Case Study: ATM Online achieves 5‑minute loan disbursements and scalable growth with HES FinTech

An Online Lending Platform That Offers Instant Loans in Vietnam

ATM Online is an online consumer lending platform in Vietnam that needed a flexible, end-to-end digital lending solution to take its microfinance business online. HES FinTech was engaged to build a full-circle loan platform, including the HES Credit Scoring Module and integrations with third-party payment systems, to automate application intake and decisioning.

HES FinTech delivered a robust loan management system with mobile borrower registration, automated verification and credit scoring using thousands of social and third-party data points, and back-office decisioning and payment integrations so borrowers can receive money to their bank accounts within 5 minutes. The HES FinTech solution automated origination-to-reimbursement workflows, enabled ATM Online to scale its customer base, and helped position ATM Online as one of Vietnam’s leading consumer lenders known for low rates and fast processing.

ATM Online

Hai Do

Chief Technology Officer