[Who We Are]

Since 2015, PFCT has operated Korea’s No. 1 digital lending platform (P2P) by market share. Despite primarily serving mid-to-low credit borrowers and thin-file customers, we maintain a 30+ DPD delinquency rate of just 0.5%, compared with a competitor average of 7.5%, while originating more than $2.3 billion in loans per month.

In 2024, following requests from other lenders, PFCT launched its B2B business providing credit scoring models to financial institutions. Today, we provide models to approximately 50 financial institutions across four countries, including Korea’s leading credit card company, savings banks, and payment companies.

[How We Solve Our Clients’ Problems]

More than 50% of PFCT’s employees are technology or AI professionals, and our B2B division is led by a credit-risk expert with over 20 years of experience. When we develop new AI/ML algorithms and methodologies, we first test and refine them for more than six months within our own lending business, identifying how to maximize their effectiveness and adapting them specifically to real-world lending operations before offering them to our clients.

PFCT does not provide a standardized, off-the-shelf credit scoring model. Instead, we use 100% of the client’s existing data to design and build customized credit models and approval rulesets tailored to the client’s portfolio, underwriting environment, and business objectives.

When a client has a specific problem or improvement need, we conduct a 2–4 week PoC at no separate PoC fee. During this period, PFCT develops customized models, systems, and approval rulesets based on the client’s situation and data, and then demonstrates their expected impact through back-testing and simulation. This allows the client to quantitatively assess the potential value of our solution and the business case for further collaboration.