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Unlock the Power of Employment Data for Smarter Credit Decisions
Streamline your credit decision process with access to recent, comprehensive, verified employment data. Trust in the reliability and security of our API to provide you with the data you need to make informed decisions.
USE CASES
Multiple use cases and business models can be enabled via Smile
Buy Now, Pay Later
Get access to alternative data for credit scoring and credit decisions
Personal Lending
Streamline income
verification and minimize risk of credit defaults and non-performing loans
Earned Wage Access
Easy access to third-party employment and income data and apply consistent standards for assessing credit worthiness
Banking
Optimize loan origination process and reduce cost of compliance
Card Issuing
Reduce friction in the signup, verification and approval process
Recruitment
Automatically verify applicants' employment history and streamline employment document submissions
Rental Verification
Get proof of income and indications of renter's character and capacity
Data Services
Expand offerings to customers to include employment and income data
OUR PLATFORM
Verify your borrower's identity, income, and employment history through a single API.
Smile offers a centralized source of employment data across multiple platforms and employers with a single API.
Using employment and income data, you can make better credit decisions, increase adoption and conversion, and lower risk. And the best part? Each user gives permission to access their data, making it easy and seamless for them to share with the parties they trust.
Say hello to streamlined lending with Smile.
BENEFITS
Get the Data Access You Need, When You Need It
Say goodbye to the hassle of gathering and verifying data for your lending process. With Smile API, you'll have instant access to the most recent, comprehensive, and verified data about your users' identity, employment, and income with the user's consent.
AWARDED AND RECOGNIZED BY
Singapore Fintech Association
Certified FinTech
Hackernoon
Singapore Startup of the Year Nominee
Google Cloud Academy APAC
2023 Cohort
Top Southeast Asia Developer APIs Companies and Startups
Devcon Summit 2022
Top 8 Startup
Philippine Startup Week 2022
Top 100 Startups SHOWQASE by QBO
A-stream Singapore
Top 5 Philippine Startup
WILDFIRE Pitch Event
Top 3 Finalist
Get good customers with better data.
We provide instant access to the most recent, comprehensive, verified data about your users' identity, employment and income in the industry. Use it to make better decisions, increase adoption and conversion, lower cost and reduce risk.
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AFFILIATED WITH
