Fintech (CEO Kim Gap-young), a subsidiary of SaaS platform specialist Finger, announced on the 29th that it had won the grand prize (Financial Supervisory Service Governor Award) in the 2025 D-Testbed Project hosted by the Financial Services Commission.
The Financial Services Commission and the Korea Fintech Support Center held the "2025 D-Testbed Outstanding Participation Team Awards Ceremony and On-Site Meeting" at Front One in Mapo. Six teams out of 40 participating in this year's D-Testbed project were selected and awarded for their outstanding performance. D-Testbed is the Financial Services Commission's flagship data validation project, supporting fintech companies and aspiring entrepreneurs to leverage financial and non-financial combined data and analytical environments to validate the feasibility of their innovative ideas in the pre-commercialization phase.
Fintech won the grand prize in the free proposal category for its "Lifelog-based Alternative Credit Rating Model." This model was recognized for its competitiveness, utilizing non-financial data such as app usage patterns and behavioral data to complement existing credit rating systems that focus on financial information and to more precisely assess individual creditworthiness.
Fintech plans to refine the "Lifelog-based Alternative Credit Rating Model" developed through this demonstration and apply it, along with the previously developed "Automobile Information-based Alternative Credit Rating Model," to its service app, "Papinos." "Papinos" enables mobile submission of customer documentation and electronic contracts for businesses ranging from one-person businesses to large corporations. Upon sign-up, the app and admin screen are immediately accessible, eliminating the need for a separate system. It is particularly optimized for financial institutions with limited system resources, such as large-scale lending companies, small and medium-sized capital markets, and savings banks, to operate mobile, non-face-to-face loan products. Its utility is expected to increase further with the addition of alternative credit rating information in the future.
Kim Gap-young, CEO of Fintech, said, “D-Testbed was a valuable opportunity for startups to verify their technological capabilities through high-quality data and an analysis environment that are difficult to secure in a short period of time.” He added, “This award is a step toward proving the potential of our technology, and our goal is to develop it into a credit rating solution that can be utilized in actual financial settings by collaborating with financial institutions and fintech companies.”
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