we are reshapining financial scene to enrich everyday lives.
PFC Technologies
Everywhere
Cple
is a service that suggests all money-making activitiesby helping individuals manage their credit, which is the foundation of all financial activities.
Reshaping the landscape of Bond-based Investments
The investments available on Cple expand investors' choices beyond stocks, funds, and cryptocurrencies. Investors lend money to borrowers using assets such as mortgage, stock accounts, and credit card receivables bonds, earning an annual return of around 10%. Unlike other highly volatile investment products, investors receive fixed monthly interest payments and can benefit from compound interest through reinvestment. From individuals to professional investors, corporations, and financial institutions—anyone can easily participate as an investor.
Reshaping the landscape of Mid-interest Loans
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. Cple 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.
Reshaping the landscape of Loan Comparison
When borrowing money, what truly matters is not a variety of loan options, but the one best loan. A good loan offers sufficient limits and low interest rates. Cple goes beyond simply aggregating loan products from various financial institutions—we provide exclusive, preferential loan products. Through Cple's AI-powered loan comparison service, customers can easily check their lowest possible interest rate and maximum loan limit, enabling them to make the best financial decision.
Reshaping the landscape of Credit Score Management
While credit is the foundation of all financial activities, information imbalances in the market makes it difficult for individuals to find and implement optimal methods for credit management. Based on proprietary AI technology, Cple analyzes customers' credit status and provides customized management services unprecedented in the existing market. This allows customers to proactively manage their credit, helping them secure better loan conditions.
AIRPACK
is an AI-driven risk management solution package that helps financial institutionsoptimize profitability by reducing delinquency and default rates.
Reshaping the landscape of Risk Solution
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.
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