Your credit policy
Every credit decision runs on your rules. Every financing product sits inside your licence.
For banks and financial institutions
Become the bank SMEs run on every day.
Five platforms that put payroll, payments, invoices and lending inside your channels. You keep the customer, the brand and the balance sheet. We provide the technology, the data and the integration.
01Value to the bank
What each platform adds for a bank.
| Platform | New relationships | Assets and income | Data the bank gains |
|---|---|---|---|
| CIXOR PayDay | Employers, and every employee paid into the bank | Wage-access and employer rollover assets | Payroll and attendance |
| CashDay | SME suppliers and their buyers | Invoice financing on verified receivables | Invoices, collections, cash position |
| FirstMicro | SMEs and micro-borrowers through embedded channels | Digitally originated loans | Applications and repayment behaviour |
| iPayLater | Merchants and their shoppers | Consumer instalment assets, merchant fees | Checkout and repayment |
| A2A Pay | Merchants and ecosystem members | Payment flows through bank accounts | Transactions and settlement |
02Control
You keep control.
Your brand
White-label deployment of one platform or the full family.
Your exposure, monitored
Where you fund, the exposure is yours, priced on live data, with early-warning signals and portfolio dashboards.
One integration
API or host-to-host, alongside your core. No migration programme.
Hosted to your standard
Data residency and controls configured to your requirements and Bank Negara Malaysia’s RMiT policy.
No competing lender
EOGSB carries no lending book and does not compete with you for the customer.
- Discovery and integration design1 month
- Integration and sandbox testing2 months
- Controlled pilot3 months
- Commercial rollout3 months
- Optimisation and ASEAN roadmapOngoing
Questions
For financial partners, answered.
Does this add credit exposure for us?
Where you fund wage access, invoices, loans or instalments, yes: that exposure is yours, on your credit policy. The platforms price it on verified, live data and give your credit team monitoring and early warnings.
What do we need to change in our core system?
Nothing structural. The platforms connect through API or host-to-host integration.
Who handles regulatory questions?
Our Director of Legal and Compliance owns the regulatory perimeter, data protection and every compliance conversation with partner institutions. Specific regulatory treatment remains a matter for the institution and its regulator.