{"@context":"https://neupai.io/schema/v0.2","@type":"StructuredNewsArticle","identity":{"article_id":"tech42_20260430_pfct-southeast-asia-rental-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%259c%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":"en","article_type":"straight_news","originality":"self_produced"},"content":{"headline":"PFCT builds AI credit assessment model using Southeast Asian rent payment data","summary":"AI fintech company PFCT has collaborated with Indonesian proptech Mamikos to develop an AI credit assessment model based on rent payment data. Using approximately 210,000 raw data points, they built tenant data for 40,000 people and achieved a 95% recall rate.","topics":["ai","fintech","proptech","credit assessment","southeast asia"],"geography":["KR","ID"],"entities":[{"name":"PFCT Technologies","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":"Lee Su-hwan","canonical_id":"person:kr:lee-su-hwan","type":"person","role_in_article":"quoted","metadata":{"ticker":null,"parent":null}}],"claims":[{"id":"c1","statement":"PFCT collaborated with Indonesian online residential rental platform Mamikos to develop an AI credit assessment model based on tenant rent payment data","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"announced on the 30th","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c2","statement":"Mamikos is an Indonesian online residential rental platform established in 2015","as_of":"2015","as_of_explicit":true,"as_of_raw":"established in 2015","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c3","statement":"Mamikos has over 6 million monthly users","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":"c4","statement":"Mamikos currently has 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":"PFCT refined and processed approximately 210,000 raw data points to build tenant data for 40,000 people","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"April 2026","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c6","statement":"Among these, they developed a credit assessment model based on approximately 27,000 valid data points","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"April 2026","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c7","statement":"In performance verification, the recall rate recorded approximately 95% based on '2 days or more overdue' criteria","as_of":"2026-04","as_of_explicit":false,"as_of_raw":"April 2026","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c8","statement":"PFCT is an AI fintech company established in 2015","as_of":"2015","as_of_explicit":true,"as_of_raw":"established in 2015","source_type":"company_disclosure","comparison":null,"type":"fact","figures":null,"expiry_hint":null,"insight":null},{"id":"c9","statement":"As of April 2026, PFCT's cumulative investment amounts to approximately ₩14.5 billion","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":"c10","statement":"PFCT plans to expand credit assessment models that can be used in global markets by combining with various platform data including not only proptech but also e-commerce and mobility in the future","as_of":"2026-04","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}}