---
title: "ATM Online | Success Story | HES FinTech"
description: "HES FinTech has developed a full-cycle microfinance lending platform for a client from Vietnam - ATM Online. Learn more about the credit platform developed at HES FinTech"
url: "https://hesfintech.com/clients/atm-online/"
updated: 2026-09-09
---

LoanBox & ATM Online

# ATM Online makes decisions 80% faster with a custom decisioning system

![ATM Online lending platform](https://hesfintech.com/wp-content/uploads/2022/11/atm_heading-scaled.jpg)

ATM Online is a fintech company that targets huge and unpenetrated markets of South-East Asia with a proven online personal lending business model. The first market launched is Vietnam with almost 100 mln population, most being financially underserved. The second market launched at the end of 2017 is Sri Lanka with more than 20 mln population. The company issues loans to borrowers with limited or no credit history.

Founded in

2017

Markets

Vietnam

Team size

45

Type

Consumer lending

Website

[atm-online.vn](https://atm-online.vn/)

**4 mo.** time-to-market

**80%** faster decisions due to a custom decision-making system

**6%** increase in applications

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.

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

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.

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.

[Download PDF version](https://hesfintech.com/wp-content/themes/hesfintech_eng/docs/cases/atm_online_success_story.pdf)

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