Speed is the currency of the lending industry. We just made it instant.

Fill Easy is proud to announce a breakthrough in the money lending sector. In strategic partnership with Innotech System, a leading financial data management system, we have successfully launched the first-ever "iAM Smart" powered onboarding flows for licensed money lenders MoneyGo and Jump.

This launch marks a significant turning point for licensed money lenders in Hong Kong, moving away from manual ID uploads to government-backed digital verification.

The Challenge: Balancing Speed and Risk

For money lenders, the onboarding process has always been a tightrope walk.

• The need for speed: Borrowers usually require urgent liquidity and expect rapid approval.

• The risk of fraud: Fast approvals often open the door to identity theft and synthetic fraud.

Traditionally, lenders had to manually check ID copies, which slowed down disbursement and left room for human error.

The Solution: Instant Trust via Innotech

By integrating Fill Easy’s "iAM Smart" API into Innotech’s financial data management system, MoneyGo and Jump can now verify a borrower's identity in seconds.

The system pulls verified personal data (name, HKID number, date of birth) directly from the government database with the user's consent. This ensures the applicant is exactly who they say they are, allowing for immediate credit decisioning.

Industry Impact

Stephen Koo, from Innotech System, highlights the transformative nature of this integration:

"Integrating 'iAM Smart' through Fill Easy is a definitive game-changer for the money lending industry. In a sector where 'time-to-cash' is critical, we have successfully replaced slow, manual KYC processes with instant, government-grade verification.

For our clients like MoneyGo and Jump, this doesn't just improve the user experience—it fundamentally changes their risk profile. We are seeing onboarding times drop drastically while practically eliminating the risk of identity fraud. This is the future of lending in Hong Kong."

— Stephen Koo, Innotech System

Key Benefits for Lenders & Borrowers

• Fraud Elimination: Direct government data source prevents fake ID uploads and identity theft.

• Instant Onboarding: Application times reduced from hours to mere minutes.

• Paperless Experience: Users no longer need to photograph and upload their HKID cards manually.

Looking Ahead

This deployment with MoneyGo and Jump proves that "iAM Smart" is not just for banks and insurers—it is a vital tool for the broader financial services ecosystem. We are excited to continue working with Innotech to bring this standard to more lenders across the city.