Bettr’s credit tech reached more than 30 million users by October 2025 as digital platforms adopted its lending solutions, tripling its reach from a year earlier.

The increase reflects growing demand from MSMEs in emerging markets and the push by platforms to embed credit services that strengthen merchant engagement and support revenue.

The launch of Bettr’s expanded credit tech suite comes as MSMEs face an estimated US$8 trillion financing gap in emerging markets and developing economies, according to the International Finance Corporation.

As platforms scale, many are seeking tools to deliver more tailored lending within their ecosystems.

Bettr provides SaaS, Risk-as-a-Service and alternative data-driven Data-as-a-Service offerings that support partners across their credit operations.

Its solutions use alternative data and AI to build risk profiles for MSMEs in more than 20 markets.

A core product is Bettr’s credit engine, which applies machine learning, large language models, heterogeneous networks and deep neural networks to support real-time and dynamic credit assessment.

Bettr says partners can deploy credit policies in minutes through a template-based, code-free interface.

The company is also developing AI tools for fraud detection, risk assessment and customer support, and plans to introduce a strategy bot that designs credit rules based on market conditions.

Bettr’s expansion includes a deeper partnership with Dock, a Brazilian payments and banking technology provider.

The collaboration begins in Brazil and will extend to other Latin American markets through Dock’s network of more than 400 banks and fintech companies, helping digital platforms provide credit and financing support to MSMEs.

“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. 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.”

said Quan Yu, General Manager of Global Credit Services, Ant International.

Bettr is part of Ant International, which oversees Ant Group’s international digital finance and technology operations.

Featured image: Edited by Fintech News Singapore, based on image by suksao via Freepik