PFCT AIRPACK AI Credit Evaluation

PFC Technologies (PFCT), formerly People Fund, is a Korean lending-technology company that says it has spent about ten years on credit risk management and has also run its own lending business. It is based in Seoul according to press coverage of its Vietnam move.

Its AIRPACK product is a B2B platform for financial institutions with two linked parts: AIRPACK-Lab for analysis and AIRPACK-Studio for operations. Users can test and deploy credit strategies in a few clicks, and the company stresses explainability of each AI-driven credit decision. AIRPACK can run on external cloud or on an institution's own servers.

• AIRPACK-Lab: analysis environment for building credit evaluation models.
• AIRPACK-Studio: operations environment to deploy and run credit strategies.
• Explainability: shows the basis for each AI-driven credit decision.
• Alternative-data models: scoring built on consumer, income and behavioural data.
• Flexible hosting: external cloud or institution's internal servers.
• Model upkeep: design, development, operation and maintenance of scoring models.

• A Vietnamese consumer finance company building a custom scorecard from alternative data.
• A bank piloting AIRPACK-Studio to test credit strategies before rollout.
• A fintech lender reducing delinquency with explainable credit decisions.

• Credit strategies can be tested and deployed in a few clicks.
• Explainable decisions help with model governance and regulator questions.
• Alternative-data models can score thin-file borrowers that bureau data handles poorly.
• Cloud or on-premise operation fits banks with data-residency rules.

Vietnam has a large population with thin credit files, and the State Bank is working on a framework for digital credit scoring, which raises interest in alternative-data models. Korean credit-technology vendors are entering Southeast Asia, with PFCT reporting work in Indonesia, Vietnam and Australia.

Seoul-based (per Asia Business Daily, January 2026). Announced Australian market entry via a supply agreement with FinanceOne in September 2025; strategic MOU with Vietnamese alternative-data fintech Hightech on 13 January 2026. Blog post claims 23-48% lower delinquency versus a partner bank's model (self-reported).