01
Scattered Borrower Data
ARC, passport, NIK, employer data, emergency contacts, and bank accounts need to be in one consistent record.
Loan Management System
Cross-Border
A custom platform for managing the NTD-denominated loan lifecycle for Indonesian migrant workers in Taiwan. The system connects borrower onboarding, contracts, installment payments, delinquency status, sales network commissions, and reporting for operations teams in Taiwan and Indonesia.
Loan Operations - Taiwan - Indonesia
ClientKSP FinanceLoan Operations - FinTech
OperationsTaiwan - IndonesiaAdmin teams in two countries
CurrencyNTDLoans and installments managed in NTD
HighlightAI-Assisted OnboardingARC Recognition - Risk Check - Loan Tracking
About KSP Finance
KSP Finance runs a personal loan business for Indonesian migrant workers employed in Taiwan. Loans are issued and repaid in NTD, while operations involve admin teams in Taiwan and Indonesia plus a tiered sales network of agencies, sales agents, and resellers.
Operating ModelCross-Border Loan ManagementBorrower data, contracts, collection, commissions, and reports shared by teams in two countries.
Sales NetworkAgency → Sales → ResellerEach level can have attribution and commission calculations based on disbursed loans.
NTDPrimary CurrencyLoans & installments
2-13MonthsStandard tenor in the system
2 CountriesOperations TeamsTaiwan & Indonesia
Operational Challenges
When borrower data, contracts, payments, commissions, and delinquency status are managed manually, teams in two countries struggle to work from the same information. Scattered processes also make portfolio monitoring and payment follow-up more complex.
02
Loan Status Must Be Monitored Manually
Days overdue, grace period, penalties, and escalation thresholds require consistent calculations for each contract.
03
Tiered Commissions Hard to Reconcile
Agencies, sales agents, and resellers have different commission attributions that need to be calculated from loan disbursements.
04
Limited Financial Visibility
Teams in Taiwan and Indonesia need the same view of payments, contract balances, delinquency trends, and reports.
The Solution We Built
Solunesia built a centralized platform to bring the entire loan lifecycle into one workflow. Borrower data starts from onboarding, flows to contracts and collection, then is used for loan status, commissions, and reporting without moving data between spreadsheets.
Implementation Approach
Each contract becomes the source of information from onboarding through to settlement.
Borrowers, identity documents, contracts, payments, penalties, sales network, and status history are connected in one operational record. Access rights and interface language are adapted so teams in Taiwan and Indonesia can work on the same system.
Core principleOne data source for borrowers, contracts, collection, commissions, and cross-border reporting.
More Structured Onboarding
ARC can be read with AI to help populate identity, dates, and employer information.
Centralized Contracts & Status
Loan amount, installments, remaining balance, status, and days overdue can be monitored from one page.
Collection Follows System Rules
Payments are recorded against penalties and principal according to the active contract conditions.
Commissions & Reports Connected
Sales network attribution and management reports use transactions already recorded in the system.
AI-Powered Onboarding
The registration form is designed to reduce repeated input at the initial stage. ARC documents can be used to help populate data, then the system runs identity checks and loan history checks before the process continues.
01
ARC Vision AI
ARC photos are processed to extract identity data, important dates, and employer names into the form.
02
Data Verification
NIK, passport, and ARC can be checked against blacklist and active loan history before onboarding proceeds.
03
Single Registration Form
Identity, employment, contacts, bank accounts, and initial contract information collected in one input flow.
Borrower Registration
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Borrower Data & Contracts
Operations teams need a quick view to see who the borrower is, what contracts are active, loan amounts, payment status, and delinquency levels without opening multiple separate files.
Borrower & Contract List
The contract list shows the borrower's key identity, contract number, loan amount in NTD, location, associated sales agent, and status indicators such as settled or overdue with day count.
01Filter by location and sales network
02Contract status visible without opening each detail
03Identity and contract data in the same record
04Loan history can be used for subsequent checks
Collection & Payments
Recording payments is not just about reducing the balance. The system needs to understand remaining principal, running penalties, contract status, and payment allocation order so collection stays consistent across the entire team.
01
Receive Payment
Enter the payment amount received.
02
Check Penalties
The system reads fines and current contract conditions.
03
Allocate Payment
Payment is directed to penalties or principal per the rules.
04
Update Balance
Remaining NTD and contract status are updated in the same record.
Collection - Principal - Penalty - Payment
Monitoring & Reporting
The management dashboard summarizes portfolio conditions from recorded contract and payment data. Teams in Taiwan and Indonesia can view the same information through role-based, bilingual interfaces.
Customer Summary - Portfolio Monitoring
Management summaries can show the number of borrowers, active and completed contracts, outstanding balances, and portfolio conditions. The system also supports financial reporting from payment recaps through to per-contract analysis.
01Indonesian & Traditional Chinese interface
02Access rights based on role and sales network
03Delinquency status updated based on overdue days
04Commission calculation for agencies, sales agents, and resellers
05Payment recap and financial analysis per contract
Implementation Impact
Implementation moved previously scattered processes into one digital flow. Teams can work from the same contract data, while payment status, delinquency, commissions, and reports follow recorded transactions.
✓
More Structured Loan Lifecycle
Onboarding, contracts, collection, status, and settlement can be traced in one system.
✓
More Consistent Delinquency Status
Overdue days and status changes can be monitored based on rules applied in the system.
✓
Commissions Easier to Reconcile
Agency, sales agent, and reseller attribution follows recorded contracts and disbursements.
✓
Two Countries, One Platform
Teams in Taiwan and Indonesia access the same data with appropriate access rights and language.
Share Your Current Process
Start with onboarding, contracts, collection, commissions, and reporting still managed through many tools.
Map System Requirements
We help identify the data, workflows, access rights, and business rules that need to be connected in one platform.
Define the Scope
Once the process is clear, modules, integrations, automation, and implementation phases can be structured more effectively.