ATM Online success story

An online lending platform that offers instant loans in Vietnam
Discover how ATM Online has entered a new Vietnamese market in 4 months with the help of an
end-to-end HES Lending Platform.
Founded in
Team Size
Consumer lending
Web site
HES Lending Platform provides multiple
modules that manage different phases of our
customer journey, from the onboarding process
to the automatic underwriting process, to the
manual underwriting process, and finally to
credit calculation. Highly valuable for us!
Hai Do,
CFO at ATM Online

End-to-end automated lending process

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

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 mobile phone, access their application/loan data, and receive
money on a bank account within 5 minutes. The solution processes borrowers’ loan applications
from the initial step until the full reimbursement.

4 months



faster decisions due to
a custom decision-making system


Increase in applications

ATM Online outperformed a bunch
of competitors in the Vietnamese market and demonstrates
impressive business results

The solution by HES FinTech helped the client to scale up and offer loans to an increasing
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.
Based on the HES Credit Scoring Module, the platform analyzes thousands of data points from
social media public data and 3rd party suppliers’ data to forecast the repayment behavior of
borrowers. The back-office functionality covers the application processing flow with custom
calculations and contains a customized decision-making system. The system stores and manages all
the relevant data within a process of loan origination, from the initial request to the
automation of the verification process.