End-to-end digital lending, on one platform
eKYC, origination, credit decisions, eContract and Thai data sources for banks and lenders. AI does the busywork, your experts make the call, and it all runs beside the core you already have.
- 5 min
- fastest hire-purchase approval
- At a leading Thai bank, down from 1–3 days.
- 67%
- fewer tasks per loan officer
- Parallel data checks replaced a paper-based, sequential process.
- 2,000
- applications a day at peak
- At a state-backed digital lender, live in about 7 months.
Start with one module.Add the rest.
Connext
Digital onboarding
Verify a new customer in about a minute: ID capture and OCR, ISO/IEC 30107-3 Level 2 liveness, face match, and DOPA, NDID and ThaiD checks.
LOS
Origination
Design loan journeys on a drag-and-drop canvas, with dynamic forms and a Work Pool that routes hard cases under maker-checker.
Expert Decision
Credit decisions
Turn credit policy and scorecards into no-code rules, simulate them on past cases, and get approve, decline or refer with every reason logged.
Papyrus
eConsent and eContract
Capture PDPA consent and sign legally binding contracts on the customer's phone, to ETA Section 26 as standard and Section 28 on request.
Abacus
Loan management
Service hire-purchase, personal and nano loans from disbursement to closure. Next-generation LMS, in development for 2027.
Databridge
Data and AI-OCR
Thai identity, credit and asset data pre-connected, plus AI-OCR that reads and checks IDs, payslips and statements before anyone opens the file.
Designed for regulated lenders
Built for every lender
Banks were the hardest test: the strictest security reviews and regulators. Every lender since has been configuration, not a new build.
Commercial banks
Launch personal, revolving and hire-purchase products faster under BOT supervision, on top of your existing core. Live at a top-5 hire-purchase bank.
Auto leasing and hire purchase
Scan the customer's ID on the showroom floor, value the vehicle with Redbook or Bluebook, and approve and sign the HP agreement the same day.
Non-bank and digital lenders
Run personal and nano loans end to end on mobile, with eKYC, NCB consent and auto-decisions. A state-backed digital lender went live in about 7 months.
Beyond lending
The same onboarding and decision engine already runs for a card issuer, a payments company and a gold-trading business.
End-to-end lifecycle
From identity to collection, on one data model
Each phase has its own Thinker module, and every phase draws on the same Databridge data layer, audit trail and maker-checker controls.
01 · Onboarding
Onboard
Connext verifies identity in about a minute on your app, LINE OA, web or at the branch, with consent captured in eConsent.
02 · Origination
Originate
Thinker LOS runs the application, pulls NCB, AMLO and other data in parallel, and asks only for what each product needs.
03 · Origination
Decide
Expert Decision applies your credit policy instantly. Low-risk cases are approved, hard cases go to a person in the Work Pool.
04 · Booking and servicing
Contract
Papyrus signs the contract on the customer's phone and seals it with PKI and an e-timestamp. No wet signatures or couriers.
05 · Booking and servicing
Service
The loan is booked and serviced to closure, with billing, interest, collection and GL posting, on our LMS or beside your core.
Case study Highlight
Newsroom
Product news and case studies from the Thinkerfint team and our partners.
Stop spoofing without slowing users down with VerID liveness
Passive, smile, and multi-range liveness checks that catch prints, screens, and 3D masks while genuine users barely notice.
Read story
Elevated security, easy verification with VerID
Auto-capture, fraud checks, and one API for every ID type, so customers finish verification in under a minute.
Read storyFrequently asked questions
Thinker FAQs
Short answers to what lending teams ask first. For anything else, ask us directly.
Take the Thinkerfint overview with you
A short PDF for your team and stakeholders: what the platform covers, how it fits beside your core system, and how a rollout runs.
Let's design your next lending journey
Start small with one loan product: we agree the success criteria up front, prove it on your data, then scale across products.