{"@context":"https://neupai.io/schema/v0.2","@type":"StructuredNewsArticle","identity":{"article_id":"tech42_20260430_pfct-southeast-asia-rent-ai-credit-model","canonical_url":"https://www.tech42.co.kr/pfct-%eb%8f%99%eb%82%a8%ec%95%84-%ec%9b%94%ec%84%b8-%eb%82%a9%eb%b6%80-%eb%8d%b0%ec%9d%b4%ed%84%b0%eb%a1%9c-ai-%ec%8b%a0%ec%9a%a9%ed%8f%89%ea%b0%80-%eb%aa%a8%eb%8d%b8-%ea%b5%ac%ec%b6%95/?utm_source=rss&utm_medium=rss&utm_campaign=pfct-%25eb%258f%2590%25eb%2582%25a8%25ec%2595%2584-%25ec%259b%2594%25ec%2584%25b8-%25eb%2582%25a9%25eb%25b6%2580-%25eb%258d%25b0%25ec%259d%25b4%25ed%2584%25b0%25eb%25a1%259c-ai-%25ec%258b%25a0%25ec%259a%25a9%25ed%258f%2589%25ea%25b0%2580-%25eb%25aa%25a8%25eb%258d%25b8-%25ea%25b5%25ac%25ec%25b6%2595","ai_url":null,"publisher":{"name":"테크42","domain":"tech42.co.kr","type":"online"},"author":"황정호 기자","published_at":"2026-04-30T01:41:52.000Z","updated_at":null,"language":"ko","article_type":"straight_news","originality":"self_produced"},"content":{"headline":"PFCT, 동남아 월세 납부 데이터로 AI 신용평가 모델 구축","summary":"AI 기술금융사 PFCT가 인도네시아 프롭테크 마미코스와 협력해 월세 납부 데이터 기반 AI 신용평가 모델을 개발했다고 발표했다. 전통적 신용정보가 부족한 동남아시아 시장에서 비금융 데이터를 활용한 금융 접근성 확대 가능성을 확인한 사례다.","topics":["AI","신용평가","핀테크","프롭테크","동남아시아"],"geography":["KR","ID"],"entities":[{"name":"PFCT","canonical_id":"corp:kr:pfct-technologies","type":"company","role_in_article":"primary_subject","metadata":{"ticker":null,"parent":null}},{"name":"마미코스","canonical_id":"corp:id:mamikos","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"이수환","canonical_id":"person:kr:lee-soo-hwan","type":"person","role_in_article":"quoted","metadata":{"ticker":null,"parent":null}},{"name":"인도네시아","canonical_id":"location:id:indonesia","type":"location","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}}],"claims":[{"id":"c1","statement":"약 21만건 이상의 원천 데이터를 정제·가공해 4만명 규모의 임차인 데이터를 구축했다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"2026년 4월","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c2","statement":"4만명 규모의 임차인 데이터를 구축했다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"2026년 4월","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c3","statement":"약 2만7000명의 유효 데이터를 기반으로 신용평가 모델을 개발했다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"2026년 4월","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c4","statement":"마미코스는 2015년 설립된 인도네시아 온라인 주거 임대 플랫폼이다","as_of":"2015","as_of_explicit":true,"as_of_raw":"2015년","source_type":"journalist_analysis","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c5","statement":"월간 이용자는 600만명 이상이다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"2026년 4월","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c6","statement":"현재 150개 도시에서 300만개 이상의 객실과 20만개 이상의 매물을 보유하고 있다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"현재","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c7","statement":"300만개 이상의 객실을 보유하고 있다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"현재","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c8","statement":"20만개 이상의 매물을 보유하고 있다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"현재","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c9","statement":"성능 검증에서는 '2일 이상 연체'를 기준으로 재현율이 약 95%를 기록했다","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"2026년 4월","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c10","statement":"PFCT는 2015년 설립된 AI 기술금융사다","as_of":"2015","as_of_explicit":true,"as_of_raw":"2015년","source_type":"journalist_analysis","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c11","statement":"2026년 4월 기준 누적 투자금은 약 1452억원이다","as_of":"2026-04","as_of_explicit":true,"as_of_raw":"2026년 4월 기준","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null}],"ai_emotional_context":{"valence":0,"arousal":0,"primary_emotions":[],"secondary_emotions":[],"emotional_triggers":[]}},"provenance":{"source_chain":["primary_reporting"],"original_source_url":null,"related_articles":[]},"temporal":{"freshness":"recent","next_update_expected":null},"access":{"license":"neupai_standard","attribution_required":true,"structured_data":"free","full_text_available":false,"full_text_access":null}}