Financial Solution

H-Meter Ploan

Take control of your personal loan operations with H-Meter Ploan. Our flexible software solution, consisting of H-Meter Ploan Identity and H-Meter Ploan Performance, supports multiple product lines, including secured and unsecured loans. Plus, our solution is fully compliant with BOT regulations, ensuring peace of mind and avoiding any potential penalties.

Senior Com Solutions
DiaryDashboard
H-Meter P-Loan

Personal Loan Software (Secured/Unsecured)

Registration Dashboard
H-Meter Nano Finance

Nano Finance Software

SalesGrowthDashboard
H-Meter Pico Finance

Pico Finance Software

5 Signs Your Legacy Lending System Is Ready for a Change

1
Rising Maintenance Costs
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.

2
Rapid Regulatory Changes
Rapid Regulatory Changes

As regulations evolve faster than ever, legacy systems often struggle to adapt quickly — reducing operational agility and competitiveness.

3
Your Business Is Growing, but the System Isn’t
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.

4
Difficulties Integrating Modern Technologies
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.

5
Accounting and Reconciliation Take Too Long
Lack of Real-Time Business Insights

As transaction volumes increase, complex verification and reconciliation processes can delay financial closing and reduce operational efficiency.

Idea

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.

Transforming Your Dealership Operation Is More Than an IT Upgrade —

It's a Strategic Business Investment

A modern dealership platform impacts operational efficiency, customer experience, business visibility, and long-term competitiveness. That is why the system must be designed to support multi-branch operations, OEM integration, digital transformation, and future automotive business models from the very beginning.

Thunder
Loan Approved Within 3 Minutes
payment
Multi-Channel Payments
PDPA
NDID-PDPA
signature
E-Signature Throughout the Contract Lifecycle
data
Data Center On Cloud / Premise

Key Success Factors for Loan System Digital Transformation

Project Lead
Assign a Lead for Each Department to Coordinate and Track Progress

• Develop Project Plans
• Track Progress
• Coordinate Cross-Functional Teams
• Manage the Project from Initiation to System Go-Live
Master Setup
Configure System Settings Based on Business Processes and Requirements

• Product and User Settings
• Parameters and System Configurations
Data Cleansing and Migration
• Validate, Cleanse, and Prepare Existing Customer Data for Migration to the New System
• Execute Data Migration and Verify Post-Migration Data Completeness and AccuracyParameters and System Configurations
Implement
• Conduct User Training and Perform End-to-End Testing with Key Stakeholders
• Validate System Functionality and Resolve Issues to Ensure Readiness Before Go-Live
On-the-Job Training and Go-Live
• Perform Business Process Testing through Real Operational Scenarios to Ensure Users Can Operate the System Correctly and Confidently
• Provide Go-Live Support During the Initial System Operation Phase
• Customer Go-Live

H-METER CAPITAL CORE HP PLATFORM

Integrated • Flexible • Secure

End-to-end lending solution on a single platform.

FRONT OFFICE
Sales
Sales & Lead Management

บริหารจัดการลูกค้าและโอกาสทางการขาย

Customer
Customer Profile

ข้อมูลลูกค้า 360 องศา

Credit
Credit Assessment

ตรวจสอบเครดิต / NCB / Scoring

Approval
Approval Workflow

อนุมัติสินเชื่ออัจฉริยะและจัดการเอกสาร

CUSTOMER ENGAGEMENT
Call Center
Call Center

ระบบ Call Center

Digital Marketing
Digital Marketing

ระบบจัดการการตลาด

LINE Connect
LINE Connect

เชื่อมต่อ LINE

SMS
SMS / Notification

แจ้งเตือนอัตโนมัติ

FINANCE & COMPLIANCE
Accounting
Accounting

บัญชีแยกประเภท

tax
Tax

ภาษีซื้อ-ภาษีขาย

IFRS
IFRS 9

มาตรฐานรายงานทางการเงิน

BOT
BOT Reporting

รายงานส่ง ธปท.

Audit
Audit Trail

ตรวจสอบข้อมูลย้อนหลัง

EXTERNAL DATA & BUREAU
NCB
NCB / Credit Bureau

ตรวจสอบข้อมูลเครดิต

AMLO
AMLO

ป้องกันการฟอกเงิน

Vehicle
Vehicle & Red Book

ข้อมูลทะเบียน / เล่มทะเบียน

KYC
KYC

ระบบ e-KYC และ OCR อัตโนมัติ

E-Contact
E-Contact

จัดทำสัญญาและ e-Contract

OPERATIONS
Contract
Contract Management

จัดการสัญญาเช่าซื้อ

Disbursement
Disbursement

จ่ายเงินและการโอนเงินให้คู่ค้า

Billing
Billing and Re-payment

จัดการเรียกเก็บและรับชำระค่างวด

AR
AR & Collateral

จัดการทรัพย์สิน / เล่มทะเบียน

Collection
Collection Management

ติดตามหนี้ / ทวงถาม / ปรับโครงสร้างหนี้

Portfolio
Portfolio Management

บริหารพอร์ตสินเชื่อ/วิเคราะห์สถานะลูกหนี้

Inventory
Inventory / Stock Management

บริหารสินค้าคงคลังและสถานะทรัพย์สิน

Task
Task Management

ควบคุมกระบวนการทำงาน/อนุมัติภายใน

Document
Document & File Management

จัดการเอกสารสัญญาและไฟล์ที่เกี่ยวข้อง

Legal
Legal Management

จัดการติดตามกระบวนการทางกฏหมาย

INTEGRATION & CHANNELS
Payment
Payment Gateway

ช่องทางรับชำระเงิน

Bank
Bank & Other

เชื่อมต่อธนาคารและสถาบันการเงิน

Accounting
Accounting System

เชื่อมต่อระบบบัญชี

Printing
Printing / OA

พิมพ์เอกสาร / จดหมาย

Smart Card
Smart Card Reader

ยืนยันตัวตนลูกค้า

OTP
OTP

ยืนยันตัวตนลูกค้า

LOS
LOS

KYC, Digital Contact

LMS
LMS

บริหารจัดการสินเชื่อหลังจากอนุมัติแล้ว

Notification
Notification

แจ้งเตือน / สื่อสารลูกค้า
EMAIL/LINE/SMS

LOS (Loan Origination System)

Integrated • Flexible • Secure

End-to-end lending solution on a single platform.

Key Features
Digital Application
Digital Application Forms

Enable seamless loan applications across web and mobile channels.

Intelligent Identity
Intelligent Identity Verification

Verify customer identities with e-KYC, OCR, biometric authentication, and NDID integration.

Automated Data
Automated Data Integration

Connect and validate data instantly from internal systems and external sources.

Rule-based
Rule-based Credit Scoring

Assess creditworthiness using configurable scoring models and risk criteria.

Automated Document
Automated Document Management

Track required documents and application status with greater efficiency.

Automated Credit
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.

Key Features
End-to-End
End-to-End Loan Servicing

Manage the complete loan lifecycle from disbursement to settlement within a unified platform.

Flexible Repayment
Flexible Repayment Management

Support diverse repayment schedules, interest calculations, and payment structures.

Automated Disbursement
Automated Disbursement Processing

Streamline fund disbursement with automated workflows and approval controls.

Collections
Collections & Delinquency Management

Reduce credit risk through proactive monitoring, alerts, and collection workflows.

Debt Restructuring
Debt Restructuring & Contract Amendments

Easily manage loan restructuring, refinancing, and contract modifications.

Real-time Portfolio
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.