Project Cost: RM300,000

Amount Invested : RM100,000

Amount Required : RM200,000

Knowledge / Experience Required:

Proposed Investor’s Role:
as mentor
as consultant

informatics / multimedia
financial services

Project Stage:


Company History:

The founder has 18 years in the IT industry with the past 15 years as a pioneer in Internet Banking, Loans Origination System (LOS), Basel II Collateral & Limits Management System and risk-related technologies for the financial sector. Previous clients included top tier conventional and Islamic banks in Malaysia and Singapore.

Product / Service Description:

The financial platform that is designed is to control the entire credit request between the borrower and lenders in real-time. It is a financial platform designed for equity investors who have background in the financial services sector as the technicalities involved are bank retail and SME lending.

Business Opportunity:

It addresses the challenging troubles in obtaining retail, SME and microfinance loans in Malaysia by the common person. Allows instant access between the borrower directly to multiple financial institutions and for borrowers (especially Relationship Managers) to expand their thinning borrower based of pipeline immediately.

Revenue Model:

Revenue is from pre-paid upfront payment from large FSI and credit card swiped up front from individual agents. Estimated of RM45million in five years based on Bank Negara 2013 data on Loans Approved by Purpose.

Management Team:

Founder with more than a decade experience running a previous start-up from single person to 51-employeees before selling out. And Chief Technical Adviser who was instrumental in developing the one-time TAC used by many banks in Malaysia today.

Current Status:

Technical flow and wireframe design done. Paid-up capital of RM100,000 has been invested. In process of meeting with private equity investors for additional funding to start coding work and establish marketing activities.

Funding Milestone:

The initial funding request of RM300,000 is for the first quarter start-up. I foresee revenue to be immediate upon product launch from up front payment from financial institutions and agents.

Business Valuation: Up to 50%

Expected Return On Investment: Within first year.

Investment Risk and Mitigation:

Resistance from tier banks as this will disrupt their way of conducting business. However, can be mitigated by having Tier 2 banks use this application to inflict and siphon credit business from the Tier 1 banks.

Exit Strategies:
1. IPO
2. Sell IP


Vincent Chin (
Company Name: Akros One Solution Sdn. Bhd.
Postal Address : Level 36, Menara Maxis,
Kuala Lumpur City Centre
State : Kuala Lumpur
Post Code : 50088
Country : Malaysia
Telephone : 0326157255
Website :
Mobile: 0193288820

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