AI financial technology company PFCT (PFC Technologies, CEO Lee Soo-hwan) has secured a 50% stake in financial systems specialist Entusoft (CEO Shim Yuk-seop), becoming its largest shareholder. With this acquisition, PFCT will fully pursue its strategy of transforming even the core banking infrastructure of financial institutions to AI-based solutions.
Founded in 2005, Entusoft is a financial IT company. It operates "nTree," an integrated credit management system used by 22 of Korea's 79 savings banks. It possesses extensive experience in developing credit systems for secondary financial institutions. nTree is a core banking system that integrates the entire credit process, from loan application and review to execution, post-finance management, and call center operations. It supports a wide range of products, including low- and mid-interest rate credit loans, policy products, secured loans, and NPL management.
PFCT has been applying AI decision-making across all financial institution operations, including credit assessment, limit and interest rate calculation, and post-financial management, through its existing AI-based risk management solution, AIRPACK. This acquisition expands this technology to core banking systems, establishing a foundation for AI-based operations across most lending operations. This will not only improve operational efficiency but also advance the lending system itself through data-driven learning.
The two companies plan to jointly develop a next-generation AI-integrated credit solution, combining Airpack's AI risk analysis capabilities with Entry's credit system technology. This solution will enable more than 75% of 38 key credit tasks to be converted to AI-based decision-making systems. The final verification phase will utilize a human-in-the-loop (HITL) approach to ensure accuracy and stability.
PFCT CEO Lee Su-hwan stated, "With this acquisition, we will provide specialized AI lending infrastructure to domestic and international financial institutions, simultaneously realizing productivity innovation and advanced risk management." Entusoft CEO Shim Yuk-seop stated, "By combining 20 years of accumulated lending system operation experience with PFCT's AI technology, we will be able to accelerate financial institutions' AI transformation."
Meanwhile, in the financial sector, demand for improved work efficiency and advanced risk management through the introduction of AI-integrated credit solutions is gradually increasing.
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