a new customer segment outside traditional credit profiles
- Reduce CIC dependency via AI alternative scoring
- Lower delinquency risk through flexible repayment structures
- Achieve an NPL (Non-Performing Loan) target of <5%
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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
- Product
- Risk
- IT
- Legal/Compliance
- Sales
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Relevant AI technologies
Generative AIPredictive Analytics / Forecasting