AI technology finance company PFCT (PFCT Technologies, CEO Lee Su-hwan) announced on the 7th that it has additionally supplied the strategic analysis solution 'Lab' from its AI risk management solution package 'AIRPACK' to SBI Savings Bank.
SBI Savings Bank introduced Airpack's first product, an AI credit rating model, in May 2024. Following this, it decided to introduce "Airpack-Lab" in October 2025 and began customized development with PFCT. With this introduction, "Airpack-Lab" officially began operations in January 2026.
PFCT's AI risk management solution package, "Airpack," consists of three products: "Lab," "Studio," and "Insight." Among these, "Lab" offers an AI strategy analysis environment that allows financial institution risk managers to analyze vast amounts of data, adjust variables and algorithms, and verify the effectiveness of loan approval strategies in real time.
With the introduction of this solution, SBI Savings Bank will go beyond utilizing AI credit rating models and internalize its AI technology management capabilities, fully pursuing its AI Transformation (AX). Through Airpack-Lab, the bank will be able to operate the entire credit loan risk management process based on AI, including: monitoring delinquency occurrences, analyzing delinquent customer characteristics, analyzing the impact of strategic changes, and adjusting loan approval strategies. This is expected to transform the existing experience-based risk management approach into a data- and model-driven system.
PFCT will provide training and operational guidance to SBI Savings Bank staff to ensure stable operation of the solution, and will also continue to support functional advancements and upgrades in line with changes in the financial environment.
An SBI Savings Bank official said, “The introduction of Airpack-Lab is significant in that it establishes an AI-based financial strategy laboratory,” adding, “Risk managers will be able to quickly respond to changes in the market environment and customer characteristics and enhance the AI-based risk management system.”
PFCT CEO Lee Su-hwan said, “We collaborated with SBI Savings Bank to develop a methodology for internalizing AI technology management capabilities,” and added, “We will continue to enhance our solutions and strengthen our AI risk management system to better suit the actual work environments of financial institutions.”
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