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Solutions

Three products for lending businesses

Three products for lenders and employers (loan management, earned wage access, accounting), and a team that designs, launches and runs the lending business with you.

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Products

TS LMSLoan management, origination to collections TS HRM + EWAPayroll with earned wage access TS AccountingGeneral ledger, tax returns by country

Working with us

How we workThree phases, with a deliverable at each Trust centerOur security principles

News

Consumer lending news from Southeast Asia

Consumer lending markets in Southeast Asia and Hong Kong, country by country. Every figure carries its definition, reference date and source.

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Mekong

Cambodia18 Thailand21 Vietnam25 Laos10 Myanmar8

Maritime Southeast Asia

Indonesia31 Philippines30 Malaysia21 Singapore17 Brunei7 Timor-Leste10

Region-wide and reference markets

Southeast Asia (regional)15 Hong Kong13 India5

Column, Japan and audio

ColumnHow to decide, in T&S’s view. Weekly Japan daily (JA)Japanese politics and economy, in Japanese Listen to the newsNewest first, back to back

Market data and regulation

Market data and regulation

Market data and regulation in Southeast Asia

Figures published by central banks, regulators, statistics offices and international organisations, and each market's lending laws and regulations, with dates and sources.

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Market data

Financial indicatorsPolicy rates, NPLs, credit growth, household debt Credit risk indexCredit conditions scored monthly Household indicatorsPrices, wages, household debt Policy ratesCentral bank decisions by market Credit bureaus and credit decisionsWhat bureaus collect and how it is used Licensed institutionsFrom the lists regulators publish Illegal lending mapTrends by market from regulator data

Regulation

Lending rules by marketIn the order of the lending process Compare rulesRate caps, affordability, collections, licences AI in lendingWhat each market requires when AI is used

Tools

Lending economics calculatorProfit and loss per loan Lender checkAgainst official lists of illegal lenders

Courses

Courses for lending executives

Short courses on credit, products, rules, infrastructure and the finance of a lending business. Lesson 1 of every course is free to read.

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Credit scoring, from first principles10 of 10 lessons Household finances: prices, rates and wages, and what borrowers can repay7 of 7 lessons Central banks and policy rates: how rates reach borrowers6 of 6 lessons The international financial institutions: IMF, World Bank, ADB and BIS6 of 6 lessons Earned wage access, end to end8 of 8 lessons

By field

Foundations for the region10 Credit and risk10 Lending products12 Building a lending business11 Rules: the principles11 Payments and data infrastructure9 Reading the markets13 Data and AI8 Finance of a lender8 Inclusion and customers8 Operations10 Fintech and IT8

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T&S Asset Management Request a demo

SolutionsOverview TS LMS TS HRM + EWA TS Accounting How we work For companies launching lending Trust center

NewsAll news Column Japan daily (JA)Listen to the news

Market data and regulationFinancial indicators Credit risk index Lending rules by market Credit bureaus

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CompanyCompany profile Membership Contact Privacy policyTerms of use Terms of sale

T&S Asset Management LLC is a software company. It licenses lending, payroll and accounting software, helps companies implement it, and sells a membership for its market research and courses. It does not provide investment advice, investment management, brokerage or dealing in securities or other financial instruments, and does not hold client funds.

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