Unlock more
SME loans.
Stop leaving
revenue behind.
Paxingo gives regional banks in Vietnam, Singapore, Malaysia and Indonesia an AI-powered second look at declined SME loan applications — turning responsible rejections into responsible approvals.
Traditional credit scoring
leaves creditworthy SMEs behind
Rigid legacy models, thin credit files, and limited bandwidth for re-underwriting mean billions in responsible lending never happens.
Rigid Credit Models
Legacy scoring systems fail to capture the true risk profile of SEA SMEs — businesses with thin or non-traditional credit files are automatically excluded, regardless of actual repayment capability.
No Meaningful Second Chance
Declined applicants almost never get a re-review. Banks lack the tools, data, and bandwidth to systematically re-underwrite rejections — so creditworthy SMEs simply walk away.
Significant Missed Revenue
Billions in SME loan revenue are left on the table annually across Vietnam, Singapore, Malaysia and Indonesia — a direct consequence of underwriting blind spots that better data could resolve.
Four steps. No disruption
to your existing workflow.
Paxingo integrates directly with your Loan Origination System via REST API — go live in weeks, not months.
Your LOS flags an SME loan application as declined under standard underwriting criteria. Paxingo receives the data automatically.
Our AI engine re-evaluates using alternative data: cash flow patterns, transaction history, sector benchmarks, and regional repayment behaviour.
Bank receives a scored recommendation with a plain-language rationale — full explainability for your credit committee, aligned with local regulatory standards.
Creditworthy SMEs get funded. Your bank grows its portfolio responsibly — with better risk visibility and a measurable increase in approval rates.
Purpose-built for the region's regulatory and data realities
Paxingo isn't a generic lending tool retrofitted for Southeast Asia — it's designed from the ground up for VN, SG, MY, and ID markets.
Alternative data models trained specifically on SEA SME profiles and regional repayment behaviour.
REST API connects to your existing Loan Origination System. Live in weeks, not months.
Every recommendation includes a plain-language rationale for your credit committee — no black boxes.
Built to MAS, OJK, BNM and SBV guidelines on AI-assisted credit decisions.
Multi-currency, multi-language outputs configured for each of the 4 SEA markets.
Real-time dashboard tracking second-look approvals, vintages, and loan performance.
Localised for each market
Each country deployment is configured for its regulatory framework, local SME data sources, and language requirements.
Fast-growing SME sector with high demand for alternative credit assessment and digital lending.
Fintech-forward regulatory environment with strong institutional appetite for AI-driven credit tools.
Mature SME ecosystem with established co-operative and regional banking infrastructure.
Largest SEA economy with a vast underbanked SME population and growing digital financial infrastructure.
Ready to give SME
applicants a second chance?
Join regional banks across Southeast Asia using Paxingo to responsibly grow their SME loan books — without adding headcount or disrupting existing workflows.
