Bee Informatica sdn.bhd.

offer business platform "pathos" for women entrepreneur with micro finance and business support. we target for women in micro smes and individual both. platform offer not only finance but also business information and project support, peer matching. we believe those affirmation from peer are greatly helping for promoting business. this platform "pathos" uses machine learning to create alternative credit scoring (acs) from peer activity and mobile information. this acs will help person who does not have good credit history. fare credit for women women tend to be underestimated. statistically in malaysia, 55% is women among 33% of whole population who are unbanked. pathos tries to shift society anyone who has skill and passion can be rightly given credit. acs (alternative credit score) with behavior analysis can help. technology should stand by human we believe technology should stand by human instead of human stand by technology. pathos as startup will challenge this financial inclusi