{"@context":"https://neupai.io/schema/v0.2","@type":"StructuredNewsArticle","identity":{"article_id":"tech42_20260430_pfct-southeast-asia-rent-payment-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%2580%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":"www.tech42.co.kr","type":"online"},"author":"황정호 기자","published_at":"2026-04-30T01:41:52.000Z","updated_at":null,"language":"en","article_type":"straight_news","originality":"self_produced"},"content":{"headline":"PFCT Builds AI Credit Assessment Model Using Southeast Asian Rent Payment Data","summary":"AI technology finance company PFCT has collaborated with Indonesian proptech company Mamikos to develop an AI credit assessment model based on rent payment data. The company processed over 210,000 contract data points to build tenant data for 40,000 people, achieving a 95% recall rate.","topics":["ai","fintech","proptech","credit assessment","southeast asia"],"geography":["KR","ID"],"entities":[{"name":"PFCT","canonical_id":"corp:kr:pfct","type":"company","role_in_article":"primary_subject","metadata":{"ticker":null,"parent":null}},{"name":"Mamikos","canonical_id":"corp:id:mamikos","type":"company","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Indonesia","canonical_id":"location:id:indonesia","type":"location","role_in_article":"mentioned","metadata":{"ticker":null,"parent":null}},{"name":"Lee Soo-hwan","canonical_id":"person:kr:lee-soo-hwan","type":"person","role_in_article":"quoted","metadata":{"ticker":null,"parent":null}}],"claims":[{"id":"c1","statement":"Processed and refined over 210,000 raw data points to build tenant data for 40,000 people","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"this model development","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c2","statement":"Developed a credit assessment model based on valid data from approximately 27,000 of these people","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"this project","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c3","statement":"Mamikos is an Indonesian online residential rental platform established in 2015","as_of":"2015","as_of_explicit":true,"as_of_raw":"2015","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c4","statement":"Monthly users exceed 6 million, and it currently holds over 3 million rooms and over 200,000 properties in 150 cities","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"currently","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c5","statement":"Performance verification recorded approximately 95% recall rate based on 'overdue by 2 days or more' criteria","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"performance verification","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c6","statement":"PFCT is an AI technology finance company established in 2015","as_of":"2015","as_of_explicit":true,"as_of_raw":"2015","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c7","statement":"Cumulative investment amounts to approximately ₩14.5 billion as of April 2026","as_of":"2026-04","as_of_explicit":true,"as_of_raw":"as of April 2026","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c8","statement":"Plans to expand credit assessment models that can be utilized in the global market by combining with various platform data including not only proptech but also e-commerce and mobility in the future","as_of":"2026","as_of_explicit":false,"as_of_raw":"in the future","source_type":"company_plan","comparison":null,"type":"future_plan","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}}