In Korea, the loan market is divided between low-interest loans from banks and high-interest loans from secondary financial institutions. Unfortunately, there is no sector specializing in mid-interest loans for mid-to-low credit borrowers. PFCT provides reasonable mid-interest loans to many ordinary people who could not qualify for bank loans. By fully digitalizing the entire loan process, customers can easily apply for loans via mobile devices anywhere, anytime.

PeopleFund expands investors' choices beyond stocks, funds, and cryptocurrencies. Investors lend money to borrowers secured by credit or real estate and earn annual returns of around 10%. Unlike other investment products with high return volatility, PeopleFund offers fixed monthly interest and the benefit of compound returns through reinvestment. Anyone- from individuals to professional investors, corporations, and financial institutions-can easily participate as investors.

When financial institutions provide loans, about half of the total cost is allocated to risk management. This is because it is difficult to accurately assess the trustworthiness of loan applicants, leading to higher risk costs. AIRPACK, however, overcomes this problem with advanced AI technology: precisely identifies potential defaults that may be missed by financial institutions' internal credit evaluation models. Several major financial institutions in Korea are using AIRPACK to reduce risk costs, which enhances the financial health of the institutions and helps lower interest rates for borrowers, ultimately addressing imbalances in the lending market.