eKYC for credit financing — verified borrowers, fewer drop-offs
Verify the borrower at sign-up. Pair identity proofing with credit-score, bankruptcy, income, and address checks in one onboarding flow — built for ASEAN lenders, BNPL providers, and microfinance.
Three challenges facing credit-financing companies
Loan fraud
Synthetic identities and fraudulent applications result in significant losses for lenders and BNPL providers — particularly during the soft-pull credit window.
Application drop-off
Lengthy verification processes cause potential borrowers to abandon their applications. Drop-off correlates strongly with verification time.
Regulatory complexity
Strict KYC and AML requirements across multiple ASEAN jurisdictions — BNM, MAS, OJK, BSP, NBC — create compliance complexity.
How EMAS eKYC helps credit financing
Sub-minute identity verification at the point of loan application
Credit-score and bankruptcy-status checks paired with the eKYC flow
Facial matching and liveness detection to prevent identity fraud
AML/CFT screening against global and local watchlists
Income and address proofing for underwriting decisions
Digital signatures for loan agreements and contracts
Use cases
Personal loans
BNPL (Buy Now, Pay Later)
Microfinance
P2P lending
Auto financing
SME loans
Cut loan fraud at sign-up — without losing the borrower
Book a 30-minute scoping call. We'll walk through credit-score integration paths against your stack.
Book a demoTalk to a credit-financing specialist
Submit your details — we'll get back within 3 business days.