ATM Online success story

An online lending platform that offers instant loans in Vietnam
Discover how ATM Online has entered the Vietnamese market within 4 months with the help of HES LoanBox, an
end-to-end lending platform.
Founded in
2017
Markets
Vietnam
Team Size
45
Type
Consumer lending
HES LoanBox is the end-to-end lending platform that covers the entire business process—from customer onboarding and credit calculation to underwriting, with varying levels of automation. It has been incredibly valuable for us!
Hai Do,
CFO at ATM Online
Challenge

End-to-end automated lending process

The client needed a flexible lending solution to take their business online. Following a
requirements analysis, the HES FinTech team created a full-circle loan platform that fully
automates the microfinance lending process and provides integrations with third-party payment
systems.
Approach

Business analysis followed
by development

The outcome of the project is a robust loan management platform that allows borrowers to
register and apply for a loan via their mobile phone, access their application/loan data, and receive
money into a bank account within 5 minutes. The solution processes borrowers’ loan applications
from the initial step until the full repayment.

4 months

time-to-market

80%

faster decisions due to
a custom decision-making system

6%

increase in applications
Result

ATM Online outperformed many competitors in the Vietnamese market and demonstrated impressive business results

HES LoanBox helped the client to scale up and offer loans to a growing customer database. Now, ATM Online is one of the leading consumer lending companies in Vietnam, known for its low interest rates and fast application processing time.
Application
Onboarding
HES LoanBox analyzes thousands of data points from
publicly available social media data and third-party suppliers to forecast borrowers’ repayment behavior. The back-office functionality manages the application processing flow with custom calculations and includes a tailored decision-making system. It stores and manages all relevant data throughout the loan origination process, from the initial request to automated verification.