GAVIN MARKETING INC
SmartLoan.tw

The Bznk fintech ltd. business fundraising platform is Taiwan's first online corporate accounts receivable peer-to-peer (P2P) lending matchmaking platform. Bznk fintech ltd.'s credit rating and early warning system targets accounts receivable from genuine transactions of small and medium-sized enterprises (SMEs). It evaluates case risks and calculates discount rates by analyzing multiple dimensions—including transaction rationality and authenticity, payment schedules, buyer credit status, and seller credit status—through a combination of big data system analysis and professional, senior manual credit investigation.

Bznk fintech ltd.'s corporate project financing matchmaking platform lists carefully audited debt claims on the platform for investment users to subscribe to as digital debt claims, after establishing blockchain records for them. The disbursement of investment funds, the distribution of repayments after checks are collected and cashed, and the notification mechanism in the event of default are all automatically executed in the spirit of smart contracts.

Enterprises provide their operational data (via third-party platforms such as Google Analytics) and financial data to 經濟體股份有限公司's PezzaLoan and PezzaFund platforms. Based on the acquired data, 經濟體股份有限公司 evaluates the borrowing customer's risk level and interest rate through an AI risk model. Once the borrowing enterprise agrees to the interest rate and terms, 經濟體股份有限公司 matches them with funding sources (leasing companies, angel investors, and high-net-worth individual investors).

At the same time, 經濟體股份有限公司 cooperates with core enterprises in supply chain finance to evaluate the risk level and interest rate of borrowing customers through the AI risk model, based on the transaction data between the core enterprises and their upstream and downstream partners.

Our innovation lies in the fact that traditional financial institutions primarily rely on collateral provided by enterprises to make lending decisions for small and medium-sized enterprises (SMEs). This is not only because physical assets themselves possess market reference value, but also because they serve as an important cornerstone for the operations of traditional industries, such as manufacturing. However, many industries have now transitioned to using online channels as their primary sales avenue, such as e-commerce. The core value of these enterprises no longer relies on physical assets, but rather on virtual data such as ROAR (online advertising effectiveness) and MAU (active customers). These key indicators are more effective for evaluating the future operational status of the enterprise. PezzaLoan determines the customer's credit risk through AI model analysis based on the customer's operational data and actual performance over the past two years. It then assesses the enterprise's borrowing interest rate according to its risk profile and matches them with funding sources on the platform. Because the traditional financial industry struggles to grasp the repayment capabilities of SMEs, it primarily relies on the land, factories, and equipment owned by the enterprises. Consequently, emerging industries that use the internet as their primary sales channel find it difficult to obtain loans.

Meanwhile, PezzaFund is a one-stop solution that addresses the challenges investors face, such as the difficulty of finding high-quality investment targets before investing and the burden of continuous management after investing. All relevant information can be accessed and resolved in one place on the platform.

The most prominent feature of "Supply Chain Finance" is identifying a major core enterprise within the supply chain and, using this core enterprise as a starting point, providing financial support to the entire supply chain. On one hand, it effectively injects capital into the relatively disadvantaged upstream and downstream supporting small and medium-sized enterprises (SMEs), resolving their financing difficulties and addressing imbalances within the supply chain. On the other hand, it integrates bank credit into the purchasing and selling activities of these upstream and downstream enterprises, thereby enhancing their commercial credit, fostering long-term strategic collaborative relationships between SMEs and the core enterprise, and ultimately boosting the overall competitiveness of the supply chain.