Smile API provides user-authorized access to recent, comprehensive, verified employment data that is accessible in real-time from employment documents, HR and payroll systems, gig economy platforms, and social security systems through a SINGLE API.
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
Get the validated identity and better assess the capacity of your borrowers through Smile. With Smile, you can assess credit worthiness in 10 seconds and reduce non-performing loans by 10%
Our automated background check solution can help you simplify the pre-employment screening and onboarding process: reducing it from a 10-day ordeal to just 10 minutes!
AWARDED AND RECOGNIZED BY
Singapore Fintech Association
Singapore Startup of the Year Nominee
Google Cloud Academy APAC
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 can provide employment dataacross platforms and employers, all through a single API. Use our API to make better decisions, increase adoption and conversion, lower cost, and reduce risk. Access to the data is provided by the employees themselves. We offer a mechanism by which your users can give their consent to have this personal data collected and transmitted to you or any party they trust on their behalf. This is all done in a simple, secure and seamless way.
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.