Digital lending · Southeast Asia

A core banking system for companies that aren’t banks.

TS LMS is a core banking system for lending. It runs origination to collections with bank-grade controls and connects to your existing ERP and banks. We design, build and run it with you.

Request a demo See how companies launch

Founded 2021English / 日本語

Market report · CambodiaUpdated 30 Sep 2026 IMF Board keeps Cambodia 2026 growth at 3.0%, says forbearance exit exposed asset strains Macro & households · 2026-09-29ADB cuts Cambodia's 2026 growth forecast to 3.9% as tourist arrivals slumpRegulation · 2026-09-29NBC puts Chief Bank under provisional administration for three monthsMacro & households · 2026-09-28Cambodia EWA pool: up to about 4.6 million wage earners; account ownership at 39.0% 11 articles Open the Cambodia report →

Where the founding team has worked

Launching and running digital lending businesses.
Digitising microfinance institutions.
Designing co-lending schemes with financial institutions, telecom operators and e-money providers.
Implementing credit management, loan servicing and collections systems.

Solutions

Two platforms —
and the people who run them in production.

All solutions →

01 · PlatformTS LMSLoan management for multiple lenders on one platform: applications, bank-statement underwriting, disbursement, repayments and collections, with a full audit trail.See solutions → 02 · PlatformTS HRM + EWAGet paid for the days you've worked, before payday. Earned wage access (EWA), integrated with the employer. Staff draw on wages they have already earned, calculated from attendance and confirmed payroll. HR, payroll and tax filings sit on the same platform.See solutions → 03 · PartnershipImplementation partnerFrom concept and pilot to design, build and day-to-day operations. We work alongside you on lending, credit decisions, servicing, growth and support until the business pays for itself.Discuss a launch →

How to start

Two ways to start

How we work →How companies launch lending →

Licence the platform

Who it suits: Lenders and employers with their own operating team who want proven software, hosted for them.
What is included: TS LMS and/or TS HRM + EWA as a separate deployment hosted by T&S; configuration of products, credit policy and channels; back-office training, maintenance and support.

Request a demo

Launch with us

Who it suits: Companies entering digital lending in Southeast Asia, or digitising an existing loan book, that want a partner on the ground.
What is included: Market choice, credit policy and channel design, then launch and day-to-day operations — collections, reporting and growth — on the T&S platforms.

Discuss a launch

Channels