Platform · Loan management
TS LMS
Loan management for lenders, from application to collections, with dual control and an audit trail at every step.
Overview
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.
Design principles
Cloud-native
Delivered as SaaS, built for scalability and high availability.
API-first
Every function is available through an API, so integration is straightforward.
Composable
Pick and recombine modules as needed, without vendor lock-in.
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
- Auto-debit via bank API
- Revenue-share calculation
- Multi-tenant 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
- Auto-debit via bank API
- Revenue-share calculation
Products supported
- Consumer loans
- Business loans
- Instalment sales (EMI / BNPL)
- Revolving credit lines
- Asset-backed finance
- Receivables financing
- Earned wage access
- Islamic finance
Products supported
- Consumer loans
- Business loans
- Instalment sales (EMI / BNPL)
- Revolving credit lines
- Asset-backed finance
- Receivables financing
- Earned wage access
- Islamic finance
End-to-end operations
- EngagementDigital ads, app download, sign-up
- OriginationeKYC, application, e-documents, identity check, customer-list matching, blacklist, AML/CFT/PEP screening before the transaction, attribute and metadata capture, authenticity check
- JudgementIncome assessment, credit bureau inquiry, credit score, credit decision
- Contract and disbursementContract and payout
- CollectionRepayment schedule, payment management, work allocation, dunning channel selection, reminders and collections, rate incentives, limit increases and upsell
- Accounting and reportingInterest and late-fee calculation, payment reconciliation report, account breakdown, trial balance, monthly regulatory report
Deployment
Hosted by T&S on a major public 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 enforced multi-factor authentication; 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
- Core systems: central payment gateway, bank API, ERP
- Monitoring; authentication and authorisation; encryption key management
- Analytics (BI / AI)
- CTI / IoT
- Channels: app, web, SDK and mini apps (Telegram, LINE, Zalo); WhatsApp conversational flow
Rollout steps and duration
Banking architecture in a month
- Week 1 · Preparation
Same-day sandbox; API documentation and developer portal; kickoff on loan product design and credit policy - Week 2 · Integration
Embed into the app or web via SDK; start bank API (write) and payment-network integration; enable eKYC and AML screening - Weeks 3–4 · Customisation
Implement the client's own credit model (BYOM); tune UI/UX to the brand; set admin access control - Week 5 · Final validation
End-to-end testing; load testing and security vulnerability assessment; back-office training - Week 6 · Go-live
Production deployment (multi-AZ, redundant); encryption and certificate setup; 24/7 monitoring - 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)
Pricing approach
Licensed to the lender and hosted by T&S.
Before you decide
Trust center — security principles, and the full security pack under NDA.
Is T&S the right fit? — when T&S fits, and when it does not.