Financial Solution
H-Meter Capital
Optimize your hirepurchase operations with H-Meter Capital. Our comprehensive software solution includes two distinct product segments,H-Meter Capital Identity and H-Meter Capital Performance, designed to meet the needs of businesses of all sizes. Rest assured, our solution is fully compliant with BOT regulations, ensuring peace of mind and avoiding any potential penalties.
โปรแกรมเช่าซื้อ,โปรแกรมจำนำทะเบียน,โปรแกรมอนุมัติสินเชื่อ ,โปรแกรมจำนองที่ดิน,โปรแกรมติดตามหนี้,โปรแกรม Hire Purchase,ซอฟต์แวร์เช่าซื้อ,ซอฟต์แวร์สินเชื่อเช่าซื้อ,Hire Purchase System,Title Loan System,ซอฟต์แวร์จัดการสินเชื่อเช่าซื้อ,Auto Finance Software,โปรแกรมเช่าซื้อรถยนต์,ระบบบริหาร Hire Purchase,ระบบไฟแนนซ์รถยนต์ ,ระบบสินเชื่อรถยนต์ (Hire Purchase System),Hire Purchase Software,Auto Loan Management System ,โปรแกรมไฟแนนซ์รถยนต์,HP Loan System,ระบบจัดการสินเชื่อเช่าซื้อ,Loan Origination & Lease Management
Diary Dashboard
Multi-business management with high-speed data analysis and maximum efficiency for next-gen leaders.
Registration Dashboard
Professional real-time tracking of vehicle status, expenses, and overdue tasks in one place.
Sales Growth Dashboard
Analyze branch performance, inventory, and receivables to drive accurate, sustainable sales strategies.
Legal Dashboard
Weekly case tracking and real-time debt analysis to reduce errors and improve collection accuracy.
5 Signs Your Legacy Lending System Is Ready for a Change
Rising Maintenance Costs
Your legacy system may still be operational, but maintenance costs, frequent fixes, and unexpected downtime could be increasing over time without you realizing it.
Rapid Regulatory Changes
As regulations evolve faster than ever, legacy systems often struggle to adapt quickly — reducing operational agility and competitiveness.
Your Business Is Growing, but the System Isn’t
If business growth still requires adding more people to handle manual tasks, it may be a sign that your current system is not truly built to scale.
Difficulties Integrating Modern Technologies
Whether it’s Payment systems, e-KYC, or Digital Channels, limitations from legacy infrastructure can become a major barrier to innovation and growth.
Accounting and Reconciliation Take Too Long
As transaction volumes increase, complex verification and reconciliation processes can delay financial closing and reduce operational efficiency.
Upgrading your lending system is not just about replacing software — it is a strategic investment to improve efficiency, reduce risks, and build a sustainable competitive advantage.
Upgrading your lending system is not just about replacing software -
it's a strategic investment to improve efficiency, reduce risks, and build a sustainable competitive
A modern platform designed specifically to replace legacy systems must support data migration, system integration, and regulatory requirements from day one.
Track, Analyze, Decide. 360° Real-Time Hire Purchase Control on Any Device.
Paperless, Automated, & Transparent Vehicle Financing
Regulatory Compliant: Reducing Risks, Building Trust for Institutions & Investors.
Cloud & On-Premise Web App: Work Anywhere, Connect Seamlessly, Zero IT Hassle
Proven Software Success: Built for Mid-to-Large Enterprises, Scalable for IPO
Key Success Factors for Successful Hire Purchase Digital Transformation
2. Real-Time SMS-Line Alerts & Secure e-Signatures (Instant Status & e-Contract)
3. Automated Payment Reminders via LINE / SMS (Transparent e-Billing)
4. Instant Digital Receipts right after Payment (Digital Receipt & e-Tax)
Tuesday Focus: Legal Risk Mitigation – Track lawsuits and repossessions in real-time while using credit data to shield future
Wednesday Focus: 360° Cash Visibility – Compare projected vs. actual revenue from all streams to optimize daily fund allocations.
Thursday Focus: Registration & Asset Safety – Monitor ownership transfers and insurance status to secure assets and boost retention.
Friday Focus: Sales Growth & Market Trends – Review pending financing deals and branch performance to plan high-converting weekend campaigns.
Boost Loyalty via LINE: Keep existing customers engaged with instant tracking and seamless point redemption on LINE
100% Automated Backend: Automate everything from contract matching to instant point redemption and real-time inventory deduction.
Salaried Employees
Secure & timely; eliminates forgetfulness
Manual (QR / Mobile Banking)
Freelancers & Youth
flexible control; aligns with digital habits.
Manual (Micro-payments via QR)
Gig Workers / Riders
Matches daily cash flow; lowers default risk.
Manual (Cash / Counter Service)
Merchants & Farmers
Accommodates cash-heavy & seasonal income
A hybrid, flexible payment system on H-Meter Capital directly reduces NPLs by matching customers' real cash flows.
Real-Time KPI & Collector Tracking: Monitor individual and team success rates via dashboards immediately after debt assignment to maximize collector efficiency.
Seamless Legal Escalation: Instantly route unrecovered assets or terminated contracts to the litigation workflow, preventing costly collection delays.
H-METER CAPITAL CORE HP PLATFORM
Integrated • Flexible • Secure
End-to-end lending solution on a single platform.
Sales & Lead Management
บริหารจัดการลูกค้าและโอกาสทางการขาย
Customer Profile
ข้อมูลลูกค้า 360 องศา
Credit Assessment
ตรวจสอบเครดิต / NCB / Scoring
Approval Workflow
อนุมัติสินเชื่ออัจฉริยะและจัดการเอกสาร
Call Center
ระบบ Call Center
Digital Marketing
ระบบจัดการการตลาด
LINE Connect
เชื่อมต่อ LINE
SMS / Notification
แจ้งเตือนอัตโนมัติ
Accounting
บัญชีแยกประเภท
Tax
ภาษีซื้อ-ภาษีขาย
IFRS 9
มาตรฐานรายงานทางการเงิน
BOT Reporting
รายงานส่ง ธปท.
Audit Trail
ตรวจสอบข้อมูลย้อนหลัง
NCB / Credit Bureau
ตรวจสอบข้อมูลเครดิต
AMLO
ป้องกันการฟอกเงิน
Vehicle & Red Book
ข้อมูลทะเบียน / เล่มทะเบียน
KYC
ระบบ e-KYC และ OCR อัตโนมัติ
E-Contact
จัดทำสัญญาและ e-Contract
Contract Management
จัดการสัญญาเช่าซื้อ
Disbursement
จ่ายเงินและการโอนเงินให้คู่ค้า
Billing and Re-payment
จัดการเรียกเก็บและรับชำระค่างวด
AR & Collateral
จัดการทรัพย์สิน / เล่มทะเบียน
Collection Management
ติดตามหนี้ / ทวงถาม / ปรับโครงสร้างหนี้
Portfolio Management
บริหารพอร์ตสินเชื่อ/วิเคราะห์สถานะลูกหนี้
Inventory / Stock Management
บริหารสินค้าคงคลังและสถานะทรัพย์สิน
Task Management
ควบคุมกระบวนการทำงาน/อนุมัติภายใน
Document & File Management
จัดการเอกสารสัญญาและไฟล์ที่เกี่ยวข้อง
Legal Management
จัดการติดตามกระบวนการทางกฏหมาย
Payment Gateway
ช่องทางรับชำระเงิน
Bank & Other
เชื่อมต่อธนาคารและสถาบันการเงิน
Accounting System
เชื่อมต่อระบบบัญชี
Printing / OA
พิมพ์เอกสาร / จดหมาย
Smart Card Reader
ยืนยันตัวตนลูกค้า
OTP
ยืนยันตัวตนลูกค้า
LOS
KYC, Digital Contact
LMS
บริหารจัดการสินเชื่อหลังจากอนุมัติแล้ว
Notification
แจ้งเตือน / สื่อสารลูกค้า
EMAIL/LINE/SMS
LOS (Loan Origination System)
Integrated • Flexible • Secure
End-to-end lending solution on a single platform.
Digital Application Forms
Enable seamless loan applications across web and mobile channels.
Intelligent Identity Verification
Verify customer identities with e-KYC, OCR, biometric authentication, and NDID integration.
Automated Data Integration
Connect and validate data instantly from internal systems and external sources.
Rule-based Credit Scoring
Assess creditworthiness using configurable scoring models and risk criteria.
Automated Document Management
Track required documents and application status with greater efficiency.
Automated Credit Decisioning
Accelerate approvals through automated rule-based decision workflows.
Omni-channel Application integration
Connect applications across digital channels and external data sources with real-time synchronization for a seamless lending experience.
Centralized Credit Policy Engine
Configure and manage credit policies, scoring models, and risk parameters through a flexible, rule-based engine.
Fraud Detection & KYC integration
Strengthen risk controls with integrated e-KYC, identity verification, credit bureau checks, and AML screening.
Intelligent Auto-Assignment
Automatically distribute workloads to improve efficiency, ensure fairness, maintain SLA compliance, and support business growth.
E-Contract & Digital Signature
Enable paperless contract execution and digital signatures to accelerate approvals, disbursements, and operational efficiency.
Mobile-first Operations
Empower field teams with end-to-end mobile capabilities, from e-KYC and digital contracts to e-signatures with real-time data synchronization.
LMS (Loan Management System)
Integrated • Flexible • Secure
End-to-end lending solution on a single platform.
End-to-End Loan Servicing
Manage the complete loan lifecycle from disbursement to settlement within a unified platform.
Flexible Repayment Management
Support diverse repayment schedules, interest calculations, and payment structures.
Automated Disbursement Processing
Streamline fund disbursement with automated workflows and approval controls.
Collections & Delinquency Management
Reduce credit risk through proactive monitoring, alerts, and collection workflows.
Debt Restructuring & Contract Amendments
Easily manage loan restructuring, refinancing, and contract modifications.
Real-time Portfolio Visibility
Monitor loan performance, outstanding balances, and portfolio health through centralized dashboards.
Automated Billing & Payment Processing
Generate invoices, process repayments, and reconcile payments automatically across multiple channels.
Multi-Channel Payment Integration
Support bank transfers, direct debit, QR payments, e-wallets, and payment gateways.
Collections Workflow Automation
Automate reminders, follow-ups, escalations, and collection activities to improve recovery performance.
Early Warning & Risk Monitoring
Identify delinquency risks through real-time alerts, behavioral analysis, and portfolio monitoring.
Customer Self-Service Portal
Enable borrowers to view balances, make payments, request statements, and manage accounts online.
Regulatory Compliance & Reporting
Simplify regulatory reporting and audit readiness with automated compliance monitoring and reporting tools.