Streamline your credit decision process with access to recent, comprehensive, verified employment data. Trust in the reliability and security of our API to provide you with the data you need to make informed decisions.
Buy Now, Pay Later
Get access to alternative data for credit scoring and credit decisions
verification and minimize risk of credit defaults and non-performing loans
Earned Wage Access
Easy access to third-party employment and income data and apply consistent standards for assessing credit worthiness
Optimize loan origination process and reduce cost of compliance
Reduce friction in the signup, verification and approval process
Automatically verify applicants' employment history and streamline employment document submissions
Get proof of income and indications of renter's character and capacity
Expand offerings to customers to include employment and income data
Our automated background check solution can help you simplify your recruitment process, reducing it from a 4-week ordeal to just 1 day.
We provide employment data across different employment platforms and employers, all through a single API for credit decisions and loan underwriting.
AWARDED AND RECOGNIZED BY
Singapore Fintech Association
Alibaba Cloud x KRAsia
Global Startup Accelerator Demo Day
Top Southeast Asia Developer APIs Companies and Startups
Devcon Summit 2022
Top 8 Startup
Philippine Startup Week 2022
Top 100 Startups SHOWQASE by QBO
The Philippine SAAS Conference
Top 5 Philippine Startup
WILDFIRE Pitch Event
Top 3 Finalist
Smile believes in the sanctity of one's privacy and that our users are the owners of their personal data, and should always be in full control when and to whom they share their data. Smile seeks to comply with all local laws around data privacy. In the Philippines, we comply with the Data Privacy Act of 2012 (RA 10173) and we help users exercise their right to Data Portability under Section 18 of the Philippine Data Privacy Act.
Smile offers two use cases: one for lenders and one for HR professionals.
For lenders, our API integrates into their company's system to reduce nonperforming loans and increase adoption and conversion.
For HR professionals, our automated background check solution helps them hire faster and more efficiently by reducing time spent and preventing falsified information.
We are an employment verification solution and trusted by multiple lending companies. We are now expanding our solution among HR practitioners to support the recruitment process with our instant, automated, and new employee authorized background check solution. We provide instant access to the most recent, comprehensive, verified data about your users' identity, employment and income in the industry. Use it to make better decisions, increase adoption and conversion, lower cost and reduce risk.