Fintech firm Maya presented how it uses artificial intelligence (AI) to support lending, payments, and fraud prevention during Hong Kong FinTech Week 2025, where global fintech and banking leaders discussed the impact of new digital tools on financial services.
Maya said it is expanding the role of AI across its banking and payments services to help improve financial access and strengthen customer protection.
“AI is becoming the new infrastructure of finance,” said Alfred Lo, group CTO of Maya. “At Maya, we use AI to understand people better, make credit more inclusive, and strengthen trust in every transaction.”
The company operates with Maya Bank and Maya Philippines. The company said it has integrated AI into payments, savings, credit scoring, and fraud monitoring. As of end-June 2025, Maya reported 8.2 million bank customers and ₱152 billion in cumulative loan releases.
Its AI models assess thousands of behavioral and transactional data points to support instant credit decisions and reduce fraud risks. The system handles tens of thousands of loan applications each day. The fintech company said the approach has helped lower default rates since it began operating as a bank in 2022.
Data from the Bangko Sentral ng Pilipinas Financial Inclusion Survey 2021 showed that only 4% of adults with loans borrowed from banks, while 57% relied on informal lenders. The company said AI-driven credit tools help address this gap by making loan access more practical for more people.
“AI helps us design credit for inclusion, not exclusion,” Lo said. “It allows us to extend opportunities responsibly, making financial health part of everyday life, not a privilege for a few.”
Hong Kong FinTech Week 2025, organized with InvestHK and StartmeupHK, gathered global speakers from organizations such as HSBC, Ant Group, Mastercard, and Maya. The event carried the theme “Fintech Redefined,” focusing on how AI, digital assets, and cross-border technology are influencing financial services.