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Covenant Desk

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Asia · Lending software

The AI lending system for banks across Asia

Loan origination, loan management, a core banking engine and an AI banking agent in one platform, built for each institution, with each market's regulation, language, currency and payments carried in the build.

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In brief

What lending software does in Asia

Lending software covers the whole loan: the application and credit decision (loan origination) and everything after booking (loan management). Mid-size and enterprise banks and lenders with 50 or more staff want both in one system, because a loan that starts and ends on one record needs no re-keying and leaves one audit trail.

Covenant Desk is that system: bank workflow automation and modernisation, with agentic AI that reads documents, prepares credit memos and facility letters, schedules meetings and raises early-warning flags, and credit officers who approve. It includes its own core banking engine for lending and integrates with the core banking systems a bank already runs. The guides below set out what each market's rules ask of the software.

Asia

What changes from market to market

  1. 01

    Hong Kong

    HKMA supervision for banks, Money Lenders Ordinance rules for licensed lenders, FPS repayments, iAM Smart and CorpID for digital identity. Available, enabled for your institution on request.

  2. 02

    Taiwan

    FSC supervision, JCIC credit data and Taiwan banking vocabulary: 徵授信, 授信審議 and 貸後管理.

  3. 03

    Singapore

    MAS for banks and finance companies, with the Moneylenders Act cost limits for licensed lending arms and PayNow for repayments.

  4. 04

    Malaysia

    BNM for banks, KPKT and the Moneylenders Act 1951 for licensed lenders, and the Consumer Credit Act 2025 for leasing, factoring and BNPL.

  5. 05

    Philippines

    BSP for banks, the SEC for lending and financing companies, pricing rules on covered loans and InstaPay for repayments.

  6. 06

    Elsewhere in Asia

    Vietnam, Thailand, Indonesia and other markets as a dedicated deployment, with the local rules built with your compliance team.

Guides by market

Hong Kong

Guides by market

Taiwan

Guides by market

Singapore

Guides by market

Malaysia

Guides by market

Philippines

Guides by market

Asia

Evaluation

How a deployment works

  1. 01

    Working session

    Two hours on one of your files and your credit policy.

  2. 02

    Demo on your case

    A case shaped like your book, run through your stages.

  3. 03

    Build to your operation

    Currency, payment rail, rate and fee rules, templates, language and integrations built for your market and your IT.

  4. 04

    Pilot

    Your policy loaded on a dedicated instance; acceptance testing by your team on your own cases.

  5. 05

    Independent test

    A penetration test of your deployment before real data goes in.

  6. 06

    Production

    Phased migration, go-live and a named contact for the first months.

FAQ

Questions banks and lenders ask

Sources

Official sources, checked 29 October 2026

  1. Basel Committee on Banking Supervision: Principles for the Management of Credit Risk
  2. Ministry of Law, Registry of Moneylenders: guide to borrowing from licensed moneylenders (interest, late interest, fee and total-cost caps)
  3. Ministry of Housing and Local Government (KPKT), Malaysia: moneylending and pawnbroking
  4. Securities and Exchange Commission, Philippines

Rules change; check the current text with the regulator and your adviser. This page is not legal advice. Covenant Desk is software: it does not provide loans or make lending decisions.

See it on one of your own loans.

We set up a personalised demo around your own products and workflows, then your team tries it before you decide.

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