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08 February 2023

Baiduri Bank today announced securing a deal with Accel backed, a Singapore headquartered B2B SaaS FinTech, to modernise their credit risk management using AI. has been recognised among ‘Top 10 FinTechs in Singapore’ at the Monetary Authority of Singapore (MAS) FinTech Awards 2022, and a Finalist at MEED’s SME Awards 2022 for the category ‘Gulf Capital Fintech Solution of the Year’. It is also part of PwC’s Partner Programme and a Featured Partner for Tata Consultancy Services, with offices in India (Hyderabad), the United Arab Emirates (Dubai), Indonesia (Jakarta), Philippines (Manila) and Nairobi (Kenya).

finbots creditX, a B2B SaaS AI-powered credit modelling solution, helps lenders build, validate and deploy high performance credit models across the full credit lifecycle of Application, Behaviour and Collection. It is used by lenders across 4 regions, specifically Africa, Middle East, North Asia and Southeast Asia, and by the full spectrum of lending companies, including digital banks, SME lenders, consumer lenders and Credit Bureaus.

Adopting finbots’ AI credit modelling solution, creditX, will enable Baiduri Bank to develop and deploy high quality credit scorecards at a fraction of the time and cost. This will result in reduced credit risk, improved efficiency and greater agility for retail and SME businesses and accelerate the bank’s financial inclusion drive for the underserved credit market.
With this move, Baiduri Bank will be the first bank in Brunei to migrate to an AI-led credit risk management solution. The pivot to is part of Baiduri Bank’s strategic investments in business transformation journey and leveraging technology to elevate operating efficiencies, analytics capabilities, and customer experience.

Baiduri Bank engaged IDC to undertake a thorough market evaluation and was selected to meet their current and future needs on credit risk management.

Sanjay Uppal, Founder and CEO of said, “We are proud to add a leading and progressive bank like Baiduri Bank to our fast-growing client base. creditX will radically transform the bank’s credit risk management value chain and open new opportunities for them to democratise access to credit at scale, speed and a fraction of the cost. We are seeing strong demand for creditX from financial services providers big and small globally, and this deal is a further testament of our solutions capability to empower lenders for smarter, faster, and inclusive lending.”

Ti Eng Hui, CEO of Baiduri Bank said, “The use of new technologies and advanced predictive analytics for credit scoring creates fresh opportunities for banks to enhance the credit-decisioning process, thereby strengthening risk management and operational efficiency. It is also one of the fundamental building blocks of a seamless omnichannel onboarding experience. As a leading financial institution, we want to partner with the most innovative companies and’s solution, creditX, is a game-changer in credit modelling that supports our digital transformation journey.”

Cyrus Daruwala, Managing Director, Global financial services at IDC added, “Baiduri Bank, and its leadership team have always believed that technology-led, customer experience will set them apart from other banks in the region. It was no surprise that when it came to their bread-and-butter business of lending, they took a similar approach. To help them future-proof their credit decisioning (and risk mitigation) we short listed multiple vendors in that space. came up as the clear winner. In our opinion they are one of the only solutions in the market with a no-Code, AI-powered, SaaS based credit decisioning offering.” has recently successfully completed A.I. Verify pilot, the world’s first AI governance testing framework and toolkit developed by Singapore Government’s IMDA (Infocomm Media Development Authority) and PDPC (Personal Data Protection Commission). This validated the performance of creditX solution on principles of fair, explainable and trustworthy AI, in an objective and verifiable manner.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

To strengthen our online security measures, effective 8 January 2024, we will introduce the cooling period feature on our Baiduri b.Digital Personal web and mobile app to prevent unauthorised access.

Click here for more information.

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