The economy of this Asian country is fundamentally driven by small and medium-sized enterprises (SMEs), which constitute the vast majority of local businesses and serve as the backbone of employment and regional economic development. However, the current credit evaluation ecosystem remains heavily dependent on traditional, labor-intensive processes, making it difficult to efficiently assess a large number of SMEs across diverse industries.
Further compounding this challenge, each financial institution in the country applies its own credit standards and evaluation criteria. In the absence of a unified, data-driven framework, the system suffers from inconsistent assessments, information asymmetry, and high transaction costs. As a result, many capable SMEs face obstacles in accessing formal financing—not due to poor performance, but because standardized, scalable, and transparent mechanisms to evaluate their true creditworthiness have been lacking.
This structural inefficiency has significant national implications. Limited access to credit restricts SME growth, suppresses innovation, and weakens overall market vitality. Over time, it undermines balanced economic development, dampens export competitiveness, and slows private-sector-led growth. Modernizing the credit assessment infrastructure—through data integration, automation, and intelligent rating systems—has therefore become a strategic priority to unlock the country’s economic potential.
Against this backdrop, INF has partnered with the national credit bureau and a leading credit rating agency to jointly establish a Dynamic SME Credit Rating national standard. Leveraging AI-driven data processing and intelligent automation, INF has transformed the credit rating and publication workflow into a fully dynamic, automated system. This breakthrough dramatically reduces manual workload, enhances rating accuracy, and accelerates SME lending efficiency—ultimately improving financial circulation and stimulating economic growth across the country.
This initiative marks a flagship milestone in AI-enabled financial infrastructure modernization and underscores INF’s leadership in building scalable, data-intelligent credit ecosystems across Asia.
