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Digital lending · Southeast Asia

A core banking system for companies that aren’t banks.

TS LMS is a core banking system for lending. It runs origination to collections with maker-checker approvals and a tamper-evident audit log, and connects to your existing ERP and banks. We design, build and run it with you.

Request a demo See the three products

Founded 2021 | English / 日本語

Solutions

Three products —
and the people who run them in production.

Compare the three →

01 · LendingTS LMSLoan management in a separate environment for each lender: applications, bank-statement underwriting, disbursement, repayments and collections, with a full audit trail.TS LMS details → 02 · Earned wage accessTS HRM + EWAGet paid for the days you've worked, before payday. Earned wage access (EWA), integrated with the employer. Staff draw on wages they have already earned, calculated from attendance and confirmed payroll. HR, payroll and tax filings sit on the same platform.TS HRM + EWA details → 03 · AccountingTS AccountingThe general ledger that will connect with TS HRM + EWA and TS LMS (automatic journals planned): double-entry books that cannot be quietly changed, with tax returns for each country (currently Cambodia), bank-statement import and a move from your current software.TS Accounting details →

How to start

Two ways to start

How we work →For companies launching lending →

Licence the platform

Who it suits: Lenders and employers with their own operating team who want proven software, hosted for them.
What is included: TS LMS and/or TS HRM + EWA as a separate deployment hosted by T&S; configuration of products, credit policy and channels; back-office training, maintenance and support.

Request a demo

Launch with us

Who it suits: Companies entering digital lending in Southeast Asia, or digitising an existing loan book, that want a partner on the ground.
What is included: Market choice, credit policy and channel design, then launch and day-to-day operations — collections, reporting and growth — on the T&S platforms.

Discuss a launch

What the founding team has done

Launching and running digital lending businesses.
Digitising microfinance institutions.
Designing co-lending schemes with financial institutions, telecom operators and e-money providers.
Implementing credit management, loan servicing and collections systems.

Channels

Lend where your borrowers already are.

Borrowers apply, verify and repay inside Telegram, LINE, Zalo or WhatsApp. Tap through a working sample.

Screen language

All screens are samples. Names and amounts are fictitious.

Market reports

Southeast Asia consumer lending, tracked with sources.

Every figure carries its definition, basis date and source. Our opinions are published separately as T&S View, with counterpoints.

Choose a country

Philippines5 Nov 2026CreditPhilippine salary-based loan growth quickens to 17.5% in September as card and auto loan growth slowsRead the article →Singapore5 Nov 2026Macro & householdsSingapore retail sales growth picks up to +1.7% in September; online share rises to 17.7%Read the article →Myanmar2 Nov 2026Macro & householdsMyanmar's manufacturing PMI falls to 47.6 in October as factories shed jobs at the fastest pace in a yearRead the article →

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SEA Lending Brief

A weekly summary of lending, credit and regulation across Southeast Asia.

Planning a lending business
in Southeast Asia?

Tell us your market, your borrowers and your channels, and we will show you how we would build and run it.

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