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Following the strategy 'proactively applying technology to the shield of risk governance', Mirae Asset Finance continues to demonstrate strong digital capabilities by launching an ecosystem of comprehensive risk-management models (A-to-P Model Suite). This is not only a technological advancement but also reflects the ability to apply artificial intelligence (AI) to the company’s core operations. From defensive strategy to comprehensive operational capability According to Mirae Asset Finance, a 'technology shield' is effective only when it is smart enough and covers the entire process. On this basis, the company builds the A-to-P ecosystem (A-to-P Model Suite) – covering the full credit lifecycle of customers, from acquisition/application, through behavior tracking, to collection/portfolio management. The system is designed following a multi-layered defense model, allowing real-time risk identification and control across the entire credit journey, rather than handling risk discretely at each stage. Even when applying AI, the system’s automated decisions comply with the 'Human-on-the-loop' principle, ensuring human oversight to maintain transparency, humanity, and strict compliance with the latest regulations such as the AI Act and IFRS9. Scores shown below illustrate the heart of the system: scoring models diversify across the lifecycle. The core scoring models in use include A-Score, B-Score, C-Score, and P-Score. The company is continuing to develop the remaining models in its roadmap. The anticipated adoption of Agentic AI (autonomous AI) is expected to increase automation in complex decisions. The system does not rely on a single metric; it flexibly uses specialized indicators for each stage to optimize customer experience and capital safety. Groups: - Acquisition & Approval (A-Score & Income estimation): Quickly assesses risk upon submission; income estimation models expand access to capital for thin-file customers. - Behavior Monitoring (B-Score): Continuously monitors repayment behavior to generate early warnings, enabling proactive customer support. - Collections Prioritization (C-Score): Classifies and prioritizes debt collection resources based on risk level. - Sales Resource Optimization (P-Score): Predicts customer needs, supports cross-sell/upsell and increases customer lifetime value. Path forward: Roadmap to the future Building the A-to-P ecosystem along with stage-specific scoring models demonstrates a data-driven, integrated risk-management approach, moving beyond the fragmented methods of the past. This approach enhances risk control, operational efficiency, and credit quality, providing a foundation for Mirae Asset Finance to balance growth with risk management and contribute to a more transparent and stable consumer-finance market.
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