Smile provides user-authorized access to valuable employment and income data from HR, payroll, commerce, and marketplace platforms in Asia through a single API.
Singapore
Joined May 2021
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Today, we pause to honor the memory of those who are no longer with us. 🕯️
May the stories, lessons, and love they shared continue to stay with us. Wishing you and your loved ones a peaceful All Souls’ Day. 🤍
With consented, direct-source verification, lenders can reduce back-and-forth while giving underwriters information they can assess with greater confidence. ⚡
Explore Smile API: zurl.co/7LaQg
Verifying current data before the decision gives risk teams a clearer basis for assessing affordability and setting appropriate limits. ✅
See how Smile API supports better lending decisions: zurl.co/GeW7H
Smile API has been selected as a Finalist in the Global FinTech Hackcelerator 2026 🎉
Catch us at the @sgfintechfest on 18 Nov, 2:00PM–5:00PM. 🎟️ Get your pass now: zurl.co/SqU4Z
#GFH2026 #GlobalFinTechHackcelerator #SFF2026 #SingaporeFinTechFestival2026 #SmileAPI
Credit scores can tell lenders a lot about past repayment behavior—but they don't always show how much debt someone can realistically afford today. Read more: zurl.co/ZBVHq
If your credit model only recognizes traditional employment, what happens to an applicant earning through several sources? 💡
Learn more 👉 zurl.co/AEaln
For lenders, the question is whether the data available at decision time reflects how someone earns today. Direct-source financial data can add context to the application and help teams assess more viable borrowers with confidence. 📊
Explore Smile API: zurl.co/yRE9W
Your credit risk team shouldn’t be operating as a data entry department ⏳
Stop extracting. Start connecting → zurl.co/0js1q
Open finance allows consumers to securely port their own financial reputation across institutions, proving their worth without having to start from zero every time. See the power of Smile API at zurl.co/sxeBW
The best smiles are the ones that come effortless ✨
Today on #WorldSmileDay, we’re celebrating connections made simpler, faster, and friction-free, so you spend less time jumping through hoops and more time doing what matters.
Here’s to keeping things seamless! 😊
A credit score can help lenders assess risk. But it doesn't necessarily tell them what loan amount fits a borrower's financial situation.
💡 That's where credit capacity becomes valuable.
Read the full blog: zurl.co/42Fki
Throwback to @JuanUp 2026 last August! 🚀
The learning doesn't stop there! @Juan by JuanTax is hosting another great event this October that you won’t want to miss: the Online Tech Summit!
🔗 Register here to secure your spot: zurl.co/OzZBj
The biggest loan risks start as "perfect" applications. 📄✅
Document checks show you the story. Source-direct data shows you the truth.
Build a tighter approval layer: zurl.co/uSJUY
By the time your data refreshes, your borrower's financial life has already changed. 📉
The lenders building a durable edge right now aren't just using better models. They're plugging into data that moves at the same speed as the borrower.
Learn more → zurl.co/du57t
In 2026, the absence of bad credit can be a major fraud signal. Your risk engine needs to verify borrower "liveness," not just historical cleanliness.
Stop lending to ghosts. Learn more: zurl.co/MarTC
Millions of creditworthy Filipinos thrive in the gig economy with income streams beyond traditional payslips.
Your model isn't rejecting them for being risky—it was simply never designed to read them. 💡
→ Learn more: zurl.co/hTl2L
Your borrower declared one income source on their application. But their contribution records tell a different story. 🔍
Start seeing the full picture → zurl.co/RKRSP
The average Filipino borrower does not have one employer, one income stream, or one neat payslip to hand over. 📂
Swipe to see what the modern borrower's financial life actually looks like, and why your verification process needs to catch up.
→ zurl.co/e2Da4
Tomorrow's the day!
If you're heading to JuanUp 2026, come find the Smile booth. We'll be there to talk employment and income verification, open finance infrastructure, and what it actually takes to build borrower journeys that convert!
See you there→ zurl.co/hukSV
