AI-Powered MSME Solutions

Poket Bisnes

Revolutionary AI-driven Shariah-compliant fintech platform tailored for Malaysian MSMEs. Integrate credit profiling, financial literacy, and embedded Islamic finance ecosystem.

480K+
MSMEs Served
Malaysian businesses
100%
Shariah Compliant
Islamic finance
24/7
AI Support
Round the clock
4.9/5
User Rating
Excellent feedback

Comprehensive MSME Solutions

From credit profiling to embedded finance, we offer complete Shariah-compliant solutions tailored for Malaysian MSMEs.

Core Business Features

eKYB & Document Recognition

Digital onboarding using OCR to extract data from invoices and transaction reports

  • OCR technology
  • Digital onboarding
  • Data extraction

Transactional Behavior Engine

Analyzes alternative data from e-wallets, QR payments, and e-commerce sales

  • Alternative data analysis
  • Creditworthiness assessment
  • Non-traditional metrics

Segmented Credit Models

Risk tiers (Grade 1-7) for tailored Islamic financing solutions

  • Risk-based pricing
  • Tailored financing
  • Growth assessment

Gamified Learning

Incentivized financial literacy with badges and preferential rates

  • Interactive workshops
  • Progress tracking
  • Reward system

Payroll Module

Auto-calculates wages, deductions, and Zakat contributions

  • Automated calculations
  • LHDN compliance
  • Zakat integration

E-Invoicing System

Generates auto-invoices and syncs with tax authorities

  • Auto-invoicing
  • Tax compliance
  • Digital records

Ecosystem Integrations

E-commerce Integration

Embedded financing for platforms like Shopee and Lazada

  • BNPL solutions
  • Murabaha contracts
  • Seamless integration

API Partnerships

Connect with multiple platforms for embedded Islamic finance

  • Open APIs
  • Third-party integration
  • Scalable solutions

Halal Monitoring

AI flags non-compliant transactions automatically

  • Real-time monitoring
  • Compliance alerts
  • Risk management

Zakat Automation

Auto-calculates and disburses Zakat from profits

  • Auto-calculation
  • Timely disbursement
  • Transparency

Why Choose Poket Bisnes?

Experience the difference with our comprehensive AI-driven platform that puts Islamic principles first for MSMEs.

Feature Comparison

Traditional vs Poket AI

Traditional
Poket AI
Credit Profiling

Key comparison point

Traditional
Traditional Bank Assessment

Manual document review, limited data sources, lengthy approval process

MSMEs struggle with complex documentation and long waiting times

Poket AI
AI-Powered Credit Profiling

eKYB & document recognition, alternative data analysis, instant scoring

Get credit assessment in minutes using non-traditional data sources

Financial Literacy

Key comparison point

Traditional
Basic Workshops

Generic training sessions, no personalization, limited engagement

MSMEs lack targeted financial education for their specific needs

Poket AI
Gamified Learning Platform

Adaptive learning engine, interactive workshops, growth readiness tracking

Master Islamic finance through personalized, reward-based learning

Business Operations

Key comparison point

Traditional
Manual Processes

Separate systems for payroll, invoicing, payments, tax compliance

Time-consuming manual processes with high error rates

Poket AI
Integrated Business Hub

Automated payroll, e-invoicing, payment scheduling, LHDN compliance

Streamline all business operations in one Shariah-compliant platform

Islamic Compliance

Key comparison point

Traditional
Manual Verification

Self-monitoring for Shariah compliance, risk of non-compliance

Uncertain about Islamic principles and transaction monitoring

Poket AI
AI Compliance Monitoring

Halal transaction monitoring, auto Zakat calculation, PLS models

Automatic Shariah compliance with AI-powered monitoring

Financing Access

Key comparison point

Traditional
Limited Options

Few Islamic financing products, rigid eligibility criteria

Struggle to find suitable Islamic financing for MSME needs

Poket AI
Segmented Islamic Financing

Risk-tiered models (Grade 1-7), Murabaha, Musharakah, Mudarabah

Access tailored Islamic financing based on your business profile

Customer Support

Key comparison point

Traditional
Limited Support Hours

Branch visits required, long response times, basic assistance

Wait for business hours to get help with complex financial queries

Poket AI
AI Bank Coach Companion

Shariah-compliant Gen-AI chatbot, 24/7 support, personalized guidance

Get instant answers to Islamic finance questions anytime

Overall Experience

User satisfaction & efficiency

Limited functionality

Exceptional experience

10x Faster

AI-powered credit profiling in minutes

100% Halal

Shariah-compliant business solutions

480K+ MSMEs

Serving Malaysian businesses

Ready to Transform Your MSME?

Join thousands of Malaysian MSMEs using AI-powered Shariah-compliant solutions to grow their businesses.

Get Started Now