University Name: Universiti Malaya (UM)
Student Name: Muhammad Amir Firdaus Bin Mohd Kamal
Category: Financial Inclusion & SME Empowerment
Application Description: CreditPulse AI – Credit Score Generator Give small businesses the financial identity they deserve. CreditPulse AI is an alternative credit scoring platform designed specifically for SMEs in ASEAN who lack traditional credit histories. Instead of requiring complex paperwork and bank statements, simply connect your e-wallet transactions (Touch ‘n Go, GrabPay), utility payment records, and basic business information to receive an instant, bankable credit score in minutes. What You Get: Credit Score (300-850) with professional rating category Detailed Score Breakdown analyzing Payment Consistency, Transaction Volume, Business Stability, and Account Health Risk Assessment highlighting strengths and areas of concern for lenders Personalized Improvement Plan with actionable recommendations to boost your score Loan Eligibility Report showing exactly what financing you qualify for, recommended loan amounts, terms, and indicative interest rates Perfect for food stalls, retail shops, service providers, and any SME looking to access formal financing without traditional credit records. Built on AI-powered analysis that understands ASEAN business patterns and local financial ecosystems.
PartyRock Application Link: https://partyrock.aws/u/amirfirdaus1/pMHG1jgUi/CreditPulse-AI-Credit-Score-Generator