Access to Real-Time Financial Insights for Faster Lending and Risk Assessment
Decentro, an India-based API banking and financial infrastructure platform, has partnered with DigiAlly, a Singapore-based fintech company, to bring real-time business financial intelligence to the ASEAN region. This partnership will enable more innovative lending, risk assessment, and cross-border financial operations in the region.
The Asian Development Bank estimates the SME credit gap in Asia to be over $2.1 trillion, with ASEAN nations representing a significant portion of the total. Despite rapid fintech innovation, many financial institutions still rely on outdated verification and underwriting models, exposing them to fraud and slowing credit access. With 1 in 5 fraud cases now involving synthetic identities (Experian, 2023), the urgency for real-time business intelligence is apparent. To address this issue, Decentro’s expanded stack now includes a comprehensive business credit infrastructure, supporting SME financing, invoice factoring, and cross-border trade. Through a single integration, fintech platforms and financial institutions across the ASEAN region can now access business financial reports, trade data, and verification insights-all in real time and via a single, comprehensive PDF report.
- Decentro’s partnership with DigiAlly brings together the best of infrastructure and intelligence, enabling real-time business insights and AI-powered decision-making.
- DigiAlly’s platform offers granular credit and financial analytics across company types, empowering lenders, PSPs, insurers, and trade platforms with faster, more accurate decision-making.
- Together, they provide a unified business financial intelligence suite, bringing together financial reports, trade history, and verification data into a single, downloadable PDF.
Benefits of Decentro and DigiAlly’s Partnership
The partnership between Decentro and DigiAlly will have several benefits for financial institutions and businesses in the ASEAN region. Some of these benefits include:
- Increased efficiency and speed in lending and underwriting processes
- Improved risk assessment and creditworthiness evaluation
- Enhanced cross-border trade and financial operations
- Access to real-time business financial intelligence and insights
With this partnership, Decentro and DigiAlly aim to simplify financial workflows across the globe, helping businesses of all sizes tap into local and international opportunities. The company’s entry into Southeast Asia follows its strong momentum in India, which recorded over 150% year-on-year growth in FY24-25. Building on this foundation, Decentro aims to deepen its presence across ASEAN, enable deep credit underwriting for both global and regional platforms, and power the next wave of fintech infrastructure across borders.
| Country | Services |
| Singapore | BizFin, TradeFin, and KYB |
| India | BizFin, TradeFin, and KYB |
| Vietnam | BizFin, TradeFin, and KYB |
| South Korea | BizFin, TradeFin, and KYB |
| Australia | BizFin, TradeFin, and KYB |
| Philippines | BizFin, TradeFin, and KYB |
| Indonesia | BizFin, TradeFin, and KYB |
DigiAlly’s Unique Value Proposition
DigiAlly is a Singapore-based fintech company that pioneers a unique trust-based Embedded Finance platform for fostering “Frictionless Credit.” Its platform offers granular credit and financial analytics across company types, enabling lenders, PSPs, insurers, and trade platforms to make faster, cheaper, and better decisions during their lending journey.
Shrikant Patil, CEO of DigiAlly, said, “Our collaboration with Decentro brings together the best of infrastructure and intelligence. With our credit and trade data combined with Decentro’s platform-first approach, we’re making real-time, AI-powered business insights available to financial players across Southeast Asia. This is a step forward for financial inclusion, risk transparency, and smart credit enablement.”
Real-World Applications of Decentro and DigiAlly’s Partnership
The partnership between Decentro and DigiAlly will have several real-world applications across the ASEAN region. Some of these applications include:
- Insurance companies can use Decentro’s platform to underwrite SME risk faster and more accurately, reducing the time and costs associated with traditional underwriting processes.
- Lenders and banks can use Decentro’s platform to assess business creditworthiness more accurately, reducing the risk of bad debt and improving overall lending efficiency.
- Neobanks can use Decentro’s platform to verify and offer a credit line on the fly, enabling businesses to access capital more quickly and efficiently.
- Payment service providers can use Decentro’s platform to verify businesses across borders with greater confidence, reducing the risk of payment failures and improving overall payment efficiency.
About Decentro
Decentro is a full-stack banking and fintech infrastructure platform that builds and empowers companies across India and Asia. With its products Flow (Payments & Money flow) and Fabric (KYC, Data & Intelligence), having 10+ modules across banking and payments, Decentro helps businesses remove over 90% of the friction and reduce the timeline they face when it comes to the flow of money and financial data. About DigiAlly
DigiAlly is a Singapore-based fintech company that pioneers a unique trust-based Embedded Finance platform for fostering “Frictionless Credit.” With its platform offering granular credit and financial analytics across company types, DigiAlly helps financial institutions make faster, cheaper, and better decisions during their lending journey.
