We build online lending apps for digital moneylenders in Malaysia.
Built to meet the rules of the Kementerian Perumahan dan Kerajaan Tempatan (KPKT) for online lending. Appnicorn designs, builds and launches your own branded lending app for iOS and Android, with eKYC for your borrowers and a dashboard for your team.
Built for Malaysian digital moneylenders.
You hold a KPKT licence to lend online. Your app is where every borrower meets your business, so it has to be clear, reliable and built for the rules you lend under.
Launching your digital lending business
Starting out with a digital moneylending licence? We build the app you launch with, from the first borrower screen to your team's dashboard.
Replacing an app that holds you back
If your current app is slow, hard to change or no longer fits how you lend, we rebuild it around the way you work today.
Growing your loan book online
More applications means more checks and more follow-up. A clear app and dashboard keep your team on top of every application and repayment.
An app for your borrowers. A dashboard for your team.
Every lender works a little differently, so we set up each step around your loan products, your checks and your approval rules.
Apply, verify, track, repay.
Online application
Your borrowers fill in their details and income in a few guided steps, with your eligibility rules (for example age, citizenship and proof of income) built in.
Phone verification and eKYC
A one-time code confirms the phone number, and eKYC checks the borrower's identity in the app, so you can verify borrowers without meeting them.
Document upload
IC, payslips and bank statements go straight into the application, not into a chat thread.
Status and notifications
Borrowers see where their application stands and get notified when there's a decision, so your team gets fewer "any update?" messages.
Clear loan cost
Your repayment period, interest rate, total cost and instalments are shown before the borrower agrees.
Active loans and repayment schedule
Borrowers can check their active loans, what they owe and when the next instalment is due.
Review, decide, follow up.
Application queue
Every new application in one list, with its documents attached and its status clear.
Document check and approval
Check documents and eKYC results, ask for what's missing, then approve or reject. Each decision is recorded with who made it.
Loan accounts
Each approved loan keeps its terms, schedule and repayment history together.
Repayments and receipts
Record every repayment against the right loan and issue a receipt for it.
Reminders and overdue follow-up
Remind borrowers before an instalment is due, and spot overdue loans early instead of at month-end.
Roles for your staff
Decide who can view, check and approve, so the person who captures an application isn't the one who signs it off.
Built to meet KPKT's rules for online lending.
In Malaysia, KPKT sets rules for businesses that run online lending. We build your app to meet them, from the first screen a borrower sees to the records your team keeps, and we go through the rules that apply to your licence with you before we build.
eKYC for remote borrowers
Borrowers' identities are checked in the app before a loan goes ahead.
Your licence on show
Your licensed business name and licence details appear where borrowers can see them.
Rates within your limits
Your loan products are set up within the interest limits that apply to your licence.
Cost before commitment
The full cost of the loan is shown before the borrower accepts.
A receipt for every repayment
Each payment is recorded and receipted against its loan.
Personal data handled with care
Data is encrypted in transit, and borrowers can ask for their data to be deleted, in line with PDPA.
From first call to your app on the store.
Talk
Tell us how you lend: your loan products, your checks and who approves.
Plan
We map your borrowers' steps and your team's steps, and go through the KPKT rules that apply to you.
Build
We build the app and dashboard under your brand, and you test it with your own team.
Launch
We help you prepare and submit your app to the App Store and Google Play.
Support
After launch, our team is here to help. Ongoing support can be arranged to suit your business.
Questions lenders ask us
Do you offer loans?
No. Appnicorn is a software company. We build lending apps for licensed moneylending businesses. We don't lend money, arrange loans or process loan applications. If you're looking for a loan, please contact a licensed moneylender directly.
Who is this for?
Moneylending businesses in Malaysia licensed by KPKT to lend online, whether you're launching your digital lending business or replacing the app you use today.
Does the app meet KPKT's rules?
Yes. We build the app to meet the KPKT rules for businesses that run online lending, and we go through the rules that apply to your licence before we build.
Do you build for iOS and Android?
Yes. We build your app for both iOS and Android, and help you publish it on the App Store and Google Play.
Will the app carry our brand?
Yes. The app is published under your business name, with your logo and colours.
Can you help us get the app onto the app stores?
Yes. We help you prepare and submit the listing.
Is eKYC included? What about e-signing or online payments?
Yes, eKYC is part of the app. For e-signing, online payments and other services, we connect the app to the providers you choose, using your own accounts with them.
How much does it cost?
It depends on what you need: the steps in the app, the dashboard features and the connections you want. Tell us how you lend and we'll give you a clear proposal.
Let's build your lending app.
Tell us about your moneylending business in Malaysia and the app you need. Our team will get back to you to talk it through.
- iOS and Android, under your brand
- eKYC and a lender dashboard included
- Built to meet KPKT's rules for online lending
- Help with App Store and Google Play submission
Enquire about lending app development
For moneylending businesses only.
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This form is for businesses enquiring about app development. Appnicorn does not offer loans and cannot process loan applications.