Bee Informatica Secures Nationwide Digital Lending Licence to Empower SMEs
Bee Informatica has secured a nationwide digital lending licence from Malaysia’s Ministry of Housing and Local Government (KPKT), aligning with Budget 2025 priorities focused on digital inclusion, SME growth, and AI adoption.
This milestone enables the fintech firm to launch an AI-driven microlending platform, addressing long-standing gaps in traditional financial systems that have excluded large segments of the population.
Currently, 40% of Malaysian adults remain underserved or unbanked, particularly in rural areas and among the B40 income group. Women-led MSMEs are especially impacted, with 95% relying on personal or family savings to grow their businesses.
Regulatory barriers—such as strict due diligence for anti-money laundering—further restrict access to basic banking, especially in remote areas. Women entrepreneurs also face obstacles such as limited financial literacy, lack of tailored products, and gender disparities in financing access.
With fewer than 30 licensed digital lenders in Malaysia, Bee Informatica enters the market with a unique, AI-first, inclusion-led approach. Its platform offers fully digital, fast, and accessible financing to underserved communities, acting as a bridge between fintech innovation and socioeconomic development.
“Our mission is simple: all SMEs should be assessed fairly and have access to finance,” said Fumiko Inada, CEO and Founder of Bee Informatica. “This licence enables us to operate nationwide, offering a lending process that is fast, fair, and fully digital.”
The platform allows borrowers to complete the entire loan process online, including e-KYC verification, e-signatures, and AI-based approval—within two to three hours, using minimal documentation.
It incorporates Optical Character Recognition (OCR) and automated risk analysis, while using alternative data points—such as business background and personality traits—for fairer credit scoring.
Key platform features include:
- Fast Disbursement: Loans approved and disbursed within hours.
- Integrated Ecosystem: API connections with CTOS, Curlec, Wise-AI, and more.
- Support for Women Entrepreneurs: A mobile-friendly interface tailored to women balancing business and family duties.
Bee Informatica ensures full regulatory compliance through secure on-premise servers and guidance from experienced legal advisors. Looking ahead, the company plans to:
- Launch Shariah-compliant financing options
- Expand AI capabilities for qualitative data
- Enhance its user interface
- Grow regionally, starting with Indonesia
The company is also preparing for a USD 1.4 million equity fundraising round this summer, supported by its lead venture capital partner. Ongoing collaborations with SME Corp and SiDEC further reinforce its commitment to Malaysia’s digital economy and inclusive financial growth.
For more information, visit: https://bee-informatica.com.
