Kuala Lumpur / Tokyo – In a significant move to modernize the financial landscape for small and medium-sized enterprises (SMEs), Bee Informatica Inc., a leader in digital finance services, has announced the official launch of its AI-Driven Credit Assessment DX (Digital Transformation) Project.

With the first phase scheduled for release soon, this initiative marks a pivotal shift in how business loans, particularly those in the critical RM5,000 to RM50,000 range, are evaluated and approved. By integrating Artificial Intelligence into the qualitative review process, the project aims to reduce human bias, increase approval consistency, and broaden financial access for entrepreneurs.

Digitizing the "Human" Element of Credit Reviews

Traditionally, credit assessments for small business loans rely heavily on two factors: quantitative data (financial statements) and qualitative judgments (interviews and character assessments). While quantitative data is easy to process, qualitative reviews have historically been subjective and dependent on individual credit officers.

FundingBee’s new project aims to structure and digitize this qualitative side. The development, running from October 2025 through December 2026, focuses on two core pillars:

1. Automation of Qualitative Processes: gradually digitizing interview-based assessments that were previously manual.
2. Advanced AI Learning: Utilizing historical default data to create optimized credit scores tailored by revenue scale, industry, and geographic area.

The Power of Voice Analysis in Risk Assessment

The most groundbreaking aspect of this release is the digitization of qualitative assessment using Voice Analysis.

Moving beyond simple transcriptions, the AI analyzes interview records to generate concise summaries and identify potential risk factors—both positive and negative. This technology evaluates changes in speech characteristics, such as:

• Speaking speed
• Volume
• Response timing

Psychological Scoring and Fairness

It is important to note that this technology is not designed to act as a "lie detector." Instead, it assesses psychological stability and response consistency. These metrics provide supplementary risk signals that correlate with repayment behavior. By highlighting points that require further review, the AI acts as a powerful support tool for credit officers, ensuring that potential risks are not overlooked and that credit decisions are consistent.

This approach aligns with global best practices, where financial institutions increasingly use biometric technologies to prevent fraud and ensure accurate risk profiling.

What This Means for SME Borrowers

For the small business owner seeking a loan between RM5k and RM50k, this technology promises a fairer and more efficient application process.

Small businesses often lack the extensive financial history of large corporations. By using advanced AI to analyze the qualitative aspects of a business owner’s interview, FundingBee can identify creditworthy applicants who might otherwise be rejected by traditional, purely numbers-based systems.

Strategic Partnership and Future Outlook

This project is being developed in collaboration with Giltz Inc., an AI technology company renowned for data analytics and intelligent systems.

"Bee Informatica will continue to enhance its qualitative assessment capabilities through AI learning and further optimization of credit scoring models," stated the company in their release. "Our aim is to achieve fairer, more consistent, and more scalable credit assessments."

Through this technology-driven innovation, FundingBee remains committed to its mission of enabling broader financial access, ensuring that deserving SMEs get the funding they need to grow.

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