Lending-as-a-ServiceEurope · Southeast Asia
Digital lending infrastructure, turnkey.
Skyward Digital provides a turnkey digital lending infrastructure to banks and non-bank financial companies.
- Time-to-Yes
- 30 sec
- new client, application to payout
- 5 min
- digital KYC process
- 100%
- fully automated decisioning
- 24/7
About Skyward Digital
Technology and credit-lifecycle platform for licensed lenders.
The licensed partner lends. Skyward Digital provides the technology, the processes and the operations around every loan — from the first click of an application to the last repayment.
- Own Loan Management System (LMS)
- Own risk-assessment engine, KYC and anti-fraud
- Unique product features
- Advanced CRM and BI reporting
- In-house contact center and repayment support
- Agile methodologies and Lean management
Process
Fully digital loan disbursement, step by step.
Five steps take a client from application to money in the bank account.
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01
Apply
The client applies for the first time by filling in a profile — or repeatedly, in a few clicks.
Client -
02
Verify
The system verifies the client: risk-assessment engine, anti-fraud rules, identification of the client and of the bank account holder.
Automated -
03
Manual check
Where the automated checks call for it, a verifier reviews the client before a decision is made — about 10% of applications go through manual underwriting.
~10% of applications -
04
Decide
A fully automated step: the system analyses the application and approves or rejects it.
Automated -
05
Sign & pay out
The client signs the contract with an e-signature; money is transferred to the bank account immediately.
Immediate
Portfolio servicing
After payout, the portfolio is serviced in-house.
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In-house servicingSoft reminders only.
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Re-engagementRe-contacting clients through the channels they have agreed to.
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AI & robotsUsed to build servicing strategies.
Decisioning
Time-to-Yes: 30 seconds.
Verification, decision and contract signing happen in one digital session, at any hour.
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Time-to-Yes: 30 secondsAn answer while the client is still on the page.
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Anti-fraud checks on every applicationAnti-fraud rules and credit-history data feed each decision.
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100% digital KYC processIdentification without branches or paperwork.
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No manual verification100% automatic approval; 90% automatic for a first loan.
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E-signature for every contractContracts are signed online, in the same session.
Client journey
from application start to loan received
90% of first loans are approved automatically
Fully automated decisioning, 24/7
Platform
One platform, front to back.
The Skyward P2P Platform covers the business processes your clients see and the technology that runs behind them.
End-to-end digital lending infrastructure
Full-cycle P2P lending infrastructure covering the entire credit value chain — from customer acquisition to portfolio resolution and risk offloading. Disbursement is executed by the licensed partner (bank / FinCo).
-
01
Leads acquisition & demand generation
- New borrowers via digital channels, affiliates, partners
- Repeat-customer activation via CRM & loyalty
- Funnel optimisation, lead quality assessment
-
02
Digital onboarding & KYC
- Fully digital onboarding journey
- e-KYC: document recognition, biometrics, fraud detection
- Local AML/KYC compliance; auto profiling
-
03
Risk assessment & automated underwriting
- Proprietary models: behavioural, transactional, alternative data
- Dynamic limits, pricing, risk-based assessment
- Continuous monitoring & recalibration
-
04
Loan origination & disbursement
- Digital contracts and e-signature
- Payout to bank accounts or wallets
- Payment rails integration; real-time reconciliation
-
05
Contact center operations
- Inbound support: inquiries, repayments
- Dropped-basket & incomplete application recovery
- Tele-sales; omnichannel (calls, SMS, messengers)
-
06
Portfolio management & repayment support (DPD 1–30)
- Full portfolio monitoring & analytics
- Early-stage repayment support on an outstaff basis
- Automated reminders, soft scripts, nudges
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07
Risk transfer & portfolio resolution
- Portfolio repurchase by a Debt-Trading Company
- Off-balance-sheet risk mitigation for partners
- Transparent valuation and settlement
-
08
Reporting, compliance & governance
- Real-time portfolio, risk & ops KPIs
- Regulatory and management reporting
- Audit-ready data, full traceability
LMS platform support and professional back-end processes
Skyward Digital provides end-to-end support of the Loan Management System (LMS), covering the entire technology, infrastructure and product lifecycle.
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01
Core LMS platform
- End-to-end management of the LMS core
- Governance over architecture, logic, data models
- Source of truth for the loan lifecycle
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02
Infrastructure & cloud operations
- Production, staging, sandbox environments
- Backup and disaster recovery
- Scalability, uptime monitoring, hardening
-
03
Software development & maintenance
- Continuous support of LMS modules
- Upgrades and performance improvements
- Release management, regression testing
-
04
Research & development
- Risk models, underwriting logic, analytics
- Automation and data-driven decisioning
- Rapid prototyping of new credit products
-
05
Integrations & ecosystem
- Banks, payment providers, e-commerce
- KYC/AML providers, credit bureaus, data vendors
- API management, callbacks, data sync
-
06
Data management & analytics
- Central data warehouse & reporting layer
- Risk monitoring and BI
- Compliance-ready data and audit trails
-
07
Security, compliance & reliability
- End-to-end data protection & cybersecurity
- Local regulation & data-protection compliance
- Monitoring, logging, incident response
-
08
Operational & technical support
- 24/7 monitoring and incident management
- SLA-based support for partners
- IT, Product, Risk & Ops coordination
Partner integration toolkit
How the platform plugs into a partner bank or FinCo.
Take the whole stack or a single component.
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White-label websites
Cloned web platforms deployed under the partner’s brand, customised together with the partner.
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Risk & decision engine via API
Standalone access to our risk-evaluation and decisioning engine through API integration.
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Dedicated registration & KYC
Custom onboarding and KYC flows per partner, with brand-level application decisioning.
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Multichannel marketing
Client communication on behalf of the partner via SMS, e-mail, push and other channels.
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Payment orchestrator
Smart routing between the partner and payment gateways by availability, fees and restrictions.
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Portfolio management
Credit portfolio servicing outsourced to us, with portfolio repurchase.
Compliance & risk management
A structure that keeps the lender protected and fully compliant.
Lending stays with the licensed institution. Skyward carries the technology, the service and the credit risk.
- earned by the lender on the disbursed amount
- 10% p.a.
- financial risk for the lender — defaulted principal is fully compensated by Skyward
- 0
- 01The bond structure ensures that no lending is performed by an unlicensed entity
- 02Lending is performed by a licensed LENDER (financial company or bank)
- 03The customer signs 2 contracts: with the LENDER and with Skyward P2P
- 04Skyward acts as service and technology provider (including KYC)
- 05The LENDER bears no financial risk and earns 10% p.a. on disbursements
- 06Skyward fully compensates defaulted principal
- 07A Debt-Trading Company (DTC) buys the portfolio after DPD 30
- 08Turnkey customer support provided by Skyward
- 09Turnkey repayment support provided by Skyward
- 10Full compliance with personal data protection laws by all parties
FAQ
How we work with partner banks and financial companies.
Who is the lender?
The licensed partner — a bank or a financial company. Disbursement is executed by the partner; Skyward acts as the service and technology provider, including KYC.
How fast does a client get a decision?
Time-to-Yes is 30 seconds. The full journey from application start to loan received takes about 5 minutes for a new client and about 30 seconds for a repeat client. Decisioning is fully automated and runs 24/7; roughly 10% of first applications go through manual underwriting.
Who carries the credit risk?
The lender bears no financial risk: Skyward fully compensates defaulted principal, and a Debt-Trading Company buys the portfolio after DPD 30. The lender earns 10% p.a. on the disbursed amount.
How does the platform connect to our systems?
Through the partner integration toolkit: white-label websites under your brand, the risk and decision engine via API, dedicated registration and KYC flows, multichannel client communication, a payment orchestrator and outsourced portfolio management. You can take the whole stack or individual components.
What stays on Skyward’s side after launch?
Support of the Loan Management System across its whole lifecycle: infrastructure and cloud operations, development and maintenance, integrations, data and analytics, security and 24/7 monitoring — plus turnkey customer support and portfolio servicing.
Which markets do you work in?
The platform runs live partner operations in Ukraine and Vietnam, and we are expanding with banks and non-bank financial institutions in Europe and Southeast Asia.
Partnership
Let’s launch digital lending on your balance sheet — together.
Tell us about your institution and we will come back to you with a partnership proposal.
- Nguyen The Anh (Mr.)
- [email protected]
- SKYWARD DIGITAL COMPANY LIMITED
- 104 Mai Thi Luu Street, Tan Dinh Ward, Ho Chi Minh City, Viet Nam
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