T&S Asset Management
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Platform · Loan management

TS LMS

Loan management for lenders, from application to collections, with dual control on key actions such as credit approval, repayment recording and waivers, and an audit trail at every step.

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Overview

TS LMS is the core banking system for lending: it covers the full loan lifecycle from application and underwriting to servicing, collections and accounting integration. TS LMS is a loan management platform licensed to lenders and hosted by T&S as a separate deployment for each lender. Our aim is to put financial inclusion into practice as a profitable credit model, not leave it as an ideal — through underwriting with alternative data, collections operations rooted in the field, and a scalable digital finance platform. Everything that differs between lenders — market, currencies, languages, product catalogue, integrations and approval thresholds — is configuration, not code.

The licence includes knowledge membership for your staff: reports, courses and certificates.

Design principles

Cloud-native

Hosted by T&S on Google Cloud as a separate environment for each lender, built for scalability and high availability.

API-first

Every function is available through an API, so integration is straightforward.

Composable

Use only the modules you need. Data can be exported in bulk as CSV.

Platform modules

Credit management

  • Credit scoring, including bring-your-own-model (BYOM)
  • No-code credit-policy editor
  • Condition simulation and testing
  • Interest-rate management
  • Underwriting decisions
  • Regulatory compliance: AML/CFT and PEP screening
  • Fraud detection

Loan servicing

  • Contract management
  • Repayment schedules
  • Delinquency management
  • Payment and receipt management
  • Loan disbursement, payment matching and reconciliation via bank API
  • Revenue-share calculation
  • Management dashboard
  • Collections and dunning

Customer

  • Customer management
  • Application management
  • eKYC and OCR
  • Document management
  • Attribute management
  • Audit trail and logs, with IP and time restrictions
  • Rewards and incentives

Interfaces

  • App and web
  • SDK UI components
  • Developer experience
  • Digital engagement

Function map

Customer management

  • Customer management
  • Application management
  • eKYC and OCR
  • Document management
  • Attribute management
  • Audit trail and logs, with IP and time restrictions

Credit management

  • Credit scoring, including bring-your-own-model (BYOM)
  • No-code credit-policy editor
  • Condition simulation and testing
  • Interest-rate management
  • Underwriting decisions
  • Regulatory compliance: AML/CFT and PEP screening

Loan servicing

  • Contract management
  • Repayment schedules
  • Delinquency management
  • Payment and receipt management
  • Loan disbursement, payment matching and reconciliation via bank API
  • Revenue-share calculation

Products supported

Cash loans (consumer and business), instalment plans for goods (EMI / BNPL) and earned wage access (EWA). Product terms (amount, term, fees, number of repayments and how arrears are handled) are set up for each lender through configuration.

End-to-end operations

  1. EngagementDigital ads, app download, sign-up
  2. OriginationeKYC, application, e-documents, identity check, customer-list matching, blacklist, AML/CFT/PEP screening before the transaction, attribute and metadata capture, authenticity check
  3. JudgementIncome assessment, credit bureau inquiry (planned), credit score, credit decision
  4. Contract and disbursementContract and payout
  5. CollectionRepayment schedule, payment management, work allocation, dunning channel selection, reminders and collections, rate incentives, limit increases and upsell
  6. Accounting and reportingInterest and late-fee calculation, payment reconciliation report, account breakdown, trial balance, monthly regulatory report

Deployment

Hosted by T&S on Google Cloud, as one deployment per lender. Staff use a web console, and borrowers can be served through an app, web, SDK or mini app — or by staff alone before any customer channel is connected.

Security

  • Built against a written security requirements specification, with continuous-integration gates for secret scanning, dependency audit, lint and container scanning.
  • Field-level AES-256-GCM encryption for sensitive customer fields and uploaded documents, with keys the database never sees.
  • Encryption key management, authentication and authorisation, and monitoring are part of the platform.
  • Staff sign in with their Google account, and your organisation’s 2-step verification policy can apply; permission-based access control and branch scoping.

Audit log and regulatory reporting

  • Append-only audit log linked by a SHA-256 hash chain, with a verification job that recomputes every link.
  • Every state change records who acted and the request id; document views and access to unmasked data are logged.
  • Reports export as CSV for auditors, and the hash of each borrower's key-facts statement is kept in the audit chain as evidence of disclosure.

Integrations: API, mini apps and mobile

  • API management and webhooks
  • Credit bureaus (planned)
  • Accounting and ERP: monthly general-ledger journal export (file); bank statement import and reconciliation
  • Monitoring; authentication and authorisation; encryption key management
  • Analytics (BI / AI)
  • Channels: app, web, SDK and mini apps (Telegram, LINE, Zalo)

Rollout steps and duration

Live in about six weeks from kickoff

  1. Week 1 · Preparation
    Test environment and API specification (OpenAPI); kickoff on loan product design and credit policy
  2. Week 2 · Integration
    Embed into the app or web via SDK; start bank API (write) and payment-network integration; enable eKYC and AML screening
  3. Weeks 3–4 · Customisation
    Implement the client's own credit model (BYOM); tune UI/UX to the brand; set admin access control
  4. Week 5 · Final validation
    End-to-end testing; full pre-launch testing; back-office training
  5. Week 6 · Go-live
    Production deployment (multi-AZ, redundant); encryption and certificate setup; automated monitoring and alerts
  6. After launch · Operate
    Analytics and reporting; maintenance and support

Duration: About six weeks from kickoff to go-live

Contracts and compliance

  • NDA and SLA available
  • Contracts under Japanese law
  • Anti-social-forces clauses
  • Compliance with Japan's Act on the Protection of Personal Information (APPI)

Before you decide

Trust center — our security principles.

For companies launching lending — four ways companies without a core banking system start lending.

Other solution

TS HRM + EWA →

Get paid for the days you've worked, before payday.

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TS LMS, TS HRM + EWA and TS Accounting are developed by T&S Asset Management.