Lending software for Taiwan
A high-savings market where JCIC data and LINE messaging shape consumer and SME credit. lendhero arrives with JCIC, MyData and FISC already connected, so your team configures products instead of plumbing.
- TWD (NT$)
- Chinese, English
- 15 local connectors
- 1–2 weeks to launch
Ni hao, Mei
709
Credit score
On-time payments
Market profile
Taiwan at a glance
What lendhero is set up for in Taiwan before your team logs in.
Currency
TWD (NT$)
Languages
Chinese, English
Supervisor
Financial Supervisory Commission
Credit data
JCIC
Payout rails
FISC, LINE Pay, JKOPAY
Data protection
the PDPA
- 15
- local connectors wired in before kickoff
- TWD
- for pricing, payouts and repayments
- 1–2
- weeks from kickoff to the first loan
- 2
- interface languages: Chinese, English
Working with borrowers in Taiwan
Tools for every borrower conversation
Borrowers in Taiwan apply, sign, pay and come back for repeat loans in Chinese and TWD.
Decisioning
Decisions in seconds,
explained in plain words
Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.
- Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
- Rules you can readYour team can answer any borrower about why.
Application #48213
Mei · Consumer loan, 6 months · NT$150,000
- IdentityVerified
- Anti-fraudPassed
- Credit bureau712
- Debt-to-income31%
- Sanctions & watchlistsClear
Local stack
The Taiwan stack,
connected before kickoff.
lendhero ships with the connectors lenders in Taiwan use every day, from JCIC to Direct debit. New ones are added through the open API.
- Credit bureaus & registries1 connector
- JJCIC
- Identity & KYC2 connectors
- MMyData
- OOnfido
- Bank & alternative data2 connectors
- OOpen banking
- BBank statements
- Disbursement rails3 connectors
- FFISC
- LLINE Pay
- JJKOPAY
- Repayments & collections2 connectors
- DDirect debit
- CCard
- Messaging3 connectors
- LLINE
- IInfobip
- E-signature2 connectors
- DDocuSign
Checks and payments
Who borrows and how money moves in Taiwan
Applicants are checked with JCIC, and money moves via FISC and LINE Pay.
Client checks
Checks connected in Taiwan:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationMyData, OnfidoPass
- Credit bureausJCICPass
- Government registriesNational ID and tax registriesPass
- Bank and alternative dataOpen banking, Bank statementsReview
- Additional data sourcesTelco, open banking and your own listsAuto
Payment infrastructure
Payment rails connected in Taiwan:
- FISC
- LINE Pay
- JKOPAY
- Direct debit
- Card
Loan servicing
Every loan and every repayment on one screen
Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.
- Automatic calculations for every loanInterest, fees and penalties in TWD are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
- Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.
Loan #48213
NT$150,000
On track| Date | Amount | Status |
|---|---|---|
| Sep 4 | NT$26,750 | Paid |
| Oct 4 | NT$26,750 | Paid |
| Nov 4 | NT$26,750 | Due in 7 days |
| Dec 4 | NT$26,750 | Upcoming |
| Jan 4 | NT$26,750 | Upcoming |
Loan flow
How a loan runs in Taiwan. Five steps, all local.
- 01ApplyBorrowers apply on the web, in the app or via LINE, with forms in Chinese and English.
- 02VerifyIdentity and documents are checked through MyData and Onfido.
- 03DecideScorecards pull JCIC data and return a decision in seconds.
- 04DisburseFunds go out via FISC or LINE Pay in TWD, straight after signing.
- 05CollectRepayments arrive via Direct debit and Card, with reminders over LINE.
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Products
What lenders in Taiwan launch
on lendhero.
Compliance
Configured for FSC and the PDPA.
lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Taiwan.
Hosting & data residency
Cloud or on-premise deployment, with data stored where the PDPA requires.
Consent & privacy
Borrower consents are captured, versioned and logged under the PDPA.
Pricing & disclosures
Rates, fees and cost-of-credit disclosures set per product for FSC rules.
Audit trail
Every decision, edit and message is logged for internal and external audits.
More markets in East Asia
All Asia markets
China
Hong Kong
Japan
South KoreaQuestions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Can lendhero run a lending business in Taiwan?+–
Yes. The platform is set up for TWD, Chinese and English and FSC requirements, with 15 local connectors ready on day one.
Which credit data sources are connected in Taiwan?+–
JCIC. On top of that, identity checks run through MyData and Onfido and bank data comes from Open banking and Bank statements.
How do borrowers get paid and repay?+–
Payouts go out via FISC, LINE Pay and JKOPAY in TWD. Repayments arrive via Direct debit and Card, with reminders over LINE and Infobip.
How long does a launch in Taiwan take?+–
Usually 1–2 weeks from kickoff to the first loan, including connecting 15 local services, product setup, staff training and a test run.
Can we run several countries on one platform?+–
Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.
Book a demo
Lending in Taiwan?
Let’s plan the launch.
We’ll walk you through the platform, show what matters for your products and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing