T&S Asset Management

Platform · Loan management

TS LMS

Loan management for lenders, from application to collections, with dual control and an audit trail at every step.

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Overview

TS LMS is a loan management platform licensed to lenders and hosted by T&S as a separate deployment for each lender. Our aim is to put financial inclusion into practice as a profitable credit model, not leave it as an ideal — through underwriting with alternative data, collections operations rooted in the field, and a scalable digital finance platform. Everything that differs between lenders — market, currencies, languages, product catalogue, integrations and approval thresholds — is configuration, not code.

Design principles

Cloud-native

Delivered as SaaS, built for scalability and high availability.

API-first

Every function is available through an API, so integration is straightforward.

Composable

Pick and recombine modules as needed, without vendor lock-in.

Platform modules

Credit management

  • Credit scoring, including bring-your-own-model (BYOM)
  • No-code credit-policy editor
  • Condition simulation and testing
  • Interest-rate management
  • Underwriting decisions
  • Regulatory compliance: AML/CFT and PEP screening
  • Fraud detection

Loan servicing

  • Contract management
  • Repayment schedules
  • Delinquency management
  • Payment and receipt management
  • Auto-debit via bank API
  • Revenue-share calculation
  • Multi-tenant dashboard
  • Collections and dunning

Customer

  • Customer management
  • Application management
  • eKYC and OCR
  • Document management
  • Attribute management
  • Audit trail and logs, with IP and time restrictions
  • Rewards and incentives

Interfaces

  • App and web
  • SDK UI components
  • Developer experience
  • Digital engagement

Products supported

  • Consumer loans
  • Business loans
  • Instalment sales (EMI / BNPL)
  • Revolving credit lines
  • Asset-backed finance
  • Receivables financing
  • Earned wage access
  • Islamic finance

End-to-end operations

  1. EngagementDigital ads, app download, sign-up
  2. OriginationeKYC, application, e-documents, identity check, customer-list matching, blacklist, AML/CFT/PEP screening before the transaction, attribute and metadata capture, authenticity check
  3. JudgementIncome assessment, credit bureau inquiry, credit score, credit decision
  4. Contract and disbursementContract and payout
  5. CollectionRepayment schedule, payment management, work allocation, dunning channel selection, reminders and collections, rate incentives, limit increases and upsell
  6. Accounting and reportingInterest and late-fee calculation, payment reconciliation report, account breakdown, trial balance, monthly regulatory report

Deployment

Hosted by T&S as one deployment per lender, on Google Cloud or AWS. The platform runs on MongoDB, PostgreSQL or MySQL. Staff use a web console, and borrowers can be served through an app, web, SDK or mini app — or by staff alone before any customer channel is connected.

Security and data location

  • Built against a written security requirements specification, with continuous-integration gates for secret scanning, dependency audit, lint and container scanning.
  • Field-level AES-256-GCM encryption for sensitive customer fields and uploaded documents, with keys the database never sees.
  • Encryption key management, authentication and authorisation, and monitoring are part of the platform.
  • Staff sign-in designed for an identity-aware proxy with enforced two-step verification; permission-based access control and branch scoping.

Audit log and regulatory reporting

  • Append-only audit log linked by a SHA-256 hash chain, with a verification job that recomputes every link.
  • Every state change records who acted and the request id; document views and access to unmasked data are logged.
  • Reports export as CSV for auditors, and the hash of each borrower's key-facts statement is kept in the audit chain as evidence of disclosure.

Integrations: API, mini apps and mobile

  • Cloud: Google Cloud / AWS
  • API management and webhooks
  • Credit bureaus
  • Core systems: central payment gateway, bank API, ERP
  • Monitoring; authentication and authorisation; encryption key management
  • Analytics (BI / AI)
  • CTI / IoT
  • Channels: app, web, SDK and mini apps (Telegram, LINE, Zalo); WhatsApp conversational flow

Rollout steps and duration

Banking architecture in a month

  1. Week 1 · Preparation
    Same-day sandbox; API documentation and developer portal; kickoff on loan product design and credit policy
  2. Week 2 · Integration
    Embed into the app or web via SDK; start bank API (write) and payment-network integration; enable eKYC and AML screening
  3. Weeks 3–4 · Customisation
    Implement the client's own credit model (BYOM); tune UI/UX to the brand; set admin access control
  4. Week 5 · Final validation
    End-to-end testing; load testing and security vulnerability assessment; back-office training
  5. Week 6 · Go-live
    Production deployment (multi-AZ, redundant); encryption and certificate setup; 24/7 monitoring
  6. After launch · Operate
    Analytics and reporting; maintenance and support

Duration: About six weeks from kickoff to go-live

Contracts and compliance

  • NDA and SLA available
  • Contracts under Japanese law
  • Anti-social-forces clauses
  • Compliance with Japan's Act on the Protection of Personal Information (APPI)

Pricing approach

Licensed to the lender and hosted by T&S.

Other solution

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Get paid for the days you've worked, before payday.

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