1. Setup ai chatbot automation
   1. Personal Loan commission , fees and ai chatbot guideline setting
      1. Panel Bank bank comm based on loan amount 2%
         1. RHB
         2. ALB
         3. Al Raj
      2. IM advisory - Non Panel bank claim comm from lender
         1. Aeon
            1. Below 30k = comm 1k 30.1k - 50k = comm 3k Above 51k = comm 5k
         2. YDG Renovation Loan cant convert to cash
            1. comm = 10% for loan approval amount eg : Loan Amount - 10k = 1k comm - 20k = 2k comm -30k=3k comm -40k=4k comm -50k=5k comm ( max)
         3. Premium Renovation Loan Can convert Cash
            1. Below 30k = comm 1k Above 30.1k = comm 3k
      3. IM Advisory - Advisory loan eligible
         1. Matching Suitable Micro lending - Advisory fees - RM300 - value to applicant- income and ctos screening , match secured license lender make sure , matching lender approval guideline inprove approval chance .
            1. E-Micro Loan amount below 10k online application - instant approval
            2. TnG loan amount below 10k TnG apps application - instant approval
      4. ai chatbot automation -setting
         1. income type
            1. salary
            2. Basic =ask monthly fix income
            3. Basic + Veriable = ask average 6 month income
            4. Basic + Veriable + comm = ask average 6 month income
            5. commission
            6. ask average 6 month income
            7. goverment
            8. ask gross income , monthly payslip deduction amount , net income after deduction
            9. self employee
            10. latest year income tax declaration
            11. contract
            12. Basic =ask monthly fix income
            13. Basic + Veriable = ask average 6 month income
            14. Basic + Veriable + comm = ask average 6 month income
            15. pure commission
            16. ask average 6 month income
            17. No income
         2. income range based on gross income
            1. below 1.5k
            2. below 2k
            3. below 3k
            4. below 4k
            5. below 5k
            6. above 5.01k
         3. product type
            1. Personal Loan
            2. Bank
            3. RHB
            4. ALB
            5. Al raj
            6. AEON
            7. Money Lender
            8. Premium - can convert to cash
            9. YDG Credit - Cant convert to cash
            10. Renovation Loan
            11. Money Lender
            12. YDG Credit - Cant convert to cash
            13. Micro Loan
            14. Money Lender
            15. E- Micro
            16. ACOM
            17. Bank
            18. TNG CIMB
         4. age
            1. setup avoid age
         5. NDI
            1. Based on lender setting
         6. Loan Amount
            1. min - RM500 - RM5,000
            2. min - RM1,000 - RM10,000
            3. min - RM5,000 - RM50,000
         7. ccris record
            1. ccris Record
            2. No Record
            3. Yes Record
            4. loan status
            5. normal
            6. akpk
            7. restructure
            8. SAA
            9. payment record
            10. no late
            11. late 1 month
            12. late 2 month
            13. late 3 month
            14. late above 4 month
            15. late payment avoid ptptn late payment
            16. Legal item
            17. Yes
            18. No
            19. unsecured loan outstanding - check point- credit card , personal loan
            20. above 200k no eligible
            21. Credit card limit usage
            22. above 75%
            23. 76%- 100%
            24. 100% above
         8. credit reporting agency
            1. CTOS
            2. Trade Reference
            3. Litigation legal case
            4. Score card
            5. RAMCI
            6. CBM
         9. Priority propose
            1. 1- Panel
            2. Bank
            3. 1. RHB
            4. 2. ALB
            5. 3. Al raj
            6. 2 -Non Panel
            7. Bank
            8. 4. Aeon
            9. Licensed Money Lender
            10. 5. Premium
            11. 3- IM advisory
            12. Bank
            13. 6. TnG CIMB
            14. Licensed Money Lender
            15. 7. E-Micro
            16. 8. ACOM
         10. note
             1. Licensed money Lender under KPKT listing , introduce money lender company .
   2. lender approval guideline
      1. Bank
         1. RHB
            1. income type
            2. salary
            3. Basic =ask monthly fix income
            4. Basic + Veriable = ask average 6 month income
            5. Basic + Veriable + comm = ask average 6 month income
            6. commission
            7. ask average 6 month income
            8. goverment
            9. ask gross income , monthly payslip deduction amount , net income after deduction
            10. self employee
            11. latest year income tax declaration
            12. contract
            13. Basic =ask monthly fix income
            14. Basic + Veriable = ask average 6 month income
            15. Basic + Veriable + comm = ask average 6 month income
            16. pure commission
            17. ask average 6 month income
            18. No income
            19. income range based on gross income
            20. below 1.5k
            21. below 2k
            22. below 3k
            23. below 4k
            24. below 5k
            25. above 5.01k
            26. age
            27. setup avoid age
            28. 0-21
            29. 55 above
            30. NDI
            31. Based on lender setting
            32. NO
            33. Yes
            34. RM1300
            35. Loan Amount
            36. min - RM500 - RM5,000
            37. min - RM1,000 - RM10,000
            38. min - RM5,000 - RM50,000
            39. Manual
            40. RM5000-RM150,000
            41. ccris record
            42. ccris Record
            43. No Record
            44. Yes Record
            45. loan status
            46. normal
            47. akpk
            48. restructure
            49. SAA
            50. payment record
            51. no late
            52. late 1 month
            53. late 2 month
            54. late 3 month
            55. late above 4 month
            56. late payment avoid ptptn late payment
            57. Legal item
            58. Yes
            59. No
            60. unsecured loan outstanding - check point- credit card , personal loan
            61. above 200k no eligible
            62. No applicable
            63. Credit card limit usage
            64. above 75%
            65. 76%- 100%
            66. 100% above
            67. credit reporting agency
            68. CTOS
            69. Trade Reference
            70. Litigation legal case
            71. Score card
            72. RAMCI
            73. CBM
            74. No applicable
         2. AEON
            1. income type
            2. salary
            3. Basic =ask monthly fix income
            4. Basic + Veriable = ask average 6 month income
            5. Basic + Veriable + comm = ask average 6 month income
            6. commission
            7. ask average 6 month income
            8. goverment
            9. ask gross income , monthly payslip deduction amount , net income after deduction
            10. self employee
            11. latest year income tax declaration
            12. contract
            13. Basic =ask monthly fix income
            14. Basic + Veriable = ask average 6 month income
            15. Basic + Veriable + comm = ask average 6 month income
            16. pure commission
            17. ask average 6 month income
            18. No income
            19. income range based on gross income
            20. below 1.5k
            21. below 2k
            22. below 3k
            23. below 4k
            24. below 5k
            25. above 5.01k
            26. age
            27. setup avoid age
            28. 0-21
            29. 55 above
            30. NDI
            31. Based on lender setting
            32. NO
            33. Yes
            34. RM1000
            35. Loan Amount
            36. min - RM500 - RM5,000
            37. min - RM1,000 - RM10,000
            38. min - RM5,000 - RM50,000
            39. Manual
            40. RM5000-RM100,000
            41. ccris record
            42. loan status
            43. normal
            44. akpk
            45. restructure
            46. SAA
            47. ccris Record
            48. No Record
            49. Yes Record
            50. payment record
            51. no late
            52. late 1 month
            53. late 2 month
            54. late 3 month
            55. late above 4 month
            56. late payment avoid ptptn late payment
            57. Legal item
            58. Yes
            59. No
            60. unsecured loan outstanding - check point- credit card , personal loan
            61. above 200k no eligible
            62. No applicable
            63. Credit card limit usage
            64. above 75%
            65. 76%- 100%
            66. 100% above
            67. credit reporting agency
            68. CTOS
            69. Trade Reference
            70. Litigation legal case
            71. Score card
            72. RAMCI
            73. CBM
            74. No applicable
         3. ALB
            1. income type
            2. salary
            3. Basic =ask monthly fix income
            4. Basic + Veriable = ask average 6 month income
            5. Basic + Veriable + comm = ask average 6 month income
            6. commission
            7. ask average 6 month income
            8. goverment
            9. ask gross income , monthly payslip deduction amount , net income after deduction
            10. self employee
            11. latest year income tax declaration
            12. contract
            13. Basic =ask monthly fix income
            14. Basic + Veriable = ask average 6 month income
            15. Basic + Veriable + comm = ask average 6 month income
            16. pure commission
            17. ask average 6 month income
            18. No income
            19. income range based on gross income
            20. below 1.5k
            21. below 2k
            22. below 3k
            23. below 4k
            24. below 5k
            25. above 5.01k
            26. age
            27. setup avoid age
            28. 0-21
            29. 55 above
            30. NDI
            31. Based on lender setting
            32. NO
            33. Yes
            34. RM1000
            35. Loan Amount
            36. min - RM500 - RM5,000
            37. min - RM1,000 - RM10,000
            38. min - RM5,000 - RM50,000
            39. Manual
            40. RM5000-RM100,000
            41. ccris record
            42. loan status
            43. normal
            44. akpk
            45. restructure
            46. SAA
            47. ccris Record
            48. No Record
            49. Yes Record
            50. payment record
            51. no late
            52. late 1 month
            53. late 2 month
            54. late 3 month
            55. late above 4 month
            56. late payment avoid ptptn late payment
            57. Legal item
            58. Yes
            59. No
            60. unsecured loan outstanding - check point- credit card , personal loan
            61. above 200k no eligible
            62. No applicable
            63. Credit card limit usage
            64. above 75%
            65. 76%- 100%
            66. 100% above
            67. credit reporting agency
            68. CTOS
            69. Trade Reference
            70. Litigation legal case
            71. Score card
            72. RAMCI
            73. CBM
            74. No applicable
         4. Al Raj
            1. income type
            2. salary
            3. Basic =ask monthly fix income
            4. Basic + Veriable = ask average 6 month income
            5. Basic + Veriable + comm = ask average 6 month income
            6. commission
            7. ask average 6 month income
            8. goverment
            9. ask gross income , monthly payslip deduction amount , net income after deduction
            10. self employee
            11. latest year income tax declaration
            12. contract
            13. Basic =ask monthly fix income
            14. Basic + Veriable = ask average 6 month income
            15. Basic + Veriable + comm = ask average 6 month income
            16. pure commission
            17. ask average 6 month income
            18. No income
            19. income range based on gross income
            20. below 1.5k
            21. below 2k
            22. below 3k
            23. below 4k
            24. below 5k
            25. above 5.01k
            26. age
            27. setup avoid age
            28. 0-21
            29. 55 above
            30. NDI
            31. Based on lender setting
            32. NO
            33. Yes
            34. RM1000
            35. Loan Amount
            36. min - RM500 - RM5,000
            37. min - RM1,000 - RM10,000
            38. min - RM5,000 - RM50,000
            39. Manual
            40. RM5000-RM100,000
            41. ccris record
            42. loan status
            43. normal
            44. akpk
            45. restructure
            46. SAA
            47. ccris Record
            48. No Record
            49. Yes Record
            50. payment record
            51. no late
            52. late 1 month
            53. late 2 month
            54. late 3 month
            55. late above 4 month
            56. late payment avoid ptptn late payment
            57. Legal item
            58. Yes
            59. No
            60. unsecured loan outstanding - check point- credit card , personal loan
            61. above 200k no eligible
            62. No applicable
            63. Credit card limit usage
            64. above 75%
            65. 76%- 100%
            66. 100% above
            67. credit reporting agency
            68. CTOS
            69. Trade Reference
            70. Litigation legal case
            71. Score card
            72. RAMCI
            73. CBM
            74. No applicable
         5. TnG CIMB
            1. income type
            2. salary
            3. Basic =ask monthly fix income
            4. Basic + Veriable = ask average 6 month income
            5. Basic + Veriable + comm = ask average 6 month income
            6. commission
            7. ask average 6 month income
            8. goverment
            9. ask gross income , monthly payslip deduction amount , net income after deduction
            10. self employee
            11. latest year income tax declaration
            12. contract
            13. Basic =ask monthly fix income
            14. Basic + Veriable = ask average 6 month income
            15. Basic + Veriable + comm = ask average 6 month income
            16. pure commission
            17. ask average 6 month income
            18. No income
            19. income range based on gross income
            20. below 1.5k
            21. below 2k
            22. below 3k
            23. below 4k
            24. below 5k
            25. above 5.01k
            26. age
            27. setup avoid age
            28. 0-18
            29. 60 above
            30. NDI
            31. Based on lender setting
            32. NO
            33. No DSR Requirement
            34. Yes
            35. RM900
            36. Loan Amount
            37. min - RM500 - RM5,000
            38. min - RM1,000 - RM10,000
            39. min - RM5,000 - RM50,000
            40. Manual
            41. RM500-RM10,000
            42. ccris record
            43. ccris Record
            44. No Record
            45. Yes Record
            46. loan status
            47. normal
            48. akpk
            49. restructure
            50. SAA
            51. payment record
            52. no late
            53. late 1 month
            54. late 2 month
            55. late 3 month
            56. late above 4 month
            57. late payment avoid ptptn late payment
            58. Legal item
            59. Yes
            60. No
            61. unsecured loan outstanding - check point- credit card , personal loan
            62. above 200k no eligible
            63. No applicable
            64. Credit card limit usage
            65. above 75%
            66. 76%- 100%
            67. 100% above
            68. credit reporting agency
            69. CTOS
            70. Trade Reference
            71. Litigation legal case
            72. Score card
            73. RAMCI
            74. CBM
            75. No applicable
      2. Money Lender
         1. YDG
         2. Premium
         3. E-micro
         4. ACOM
   3. auto Reminder
      1. no reply
         1. based on tat setting
            1. frequency
            2. daily select : time
            3. mon
            4. 7am - 9am
            5. tues
            6. 9am- 11am
            7. wed
            8. 11am - 1pm
            9. thur
            10. 1pm - 3pm
            11. friday
            12. 3pm - 5pm
            13. Sat
            14. 5pm - 7pm
            15. Sun
            16. 7pm - 9pm
            17. weekly
            18. 1
            19. mon
            20. 7am - 9am
            21. tues
            22. 9am- 11am
            23. wed
            24. 11am - 1pm
            25. thur
            26. 1pm - 3pm
            27. friday
            28. 3pm - 5pm
            29. Sat
            30. 5pm - 7pm
            31. Sun
            32. 7pm - 9pm
            33. 2
            34. mon
            35. 7am - 9am
            36. tues
            37. 9am- 11am
            38. wed
            39. 11am - 1pm
            40. thur
            41. 1pm - 3pm
            42. friday
            43. 3pm - 5pm
            44. Sat
            45. 5pm - 7pm
            46. Sun
            47. 7pm - 9pm
            48. 3
            49. mon
            50. 7am - 9am
            51. tues
            52. 9am- 11am
            53. wed
            54. 11am - 1pm
            55. thur
            56. 1pm - 3pm
            57. friday
            58. 3pm - 5pm
            59. Sat
            60. 5pm - 7pm
            61. Sun
            62. 7pm - 9pm
            63. 4
            64. mon
            65. 7am - 9am
            66. tues
            67. 9am- 11am
            68. wed
            69. 11am - 1pm
            70. thur
            71. 1pm - 3pm
            72. friday
            73. 3pm - 5pm
            74. Sat
            75. 5pm - 7pm
            76. Sun
            77. 7pm - 9pm
            78. monthly
            79. date to date
            80. 7th of month
            81. querterly
            82. date to date
            83. 7th of querter
            84. half year
            85. date to date
            86. 7th of half year
            87. brithday
            88. bird of date
            89. brithday month
            90. pubic holiday promotion
            91. setup promotion month
            92. CNY special rate , apply NOW closed date end of FEB'25
            93. follow up Content - TBC
      2. approved after 6 month follow up
         1. follow up content - TBC
2. System Feature
   1. ai create case
      1. ai share link to applicant accepted , auto create case in im2u system , submitted banker apps to loan provider .
         1. Banker Apps
   2. ic provide auto pull report
      1. mapping guideline outcome results
         1. loan eligible return to chatbot
         2. key factor
   3. income mapping to im2u
   4. setting reminder
   5. invoice auto create
      1. send to applicant register email
      2. payment getaway link
   6. auto create user id
      1. user can login check application status
      2. payment IM fees
      3. Reward point
      4. financial navigator
      5. imoney e-wallet
         1. collaboration with FINTOS Capital
3. operation
   1. invoice
      1. E-inovice
      2. email
   2. collection
      1. human call chase bank in
         1. payment getaway
      2. human whatapps
         1. payment getaway
      3. ai reply
         1. LOD
4. Joel Jalong Id: 11812
   1. Income type - Salary
   2. Gross income - RM2,500
   3. age - 21
   4. Loan Amount - 20k
   5. screening results outcome
      1. No Ccris Record
      2. CTOS no record
      3. payment record
         1. no late
      4. Legal item
         1. No record
      5. unsecured loan outstanding - RM0
         1. above 200k no eligible
      6. Credit card limit usage limit RM0 Outstanding RM0 usage - 0%
         1. Below 75%
      7. Total ccris commitment
         1. RM0
            1. im2u system loan eligible table
            2. AEON- RM19000
   6. Results
      1. Non Panel Bank Priority
         1. Based on profile <income RM2,500> and <no ccris record > no bank eligible approval your loan application . imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            1. You recently got apply any Aeon personal loan in latest 12 month? < Prioirty 2 -non panel bank >
            2. YES
            3. How the results approval or rejected ?
            4. Approval
            5. Based on Aeon currently already approved , IM advisory will Refer Licensed money lender are u interested ?
            6. Yes
            7. send premium link to applicant apply
            8. No
            9. imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            10. YES
            11. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            12. Yes agree to proceed
            13. Read TNC and accpeted
            14. Referral TNG - send user guide
            15. Referral Premium - share link to applicant apply .
            16. email to applicant invoice for payment
            17. operation follow up payment
            18. 3day
            19. payment done
            20. recycler after 6 month ai auto follow up new promotion .
            21. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            22. Yes
            23. continue ask step 1 flow
            24. IC record already had no need ask only income and check again ctos report .
            25. keep rapid same flow
            26. No
            27. 7day
            28. ai auto chase
            29. LOD
            30. CTOS trade reference
            31. Not accpeted
            32. Not to Proceed
            33. NO
            34. Rejected
            35. Sorry , temporary not eligible .
            36. imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            37. YES
            38. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            39. Yes agree to proceed
            40. Read TNC and accpeted
            41. Referral TNG - send user guide
            42. Referral Premium - share link to applicant apply .
            43. email to applicant invoice for payment
            44. operation follow up payment
            45. 3day
            46. payment done
            47. recycler after 6 month ai auto follow up new promotion .
            48. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            49. Yes
            50. continue ask step 1 flow
            51. IC record already had no need ask only income and check again ctos report .
            52. keep rapid same flow
            53. No
            54. 7day
            55. ai auto chase
            56. LOD
            57. CTOS trade reference
            58. Not accpeted
            59. Not to Proceed
            60. NO
            61. NO
            62. Read TNC and accpeted
            63. Referral Aeon - share link to applicant apply .
            64. return status
            65. Approved
            66. congratulation your loan are approved thought IM advisory .
            67. Invoice commission claim AEON
            68. recycler after 6 month ai auto follow up new promotion .
            69. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            70. Yes
            71. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            72. Yes agree to proceed
            73. Read TNC and accpeted
            74. Referral TNG - send user guide
            75. Referral Premium - share link to applicant apply .
            76. email to applicant invoice for payment
            77. operation follow up payment
            78. 3day
            79. payment done
            80. recycler after 6 month ai auto follow up new promotion .
            81. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            82. Yes
            83. continue ask step 1 flow
            84. IC record already had no need ask only income and check again ctos report .
            85. keep rapid same flow
            86. No
            87. 7day
            88. ai auto chase
            89. LOD
            90. CTOS trade reference
            91. Not accpeted
            92. Not to Proceed
            93. No
            94. Rejected
            95. <Aeon> bank are rejected , imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            96. YES
            97. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            98. Yes agree to proceed
            99. Read TNC and accpeted
            100. Referral TNG - send user guide
            101. Referral Premium - share link to applicant apply .
            102. email to applicant invoice for payment
            103. operation follow up payment
            104. 3day
            105. payment done
            106. recycler after 6 month ai auto follow up new promotion .
            107. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            108. Yes
            109. continue ask step 1 flow
            110. IC record already had no need ask only income and check again ctos report .
            111. keep rapid same flow
            112. No
            113. 7day
            114. ai auto chase
            115. LOD
            116. CTOS trade reference
            117. Not accpeted
            118. Not to Proceed
            119. NO
5. Faridawati Binti Idris Id: 11793
   1. Income type - Salary
   2. Gross income - RM2,700
   3. age - 38
      1. TNG,AEON
   4. Loan Amount - 50k
   5. screening results outcome
      1. Yes Ccris Record
         1. TNG,AEON
      2. CTOS no record
         1. TNG,AEON
      3. payment record
         1. no late - TNG,AEON,RHB
      4. Legal item
         1. No - TNG,AEON,RHB
      5. unsecured loan outstanding - RM15,603
         1. above 200k no eligible
      6. Credit card limit usage limit RM10,000 Outstanding RM5,000 usage - 50%
         1. Below 75%
      7. Total ccris commitment
         1. RM413
            1. im2u system loan eligible table
            2. AEON- RM3,115 TNG - RM10,000
   6. Results
      1. IM Advisory Priority
         1. Based on profile <income RM2,700> and 2 <unsecured loan RM15,613 > no bank eligible approval your loan application<no match panel bank> . imoney advisory still can help u screening more financial loan service . interested to apply ?
            1. in your ccris report we find out got 2 personal loan<ccris item personal loan > approved can u share me is what bank you apply ?
            2. if Reply -< Aeon and TnG Cimb >
            3. sorry not eligible at a moment
            4. recycler after 6 month ai auto follow up new promotion .
            5. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            6. Yes
            7. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            8. Yes agree to proceed
            9. Read TNC and accpeted
            10. Referral TNG - send user guide
            11. Referral Premium - share link to applicant apply .
            12. email to applicant invoice for payment
            13. operation follow up payment
            14. 3day
            15. payment done
            16. recycler after 6 month ai auto follow up new promotion .
            17. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            18. Yes
            19. continue ask step 1 flow
            20. IC record already had no need ask only income and check again ctos report .
            21. keep rapid same flow
            22. No
            23. 7day
            24. ai auto chase
            25. LOD
            26. CTOS trade reference
            27. Not accpeted
            28. Not to Proceed
            29. No
            30. If Reply - Other bank
            31. based on reply imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            32. YES
            33. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            34. Yes agree to proceed
            35. Read TNC and accpeted
            36. Referral TNG - send user guide
            37. Referral Premium - share link to applicant apply .
            38. email to applicant invoice for payment
            39. operation follow up payment
            40. 3day
            41. payment done
            42. recycler after 6 month ai auto follow up new promotion .
            43. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            44. Yes
            45. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            46. Yes agree to proceed
            47. Read TNC and accpeted
            48. Referral TNG - send user guide
            49. Referral Premium - share link to applicant apply .
            50. email to applicant invoice for payment
            51. operation follow up payment
            52. 3day
            53. payment done
            54. recycler after 6 month ai auto follow up new promotion .
            55. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            56. Yes
            57. continue ask step 1 flow
            58. IC record already had no need ask only income and check again ctos report .
            59. keep rapid same flow
            60. No
            61. 7day
            62. ai auto chase
            63. LOD
            64. CTOS trade reference
            65. Not accpeted
            66. Not to Proceed
            67. No
            68. 7day
            69. ai auto chase
            70. remind LOD will effect future loan application list at CTOS trade reference risk factor , all LOD fees and charge cost bare by applicant .
            71. eveny month reminder sms and email
            72. keep all whatapps conversation for non payment issue proof audit trial
            73. Not accpeted
            74. recycler after 6 month ai auto follow up new promotion .
            75. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            76. Yes
            77. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            78. Yes agree to proceed
            79. Read TNC and accpeted
            80. Referral TNG - send user guide
            81. Referral Premium - share link to applicant apply .
            82. email to applicant invoice for payment
            83. operation follow up payment
            84. 3day
            85. payment done
            86. recycler after 6 month ai auto follow up new promotion .
            87. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            88. Yes
            89. continue ask step 1 flow
            90. IC record already had no need ask only income and check again ctos report .
            91. keep rapid same flow
            92. No
            93. 7day
            94. ai auto chase
            95. LOD
            96. CTOS trade reference
            97. Not accpeted
            98. Not to Proceed
            99. No
            100. Not to Proceed
            101. recycler after 6 month ai auto follow up new promotion .
            102. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            103. Yes
            104. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            105. Yes agree to proceed
            106. Read TNC and accpeted
            107. Referral TNG - send user guide
            108. Referral Premium - share link to applicant apply .
            109. email to applicant invoice for payment
            110. operation follow up payment
            111. 3day
            112. payment done
            113. recycler after 6 month ai auto follow up new promotion .
            114. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            115. Yes
            116. continue ask step 1 flow
            117. IC record already had no need ask only income and check again ctos report .
            118. keep rapid same flow
            119. No
            120. 7day
            121. ai auto chase
            122. LOD
            123. CTOS trade reference
            124. Not accpeted
            125. Not to Proceed
            126. No
            127. NOT Agree
            128. recycler after 6 month ai auto follow up new promotion .
            129. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            130. Yes
            131. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            132. Yes agree to proceed
            133. Read TNC and accpeted
            134. Referral TNG - send user guide
            135. Referral Premium - share link to applicant apply .
            136. email to applicant invoice for payment
            137. operation follow up payment
            138. 3day
            139. payment done
            140. recycler after 6 month ai auto follow up new promotion .
            141. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            142. Yes
            143. continue ask step 1 flow
            144. IC record already had no need ask only income and check again ctos report .
            145. keep rapid same flow
            146. No
            147. 7day
            148. ai auto chase
            149. LOD
            150. CTOS trade reference
            151. Not accpeted
            152. Not to Proceed
            153. No
6. Roslina Id :11791
   1. Income type - Salary
      1. RHB, TnG,AEON
   2. Gross income - RM2,800
      1. TNG,AEON
   3. age - 32
      1. TNG,AEON
   4. Loan Amount - 10k
      1. RHB,AEON,TNG
   5. screening results outcome
      1. No Ccris Record
         1. TNG,AEON
      2. CTOS no record
         1. TNG,AEON
      3. payment record
         1. PTPTN Bad payment TNG,AEON
      4. Legal item
         1. No - TNG,AEON,RHB
      5. unsecured loan outstanding - RM67,647
         1. above 200k no eligible
      6. Credit card limit usage limit RM10,000 Outstanding RM0 usage - 0%
         1. Below 75%
      7. Total ccris commitment
         1. RM206
            1. im2u system loan eligible table
            2. AEON- RM19,406 TNG - RM10,000
   6. Results
      1. Non panel Bank Priority <Aeon, Premium>
         1. Based on profile <income RM2,500> and <no ccris record > no bank eligible approval your loan application . imoney advisory still can help u screening more financial loan service . interested to apply ?
            1. Yes
            2. You recently got apply any <Aeon> personal loan in latest 12 month? < Prioirty 2 - non panel bank >
            3. YES
            4. Sorry , temporary not eligible . let's us refer u to IM advisory - .
            5. IM Advisory Priority
            6. Based on profile <income RM2,800> and 1 <unsecured loan RM67,647 > no bank eligible approval your loan application. in your ccris report we find out got 1 PTPTN default payment up 63month . (info ccris item Other Finance is PTPTN no other item will categories no ccris record ) imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            7. YES
            8. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            9. Yes agree to proceed
            10. Read TNC and accpeted
            11. Referral TNG - send user guide
            12. Referral Premium - share link to applicant apply .
            13. email to applicant invoice for payment
            14. operation follow up payment
            15. 3day
            16. payment done
            17. recycler after 6 month ai auto follow up new promotion .
            18. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            19. Yes
            20. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            21. Yes agree to proceed
            22. Read TNC and accpeted
            23. Referral TNG - send user guide
            24. Referral Premium - share link to applicant apply .
            25. email to applicant invoice for payment
            26. operation follow up payment
            27. 3day
            28. payment done
            29. recycler after 6 month ai auto follow up new promotion .
            30. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            31. Yes
            32. continue ask step 1 flow
            33. IC record already had no need ask only income and check again ctos report .
            34. keep rapid same flow
            35. No
            36. 7day
            37. ai auto chase
            38. LOD
            39. CTOS trade reference
            40. Not accpeted
            41. Not to Proceed
            42. No
            43. 7day
            44. ai auto chase
            45. remind LOD will effect future loan application list at CTOS trade reference risk factor , all LOD fees and charge cost bare by applicant .
            46. eveny month reminder sms and email
            47. keep all whatapps conversation for non payment issue proof audit trial
            48. Not accpeted
            49. recycler after 6 month ai auto follow up new promotion .
            50. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            51. Yes
            52. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            53. Yes agree to proceed
            54. Read TNC and accpeted
            55. Referral TNG - send user guide
            56. Referral Premium - share link to applicant apply .
            57. email to applicant invoice for payment
            58. operation follow up payment
            59. 3day
            60. payment done
            61. recycler after 6 month ai auto follow up new promotion .
            62. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            63. Yes
            64. continue ask step 1 flow
            65. IC record already had no need ask only income and check again ctos report .
            66. keep rapid same flow
            67. No
            68. 7day
            69. ai auto chase
            70. LOD
            71. CTOS trade reference
            72. Not accpeted
            73. Not to Proceed
            74. No
            75. Not to Proceed
            76. recycler after 6 month ai auto follow up new promotion .
            77. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            78. Yes
            79. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            80. Yes agree to proceed
            81. Read TNC and accpeted
            82. Referral TNG - send user guide
            83. Referral Premium - share link to applicant apply .
            84. email to applicant invoice for payment
            85. operation follow up payment
            86. 3day
            87. payment done
            88. recycler after 6 month ai auto follow up new promotion .
            89. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            90. Yes
            91. continue ask step 1 flow
            92. IC record already had no need ask only income and check again ctos report .
            93. keep rapid same flow
            94. No
            95. 7day
            96. ai auto chase
            97. LOD
            98. CTOS trade reference
            99. Not accpeted
            100. Not to Proceed
            101. No
            102. NOT Agree
            103. recycler after 6 month ai auto follow up new promotion .
            104. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            105. Yes
            106. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            107. Yes agree to proceed
            108. Read TNC and accpeted
            109. Referral TNG - send user guide
            110. Referral Premium - share link to applicant apply .
            111. email to applicant invoice for payment
            112. operation follow up payment
            113. 3day
            114. payment done
            115. recycler after 6 month ai auto follow up new promotion .
            116. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            117. Yes
            118. continue ask step 1 flow
            119. IC record already had no need ask only income and check again ctos report .
            120. keep rapid same flow
            121. No
            122. 7day
            123. ai auto chase
            124. LOD
            125. CTOS trade reference
            126. Not accpeted
            127. Not to Proceed
            128. No
            129. NO
            130. iM advisory will help u submitted application to AEON proceed 20k, confirm to proceed ? < Priority 2- Non panel bank >
            131. YES
            132. Read TNC and accpeted
            133. Referral Aeon - share link to applicant apply .
            134. return status
            135. Approved
            136. congratulation your loan are approved thought IM advisory .
            137. Invoice commission claim AEON
            138. recycler after 6 month ai auto follow up new promotion .
            139. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            140. Yes
            141. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            142. Yes agree to proceed
            143. Read TNC and accpeted
            144. Referral TNG - send user guide
            145. Referral Premium - share link to applicant apply .
            146. email to applicant invoice for payment
            147. operation follow up payment
            148. 3day
            149. payment done
            150. recycler after 6 month ai auto follow up new promotion .
            151. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            152. Yes
            153. continue ask step 1 flow
            154. IC record already had no need ask only income and check again ctos report .
            155. keep rapid same flow
            156. No
            157. 7day
            158. ai auto chase
            159. LOD
            160. CTOS trade reference
            161. Not accpeted
            162. Not to Proceed
            163. No
            164. Rejected
            165. <Aeon> bank are rejected , imoney advisory still can help u screening more financial loan service , but will involve advisory fees u still interested ?
            166. YES
            167. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            168. Yes agree to proceed
            169. Read TNC and accpeted
            170. Referral TNG - send user guide
            171. Referral Premium - share link to applicant apply .
            172. email to applicant invoice for payment
            173. operation follow up payment
            174. 3day
            175. payment done
            176. recycler after 6 month ai auto follow up new promotion .
            177. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            178. Yes
            179. continue ask step 1 flow
            180. IC record already had no need ask only income and check again ctos report .
            181. keep rapid same flow
            182. No
            183. 7day
            184. ai auto chase
            185. LOD
            186. CTOS trade reference
            187. Not accpeted
            188. Not to Proceed
            189. NO
            190. NO
            191. recycler after 6 month ai auto follow up new promotion .
            192. still interested apply personal loan ? based on your last application record currently you are eligible screening matching loan eligibility , will referral 2 more bank to you apply . ?
            193. Yes
            194. u are agree to paid RM300 for screening matching loan eligibility , will referral 2 more bank to you apply .
            195. Yes agree to proceed
            196. Read TNC and accpeted
            197. Referral TNG - send user guide
            198. Referral Premium - share link to applicant apply .
            199. email to applicant invoice for payment
            200. operation follow up payment
            201. 3day
            202. payment done
            203. recycler after 6 month ai auto follow up new promotion .
            204. still interested apply personal loan ? based on your last application record currently you are eligible for RHB and AEON loan up to RM65,000 interested to apply ?
            205. Yes
            206. continue ask step 1 flow
            207. IC record already had no need ask only income and check again ctos report .
            208. keep rapid same flow
            209. No
            210. 7day
            211. ai auto chase
            212. LOD
            213. CTOS trade reference
            214. Not accpeted
            215. Not to Proceed
            216. No
7. mohd Shahreen Id :11744
   1. Income type - Salary
      1. RHB, TnG,AEON
   2. Gross income - RM10,900
      1. TNG,AEON
   3. age - 44
      1. TNG,AEON
   4. Loan Amount - 100k
      1. RHB,AEON,TNG
   5. screening results outcome
      1. Yes Ccris Record
         1. TNG,AEON
      2. CTOS no record
         1. TNG,AEON
      3. payment record
         1. 1. ccris payment record late '3' month 2. status 'K' Akpk
      4. Legal item
         1. No record
      5. unsecured loan outstanding - RM294,487
         1. above 200k no eligible
            1. RM294,487 no more limit
      6. Credit card limit usage Outstanding RM0 usage - 68%
         1. Below 75%
      7. Total ccris commitment
         1. RM5,623
            1. im2u system loan eligible table
            2. AEON- RM19,406 TNG - RM10,000
   6. Results
      1. Affiliate partner - FINTOS Advice
         1. Your personal loan application cannot apply , current situation based ctos record <list down 3 key factor > 1. ccris bad payment record up to 3 month late payment . 2. AKPK status up to 5 item 3. unsecured loan outstanding up to RM294,487
            1. YES
            2. NO
8. IMoney Advisory
   1. Step 1: Welcome & Loan Type Selection Chatbot: Welcome to iMoney! 👋 Let’s find your best loan options. What type of loan are you applying for?
      1. Personal Loan
         1. Yes
            1. Step 2: Employment & Income Details Chatbot: Got it! Let’s start with your income details. What’s your employment type?
            2. Salaried Employee
            3. Yes
            4. Chatbot: Please share your monthly gross income (before deductions): (Numeric Input Field with RM prefix)
            5. salary
            6. Basic =ask monthly fix income
            7. Basic + Veriable = ask average 6 month income
            8. Basic + Veriable + comm = ask average 6 month income
            9. Yes
            10. Basic - RM1500
            11. Veriable+ comm RM1500
            12. Yes
            13. Step 3: Credit Health Check Chatbot: Thank you! To check your credit health, we need your IC number for instant CCRIS/CTOS screening. Your data is secured via AES-256 encryption. Please provide your IC number: (Text Input Field) User:
            14. User : 811015145505
            15. Chatbot: Please upload a clear copy of your IC for verification: (📎 File Upload Button or direct take picture)
            16. User upload done
            17. Chatbot: 🔒 IC verified! Running pre-screening... ⏳ This will take 15 seconds. Step 4: Screening Results & Advisory Offer Chatbot (after 15 sec): 🚨 Screening Results: - CCRIS: Active record (RM9,096 outstanding) - CTOS: No litigation - NDI: Insufficient for bank loans Unfortunately, you’re not eligible for bank loans at this time. However, iMoney Advisory can help: ✔️ Match 2 non-bank lenders ✔️ Provide step-by-step application guides ⚠️ Service Fee: RM300 (RM300 is non-refundable (if lenders approve but user decline the loan ))
            18. Would you like to proceed?
            19. (✅ Yes, Pay RM300
            20. Step 5: Payment & Referrals User: ✅ Yes, Pay RM300
            21. Chatbot: Please pay via this secure link (expires in 1 hour): <a href="#payment">Pay via Visa/TnG/FPX</a> After Payment Confirmation: ✅ Payment Received! Here are your referrals
            22. Referral 1 – TnG CIMB: 📱 <a href="#tng-link">Apply via TnG App</a> 📄 Guide: <a href="#tng-guide">Step-by-Step Screenshots</a> ℹ️ Max: RM10k | 12% p.a. | 5-year term Referral 2 – E-Micro: 🌐 <a href="#e-micro-link">Online Application</a> 📩 Email sent with lender’s direct contact
            23. Step 6: Post-Referral Follow-Up Chatbot (48hr Later): Follow-up: Did you apply with TnG/E-Micro? (✅ Yes – Approved / ✅ Yes – Rejected / ❌ No)
            24. If User Selects ✅ Yes – Rejected: Please upload rejection proof (screenshot/lender email): (📎 File Upload → Triggers RM300 waiver if valid)
            25. If ❌ No/No Response: Reminder: Your RM300 fee covers 7-day access. Upcoming deadlines: - TnG: Apply by [Date] - E-Micro: Apply by [Date]
            26. Step 7: 6-Month Follow-Up Chatbot (Auto-Trigger After 6 Months): Hi Seela! New options based on your profile: 🌟 Pre-Qualified: Aeon Gold Loan (RM15k pre-approval) Apply now & skip screening fees! (👉 <a href="#aeon-link">Check Eligibility</a>
            27. Follow-Up Logic for Non-Payment If User Doesn’t Pay RM300: Chatbot (Day 1): Hi [User Name], your payment link expires in 24 hours. Don’t miss out on your best loan options! (👉 <a href="#pay-now">Pay Now</a>) Chatbot (Day 3): Hi [User Name], we noticed you haven’t paid yet. Your pre-screening results will expire soon. Pay now to secure your loan options! (👉 <a href="#pay-now">Pay Now</a>) Chatbot (Day 7): Hi [User Name], this is our final reminder. Your RM300 fee is now overdue, and a RM50 late fee will apply. Please pay now to avoid CTOS reporting. (👉 <a href="#pay-now">Pay Now</a>)
            28. / 📑 Read FAQ
            29. General Questions What types of loans does iMoney offer? We offer Personal Loans, Renovation Loans, and Micro Loans. Our AI chatbot will help you find the best option based on your profile. How does the AI chatbot work? The chatbot asks a few questions about your income, employment, and credit health, then matches you with the best lenders instantly. Is the service free? Basic pre-screening is free. However, our RM300 advisory fee applies if you proceed with non-bank lender referrals. Eligibility & Screening What documents do I need to apply? You’ll need your IC for verification and income proof (e.g., payslips or tax documents). Why do you need my IC? Your IC is used for identity verification and instant CCRIS/CTOS screening to match you with the best lenders. What if I don’t have a CCRIS/CTOS record? No problem! We’ll still match you with lenders who accept applicants without credit history. Can I apply if I have bad credit? Yes! We work with lenders who specialize in helping applicants with poor credit scores. Fees & Payments Why is there a RM300 advisory fee? The fee covers advanced screening, lender matching, and personalized application support for non-bank loans. Is the RM300 fee refundable? The fee is non-refundable if lenders approve your application but you decline the loan. However, we’ll waive the fee if lenders reject your application (proof required). How do I pay the RM300 fee? You can pay securely via Visa, TnG, or FPX. A payment link will be provided after you agree to proceed. What happens if I don’t pay the RM300 fee? A RM50 late fee will apply after 7 days, and unpaid fees may result in CTOS reporting and legal action. Security & Privacy Is uploading my IC safe? Yes! We use AES-256 encryption (bank-level security) to protect your data. Your IC is only used for verification and screening. Who can access my personal information? Only authorized personnel can access your data. We never share your information without your consent. Can I delete my IC copy after screening? Yes! You can request to delete your IC copy at any time by contacting our support team. Application Process How long does the screening process take? Screening takes just 15 seconds after you upload your IC. What if I’m not eligible for any loans? If you’re not eligible, we’ll provide advice on improving your credit health and notify you when new options become available. Can I apply to multiple lenders at once? Yes! Our service matches you with up to 2 lenders to maximize your approval chances. Post-Application Support What if my application is rejected? If lenders reject your application, upload the rejection proof, and we’ll waive the RM300 fee. How do I check my application status? You can log in to your iMoney account or contact our support team for updates. What if I need help with my application? Our team is here to help! You can chat with a loan specialist or refer to our step-by-step guides. Bonus: Persuasive FAQs for Hesitant Users Why should I use iMoney instead of applying directly to lenders? We save you time by matching you with lenders who fit your profile and provide expert support to avoid common application mistakes. What if I change my mind after paying the RM300 fee? The fee is non-refundable if lenders approve your application but you decline the loan. However, we’ll waive the fee if lenders reject your application. Can I trust iMoney with my personal information? Absolutely! We use bank-level encryption and strict privacy policies to protect your data. What if I don’t qualify for any loans? We’ll provide advice on improving your credit health and notify you when new options become available.
            30. / ❌ No, Exit)
            31. 5. If User Doesn’t Agree to Proceed – AI Persuasion Chatbot:
            32. We understand this is a big decision! 💡 Here’s why many users choose our advisory service: 1️⃣ **Higher Approval Chances**: We match you with lenders who fit your profile. 2️⃣ **Save Time**: No need to apply to multiple lenders manually. 3️⃣ **Avoid Mistakes**: Our guides ensure your application is error-free. Plus, if lenders reject your application, we’ll waive the RM300 fee! Still unsure? Let’s chat! <a href="#live-agent">Talk to a Loan Specialist</a>
            33. Objection 2: “I Don’t Want to Pay RM300.” Chatbot:
            34. We get it – RM300 is a commitment. But think of it as an investment: 1️⃣ **Higher Loan Amounts**: Access lenders who offer more than banks. 2️⃣ **Better Rates**: We negotiate competitive terms for you. 3️⃣ **Peace of Mind**: No guesswork – we handle the hard part. Plus, if lenders reject your application, we’ll waive the fee!
            35. Objection 3: “I’ll Just Apply Directly to Lenders.”
            36. Chatbot: You can, but here’s why our service is better: 1️⃣ **Save Time**: No need to research and compare lenders. 2️⃣ **Avoid Rejections**: We match you with lenders who fit your profile. 3️⃣ **Expert Support**: Step-by-step guides to ensure success. Why risk rejection when we can help you get approved?
            37. 3. User Asks: Why Do I Need to Pay Advisory Fees? Your Website Says No Charges! Chatbot:
            38. Thank you for pointing that out! 🙏 Our website mentions **no upfront fees for basic services**, but the RM300 advisory fee applies to: 1️⃣ **Non-Bank Lenders**: We match you with licensed lenders outside our panel. 2️⃣ **Advanced Screening**: Detailed CCRIS/CTOS analysis and lender matching. 3️⃣ **Personalized Support**: Step-by-step guides and application assistance. This fee ensures you get the best options tailored to your profile. Still have questions? <a href="#fee-details">See our fee breakdown</a>.
            39. 4. If User Doesn’t Reply – AI Follow-Up Logic Chatbot (Daily Follow-Up): Hi [User Name], just a friendly reminder! You’re one step away from finding your best loan options. Would you like to proceed with the RM300 advisory service? (✅ Yes, Let’s Go! / 📑 Need More Info / ❌ Not Interested) Follow-Up Timing: Day 1: 10 AM Day 2: 3 PM Day 3: 7 PM Day 4: 11 AM Day 5: 5 PM If User Still Doesn’t Reply: Hi [User Name], this will be our final reminder. Your pre-screening results are ready, but they’ll expire in 24 hours. Don’t miss out on your best loan options! (👉 <a href="#proceed-now">Proceed Now</a>)
            40. Enhanced Responses for Common Objections Objection 1: “I’m Not Sure If I Need This Service.” Chatbot: That’s okay! Many users feel the same way. Here’s how we can help: ✔️ **Free Pre-Screening**: We’ve already checked your eligibility. ✔️ **No Obligation**: You only pay if you proceed with our referrals. ✔️ **Money-Back Guarantee**: If lenders reject your application, we’ll waive the fee. Why not give it a try?
            41. Subtopic 2
            42. screening results outcome
            43. Yes Ccris Record
            44. TNG,AEON
            45. CTOS no record
            46. TNG,AEON
            47. payment record
            48. no late - TNG,AEON,RHB
            49. Legal item
            50. No - TNG,AEON,RHB
            51. unsecured loan outstanding - RM15,603
            52. above 200k no eligible
            53. Credit card limit usage limit RM10,000 Outstanding RM5,000 usage - 50%
            54. Below 75%
            55. Total ccris commitment
            56. RM413
            57. im2u system loan eligible table
            58. AEON- RM3,115 TNG - RM10,000
            59. 2. User Asks: Is Uploading My IC Safe?
            60. Chatbot: Absolutely! 🔒 We use **AES-256 encryption** (bank-level security) to protect your IC copy. Here’s how we keep your data safe: ✔️ **Encryption**: Your IC is encrypted during upload and storage. ✔️ **Access Control**: Only authorized personnel can view your data. ✔️ **No Sharing**: We never sell or share your IC with third parties. You can also delete your IC copy after screening. Still unsure? <a href="#security-faq">Learn more about our security measures</a>.
            61. 1. User Asks: Why Do You Need My IC?
            62. Chatbot: Great question! 🎯 Your IC is required for: 1️⃣ **Identity Verification**: To ensure your application is secure and accurate. 2️⃣ **Credit Screening**: To check your CCRIS/CTOS records instantly and match you with the best lenders. 3️⃣ **Fraud Prevention**: To protect you and us from unauthorized applications. Your data is encrypted and stored securely. We never share it without your consent. Need more details? <a href="#privacy-policy">Read our Privacy Policy</a>.
            63. Government Staff
            64. ask gross income , monthly payslip deduction amount , net income after deduction
            65. Self-Employed
            66. latest year income tax declaration
            67. Contract Worker
            68. Basic =ask monthly fix income
            69. Basic + Veriable = ask average 6 month income
            70. Basic + Veriable + comm = ask average 6 month income
            71. pure commission
            72. ask average 6 month income
            73. Commission-Based
            74. ask average 6 month income
            75. No income
      2. Renovation Loan
      3. Micro Loan
      4. (Quick Reply Buttons)
   2. Key Compliance & Legal Notes Fee Disclosure: RM300 is non-refundable (if lenders approve but user decline the loan ) Waiver only applies if lenders reject the application (proof required). Non-Payment Consequences: RM50 late fee after 7 days. CTOS trade reference (Code: IM-ADV-UNPAID). Legal action (RM300 + 8% interest + legal costs). Audit Trail: All chats, IC uploads, and rejection proofs are stored securely for 7 years.
9. FINTOS Advice Consultancy
   1. Step 1: Welcome & Loan Type Selection Chatbot: Welcome to iMoney! 👋 Let’s find your best loan options. What type of loan are you applying for?
      1. Personal Loan
         1. Yes
            1. Step 2: Employment & Income Details Chatbot: Got it! Let’s start with your income details. What’s your employment type?
            2. Salaried Employee
            3. Yes
            4. Chatbot: Please share your monthly gross income (before deductions): (Numeric Input Field with RM prefix)
            5. salary
            6. Basic =ask monthly fix income
            7. Basic + Veriable = ask average 6 month income
            8. Basic + Veriable + comm = ask average 6 month income
            9. Yes
            10. Basic - RM1500
            11. Veriable+ comm RM1500
            12. Yes
            13. Step 3: Credit Health Check Chatbot: Thank you! To check your credit health, we need your IC number for instant CCRIS/CTOS screening. Your data is secured via AES-256 encryption. Please provide your IC number: (Text Input Field) User:
            14. User : 811015145505
            15. Chatbot: Please upload a clear copy of your IC for verification: (📎 File Upload Button or direct take picture)
            16. User upload done
            17. Step 4: Screening Results & Advisory Offer Chatbot (after 15 sec): 🚨 Screening Results: - Payment Record: Late payments (up to 3 months), restructured loan (status ‘C’) - Legal Item: Yes (not bank eligible) Unfortunately, you’re not eligible for bank loans at this time due to your legal item and payment record. However, iMoney Advisory can help! We’ll connect you with **Fintos Advice Consultancy**, a trusted partner specializing in: ✔️ Debt Restructuring Strategies ✔️ Credit Record Cleanup ✔️ Financial Coaching Their experts will guide you to improve your credit health and re-qualify for bank loans in the future.
            18. Would you like to proceed?
            19. (✅ Yes, Contact Me
            20. Chatbot: Great! Your case has been assigned to **Veanne Lim**, a senior financial coach at Fintos. Veanne’s Profile: 👩‍💼 **Veanne Lim** - 10+ years of experience in debt restructuring - Specializes in credit repair and financial planning - Contact: 012-222 2222 Veanne will call you within 24 hours to discuss your situation. In the meantime, you can learn more about Fintos here: <a href="#fintos-info">Fintos Background</a>.
            21. 📑 Learn More About Fintos
            22. Chatbot: Fintos Advice Consultancy is a licensed financial advisory firm specializing in: 1️⃣ **Debt Restructuring**: Tailored plans to manage and reduce debt. 2️⃣ **Credit Repair**: Strategies to improve your credit score. 3️⃣ **Financial Coaching**: Personalized advice to achieve financial stability. Their team has helped thousands of clients重新 qualify for bank loans and regain financial freedom. Would you like Fintos to contact you?
            23. ❌ No, Not Interested)
            24. Chatbot: No problem! If you change your mind, Fintos is here to help. In the meantime, here are some resources to improve your credit health: 📚 <a href="#credit-tips">5 Tips to Improve Your Credit Score</a> 📞 <a href="#akpk">Free AKPK Consultation</a> We’ll check back in 6 months to see if your situation has improved.
            25. 4. If User Doesn’t Reply – AI Follow-Up Logic Chatbot (Daily Follow-Up): Hi [User Name], just a friendly reminder! You’re one step away from finding your best financial advisory service? (✅ Yes, Let’s Go! / 📑 Need More Info / ❌ Not Interested) Follow-Up Timing: Day 1: 10 AM Day 2: 3 PM Day 3: 7 PM Day 4: 11 AM Day 5: 5 PM
            26. Chatbot: Don’t let debt control your life. Take the first step towards financial freedom today. Would you like Fintos to contact you for a free consultation? (✅ Yes, Contact Me / 📑 Learn More About Fintos / ❌ No, Not Interested)
            27. If User Doesn’t Reply: Chatbot (Day 1): Hi [User Name], we noticed you haven’t responded. Ignoring your debt problems can lead to serious consequences. Let Fintos help you take control of your finances. Would you like to proceed? (✅ Yes, Contact Me / 📑 Learn More About Fintos / ❌ No, Not Interested)
            28. Chatbot (Day 3): Hi [User Name], this is a friendly reminder. The longer you wait, the harder it will be to resolve your debt. Fintos can help you avoid bankruptcy and rebuild your financial health. Would you like to proceed? (✅ Yes, Contact Me / 📑 Learn More About Fintos / ❌ No, Not Interested
            29. Chatbot (Day 7): Hi [User Name], this will be our final reminder. Don’t let debt ruin your future. Fintos is here to help you turn things around. Would you like to proceed? (✅ Yes, Contact Me / 📑 Learn More About Fintos / ❌ No, Not Interested)
            30. Key Benefits of Resolving Debt with Fintos Avoid Bankruptcy: Protect your job and future opportunities. Regain Financial Stability: Restructure debt into manageable payments. Save Money: Lower interest rates through debt consolidation. Improve Credit Score: Rebuild your credit health for future loans. Peace of Mind: Reduce stress and regain control of your life.
            31. screening results outcome
            32. No Ccris Record
            33. TNG,AEON
            34. CTOS no record
            35. TNG,AEON
            36. payment record
            37. 1.ccris bad payment record up to '3' month 2. status 'C' under restructure loan .
            38. Legal item
            39. YES - not bank eligible
            40. unsecured loan outstanding - RM19,591
            41. above 200k no eligible
            42. Credit card limit usage limit RM0 Outstanding RM0 usage - 0%
            43. Below 75%
            44. Total ccris commitment
            45. RM489
            46. im2u system loan eligible table
            47. based on fail score to all bank , eligible table will fail to apply .
            48. 2. User Asks: Is Uploading My IC Safe?
            49. Chatbot: Absolutely! 🔒 We use **AES-256 encryption** (bank-level security) to protect your IC copy. Here’s how we keep your data safe: ✔️ **Encryption**: Your IC is encrypted during upload and storage. ✔️ **Access Control**: Only authorized personnel can view your data. ✔️ **No Sharing**: We never sell or share your IC with third parties. You can also delete your IC copy after screening. Still unsure? <a href="#security-faq">Learn more about our security measures</a>.
            50. 1. User Asks: Why Do You Need My IC?
            51. Chatbot: Great question! 🎯 Your IC is required for: 1️⃣ **Identity Verification**: To ensure your application is secure and accurate. 2️⃣ **Credit Screening**: To check your CCRIS/CTOS records instantly and match you with the best lenders. 3️⃣ **Fraud Prevention**: To protect you and us from unauthorized applications. Your data is encrypted and stored securely. We never share it without your consent. Need more details? <a href="#privacy-policy">Read our Privacy Policy</a>.
            52. Government Staff
            53. ask gross income , monthly payslip deduction amount , net income after deduction
            54. Self-Employed
            55. latest year income tax declaration
            56. Contract Worker
            57. Basic =ask monthly fix income
            58. Basic + Veriable = ask average 6 month income
            59. Basic + Veriable + comm = ask average 6 month income
            60. pure commission
            61. ask average 6 month income
            62. Commission-Based
            63. ask average 6 month income
            64. No income
      2. Renovation Loan
      3. Micro Loan
      4. (Quick Reply Buttons)