DCAP's pioneering AI-powered B2B2C Lending-as-a-Service (LaaS) solutions has enabled our financing partners to expand their reach into underserved markets with confidence, offering inclusive financing while making fairer, smarter, and more inclusive credit decisions. With our data driven end-to-end proprietary credit model and risk management expertise, we’ve cultivated strong partnerships and continue to seek likeminded financiers who share our vision of advancing financial inclusion and promoting ESG (Environmental, Social, and Governance) principles to create a future where everyone has the power to own and thrive.
Our proprietary system leverages advanced algorithms and machine learning capabilities to assess creditworthiness swiftly and accurately, aligning with our financing partners’ risk appetite and growth goals to optimize loan approvals while managing risk efficiently.
Our solutions include in-house Loan Origination System (LOS), Loan Management System (LMS), account management, customer support and real- time credit score to ensure smooth, efficient, and automated processes that enhance the customer experience while reducing operational overhead.
Our platform transforms data into actionable insights, empowering smarter decision-making and boost operational efficiency. We enable financiers to optimize processes, improve risk assessment, and unlock new revenue streams. Our system provides real-time data analysis, performance tracking, and customer behaviour insights, helping businesses monetize their data effectively
Sonia is an accomplished ex-banker with over 22 years of experience in business development, marketing, and partnership collaborations dealing with central banks and government agencies in the banking and automotive industries across the region.
At UOB Malaysia, Sonia excelled as the Vice President of Business Banking, focusing on SME, FX, and Banca. In previous roles at UOB Thailand, Sonia led Fintech and Partnership initiatives, driving innovation and accelerating digital transformation for SMEs.
With a proven track record of leadership and a deep understanding of the financial sector, Sonia excels in fostering strategic partnerships and spearheading transformative initiatives.
Wilson brings over 17 years of specialized experience in credit processing, operations, and analytics, covering both secured and unsecured products for consumer and commercial segments.
At Hong Leong Bank Malaysia, Wilson served as the Head of Credit for Personal Loans, where he managed and optimized credit operations. He then held the position of Head of Risk & Compliance at Boost Credit, where he was a pioneer member of the team that established Boost Bank, one of the five digital banks in Malaysia. In this role, he focused on serving the underserved segments through micro-financing and micro-insurance products.
Wilson’s deep expertise in credit and risk management enhances his ability to drive operational excellence and ensure robust compliance in evolving financial environments.
