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Build scorecards faster. Deploy smarter.
Empower your team to create, test, and launch custom credit scoring models — no complex setup, no long delays. Adjust weights, simulate outcomes, and push live in minutes.
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Bringing technology closer to everyone
Ready to deploy, easy to integrate—financial solutions built with deep market understanding and designed for the real-world.
We’re backed by industry leaders
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Modular solutions
Seamless tools, unified outcomes
Each solution within the AND platform connects effortlessly, allowing you to scale operations, reduce silos, and unlock deeper value—without the complexity of disconnected systems.
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End-to-end lending system
Streamline your entire lending lifecycle with automated workflows—from onboarding and KYC to origination, management, and collections—all with real-time tracking.
Effortless document efficiency with mindox AI
Reduce manual tasks, enhance data accuracy, and optimize workforce deployment for greater efficiency.
Omnichannel intake
Collect and process documents from email, chat, CRMs, and more.
Bank statement
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Financial statement
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Official receipt
Payslip
DTI certificate
Registration certificate
Barangay business clearance
Mayor’s permit
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Government ID
Invoice
Housing application form
Property document
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Insurance claim
Insurance report
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Purchase order
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Bill of Lading
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Delivery order
Utility bill
Bank statement
Financial statement
Official receipt
Payslip
DTI certificate
Registration certificate
Barangay business clearance
Mayor’s permit
Government ID
Invoice
Housing application form
Property document
Insurance claim
Insurance report
Purchase order
Bill of Lading
Delivery order
Utility bill
Bank statement
Financial statement
Official receipt
Payslip
DTI certificate
Registration certificate
Barangay business clearance
Mayor’s permit
Government ID
Invoice
Housing application form
Property document
Insurance claim
Insurance report
Purchase order
Bill of Lading
Delivery order
Utility bill
Bank statement
Financial statement
Official receipt
Payslip
DTI certificate
Registration certificate
Barangay business clearance
Mayor’s permit
Government ID
Invoice
Housing application form
Property document
Insurance claim
Insurance report
Purchase order
Bill of Lading
Delivery order
Utility bill
AI-powered extraction
Extract insights from any document—no matter the format or structure.
Turn documents into business intelligence
Export anywhere
Send clean data to your tools via API, Excel, or PDF
—ready for action.
—ready for action.
Unlock better lending outcomes with advanced credit scoring tools.
From out-of-the-box scorecards to fully customized models, our AI-driven solutions help you assess risk more accurately, automate approvals, and confidently serve more customers.
Drag-and-drop builder with full attribute control
Test and preview scoring logic instantly
Connect directly to your workflows via API
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Tailored scoring logic, built for your business
Design and deploy AI/ML powered scoring models that reflect your own policies, risk appetite, and borrower profiles — no one-size-fits-all logic.
Configure scoring attributes and weighting in minutes
Test performance, and re-train your model with historical and live data
Deploy instantly and integrate via API to your LOS
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Document intelligence, delivered
Effortlessly manage, store, and process documents at scale. Our secure platform turns messy paperwork into structured, actionable data—without the manual overhead.
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Engage customers everywhere
Connect and collect data from every channel—email, chat, CRM, voice, and more. Our omnichannel engine centralizes it all in one place so nothing slips through the cracks.
Countries
Our footprint
Specialised domain expertise in digital lending for both B2B and B2C
11
Countries and growing
8+
Year of experience in AI/ML
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235
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11
210
-8
238
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35
242
-30
150
15
235
-10
255
31
277
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7
260
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5
245
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Stay in the loop with AND Solutions Insights
A monthly snapshot of how fintech, AI, and automation are evolving in Southeast Asia, plus what we’re building at AND along the way. (edited)
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Blog
Explore our latest thinking on lending technology
We share what we learn—about lending, compliance, automation, and more. Explore fresh ideas, practical tips, and the tech shaping the future of finance.
Looms - LOS & LMS
Lending
Understand what Loan Origination Systems (LOS) and Loan Management Systems (LMS) are and how they can accelerate your lending processes.
Fintech insights
At this year’s Money20/20 Asia in Bangkok, the spotlight turned toward emerging markets and how purpose-built technology can unlock growth where traditional systems fall short.
AND Voices
AND Voices brings real-world business insights from our experts. In this edition, Abdul shares lessons from a year of building relationships and closing deals in the Philippines.