Fintech Infrastructure for Financial Inclusion

Saphx Technologies builds POD (usepod), a platform enabling Malaysians to qualify for Islamic finance products through microsavings. An MOU with Bank Islam required a robust credit scoring and data infrastructure to assess financial eligibility for microsavers — accurately, at scale, and in alignment with Islamic finance product requirements.

• Designed and built credit scoring models to assess microsaver eligibility for Islamic finance products
• Architected a data warehouse to centralise and process user financial behaviour data from multiple sources
• Built data management infrastructure for ingestion, validation, and enrichment of financial records
• Collaborated with Bank Islam to align scoring criteria with Islamic finance product eligibility requirements
• Delivered a reporting layer for monitoring microsaver qualification rates and portfolio performance

• Credit scoring models deployed to production, powering microsaver qualification
• Data warehouse architecture enabling scalable financial behaviour analysis
• Microsaver qualification pipeline aligned with Bank Islam MOU requirements
• Data management infrastructure supporting ongoing product growth
• Foundation for Islamic finance product eligibility at national scale