Bettr, the inclusive financial services and technology business under Ant International, has introduced a new suite of proprietary, end-to-end credit tech solutions designed to help digital platforms build, scale, and enhance their lending capabilities. The offering aims to strengthen financial inclusion by enabling micro, small and medium-sized enterprises (MSMEs) in emerging markets to access faster, more reliable, and data-driven credit services.

Bettr's credit tech solutions supported over 30 million customers to gain access to credit services through its partners by the end of October 2025, marking a threefold increase compared to the same period in 2024, with MSMEs among the key segments driving this growth. 

International Finance Corporation estimates a US$8 trillion financing gap for MSMEs in emerging markets and developing economies. With global platforms, from e-commerce to food delivery, entering emerging markets and local platforms in these markets continue to scale, many are looking to offer tailored credit services to better support MSMEs operating on their ecosystems. Doing so not only empowers MSMEs, but also boost merchant engagement and drives revenue.  

Bettr deliver one-stop credit technology solutions, encompassing SaaS (Software-as-a-Service), RaaS (Risk-as-a-Service), and alternative data-driven DaaS (Data-as-a-Service) offerings. Our comprehensive solution portfolio supports partners at all stages, from incubating credit operations to achieving scalable growth, and helps them boost customer engagement and drive sustainable revenue growth.

Bettr's credit solutions leverage alternative data-driven credit capabilities to serve diverse sectors with a wide range of use cases across over 20 markets.

Alternative Data Intelligence will help transform sparse, local data sources into reliable credit attributes by applying advanced AI. Using machine learning, large language models, heterogeneous networks and deep neural networks, it supports lenders in building comprehensive and precise risk profiles for MSMEs, enhancing credit assessment and supporting real-time, dynamic credit decisioning. 

As a core product, the AI-driven Alternative Credit Engine for credit assessment and decision-making can shorten the deployment of credit policies for partner platforms and financial institutions from weeks to minutes. The partners who adopt this solution only need to drag different modules from a built-in template library which covers key strategies such as underwriting and drop at the code-free interface to simply build their own credit policies.

Combined with rapid strategy testing and comprehensive monitoring, it helps partners to respond swiftly to MSMEs' needs. In a near future, a strategy bot will be launched to design tailored credit policies based on market dynamics and partner objectives.

Bettr is also developing AI agents for multiple scenarios, including risk assessment, fraud detection, and personalized customer support, empowering digital platforms to deliver more inclusive financial services to MSMEs.

The launch is marked by an expanded partnership with Dock, a leading payments and banking technology provider in Brazil, to scale the solutions’ deployment starting in Brazil and then expanding to other Latin American markets. Through Dock's ecosystem of over 400 partner banks and fintechs, the collaboration will help digital platforms extend credit and financing support to MSMEs.

"The Brazilian people have a very strong entrepreneurial spirit, and all the innovative ideas found in the country’s MSMEs require financing to grow and scale. A small artisan, for example, can benefit immensely from a tech platform that can expand business reach, and even help them export their artwork to the entire world,” said Antonio Soares, CEO of Dock. “There is a huge business opportunity in extending credit to these entrepreneurs, but it goes beyond that: we have a chance to further drive financial inclusion and economically empower them. Through Dock’s partnership with Ant International, I believe we’ll contribute to building a more inclusive and sustainable financial ecosystem in the country.”

"Emerging markets are driving global growth, powered by millions of MSMEs with untapped potential. What they need are the right tools and partners to realize it," said Quan Yu, General Manager of Global Credit Services, Ant International. "Our goal is to equip digital platforms with the infrastructure, technology, and products they need to embed credit services directly into their ecosystems. By doing so, these platforms can reach underserved MSMEs at scale quickly and sustainably. This approach is already in place across around 20 markets, and we will continue expanding its impact.”