Zetl simplifies SME credit operations with Finverse

Jul 15, 2025

Customer

Zetl, a prominent APAC fintech specializing in flexible financing for asset-light businesses, has partnered with Finverse to significantly improve its operational efficiency and customer experience. This collaboration directly addresses Zetl's previous challenges with manual payment processes, allowing the company to streamline its loan lifecycle management and empower businesses to focus on growth.

Prior to integrating Finverse's solutions, Zetl contended with substantial inefficiencies in its payment operations. The manual collection of monthly loan repayments created significant delays, increased administrative burden, and introduced friction for both Zetl's internal teams and its customers. This manual workload also complicated payment setup for clients, prolonging the financing process and hindering prompt access to funds.

Use Case

Lending

Product

Payment API, Data API

Payment Methods

eGIRO, eDDA, Dynamic PAYNOW

Location

Singapore, Hong Kong

The Manual Payments Challenge

Before its partnership with Finverse, Zetl grappled with considerable inefficiencies in its payment operations. The manual collection of monthly loan repayments, often involving individual bank transfers and laborious reconciliation, consumed many hours of Zetl's operations team's time.

This not only delayed the processing of new loan applications but also created significant friction during collection. Manual collection requires chasing majority of customers to initiate payments on due date, which requires team time and effort. Due to sunsetting of pre-dated cheques, and delays in paper GIRO process, Zetl turned to Finverse for a better solution in automating their collection flow.

Manually managing collections and reconciling payments was time-intensive and error-prone, These inefficiencies slowed down our ability to scale and deliver the best experience for our customers.

Matthew Roberts

Co-founder at Zetl

The Finverse Solution: Streamlining Payments and Data

To overcome these obstacles, Zetl implemented a suite of Finverse's APIs designed to automate and optimize its payment and data processes. This strategic integration reflects both companies' shared commitment to fostering business growth by eliminating administrative hurdles.

Key components of the Finverse solution include:

eGIRO/eDDA Integration: This critical integration digitized and automated customer authorisations for recurring payment collections, eliminating the need for manual, paper-based processes and substantially reducing administrative overhead.
Payments API: By leveraging real time banking rails, Finverse enables Zetl to collects credit repayment in real-time. This ensures consistent cash flow, mitigates the risk of payment delays, and improves overall financial stability for Zetl.
Data API: Finverse's open banking feeds provide Zetl with real-time financial insights. This data is crucial for more accurate underwriting, enhanced portfolio monitoring, and improved risk management. The Data API also reduces friction for customers by simplifying the information-sharing process.

Impact: Enhanced Efficiency and Customer Satisfaction

The integration of Finverse's APIs has yielded tangible benefits for Zetl. The company has achieved notable improvements in operational efficiency, largely through the automation of payment collections and the acquisition of real-time financial data. Crucially, this partnership has also significantly enhanced the customer experience. By reducing manual steps and accelerating payment processes, Zetl can now offer a smoother, faster, and more efficient financing journey for its clients, allowing them to access and manage funds with greater ease.

There is much more to be done, and instant payouts is what we are currently researching as part of our decision engine and underwriting flow. Finverse APIs complement our product needs well, and we look forward to engaging on how to further improve our end-to-end service to customers.