Creating the first financial record
for those who have none.
In an era where AI disrupts labor income,
behavior data becomes the new axis
of credit evaluation.
Existing alternative credit scoring relies solely on consumption behavior. A gig worker's labor patterns — work continuity, income stability, activity intensity — are the most direct signals of repayment ability.
Default doesn't strike overnight. A decline in labor activity precedes it by months. We capture the signal before the collapse.
Workers with frozen accounts have income that becomes invisible to the system. We measure repayment ability through labor behavior patterns, not income figures.
We validate our model with 2.3 million gig workers in Korea, then expand into emerging markets lacking financial infrastructure. 83 million informal workers in Indonesia, 33 million in Vietnam — the largest untapped market for behavior-based credit scoring.
Collect platform data. Validate statistically. Integrate into the financial system.
De-identified labor behavior data
through platform partners
Behavior-variable-based
repayment prediction model
Distributed to financial institutions
as a supplementary credit indicator
Financial inclusion
for the unbanked in emerging markets
We welcome inquiries on data partnerships, business alliances, and investment.
sbtplus.support@gmail.comSBT Plus Co., Ltd. · Seoul, South Korea