Completed

MSME Credit Scoring Solution

How Unity Bank partnered with innovators to build an AI-powered alternative credit scoring system that increased approvals by 40% for underbanked MSMEs.

40%

Approval increase

$2M

Funding raised

6 mo

Build time

Pilot sites

Unity Bank Malaysia

Financial Services

Overview

This case study highlights the development and deployment of an alternative credit scoring solution tailored for MSMEs using non-traditional data sources. The initiative aimed to expand financial inclusion while maintaining compliance and risk standards.

Aggregated mobile money, utility payments, and business performance data
Explainable ML models to satisfy regulatory requirements
Seamless API integration into existing loan workflow
Gradual rollout via pilot with continuous A/B improvements

Approach

Co-created with Unity Bank risk teams and regulators to ensure alignment on data usage and model governance. Built human-in-the-loop review for edge cases and explainability dashboards for auditors.

Deployed via cloud-native microservices with strict encryption and role-based access, supporting peak underwriting volumes without latency degradation.

Results

40% higher loan approvals

Without increasing default rates, verified after 6-month post-launch period.

2x faster underwriting

Average decision time reduced from 5 days to 2.5 days.

Regulatory-grade explainability

Feature attributions accessible per decision, aiding appeals and audits.

Stakeholder alignment

Risk, product, and tech teams co-owned KPIs and review cadence.

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Quick Info

Sector FinTech

Duration 6 months

Partners TechCorp, DataFlow

Resources

Download PDF API Docs Snapshot