1. chatbot flow
    1. Telesales 60392120945
      1. siti - Active
      2. finaz
      3. laili
    2. IC
    3. IC skip
    4. Manual whatapp
    5. Loan application history
    6. employment detail
    7. IC upload
    8. screening results
      1. Panel
        1. PL
          1. RHB
          2. income type
          3. income range
          4. ALB
          5. Al Raj
          6. E-Mirco
          7. upload excel to chatbot
          8. Below 2k wa.me/60175230126 phone whatapp first
          9. Dear xxx Hello! I am your iMoney SmartAI assistant, here to assist you in finding the most suitable loan options. We received your personal loan application on May 9, 2025. After reviewing your profile, I regret to inform you that your score falls below the required threshold, resulting in a failure to meet the standard financing screening criteria. Your gross income is RMxxx, and your Debt Service Ratio (DSR) is xx%, which does not align with the bank's eligibility requirements. However, there is no need for concern; you still have a second opportunity through our affiliate partner: Option 1: E-Micro Max: Loan amount of RM10,000 with an interest rate of 18%, and a tenure of up to 24 months. Please Reply 'Yes' Continue next step :
          10. Yes - select e-micro bot send whatapp
          11. Would you like to proceed and explore these available options? Please respond with one of the following choices: 1️⃣ Proceed with E-Micro ❌ No — not interested Thank you for choosing us! We look forward to assisting you further.
          12. what is your expectation loan amount?
          13. ✅ Great! You're ready for the next step. Please click the link below to continue your application securely with our partner, E-Micro: ⚠️ Make sure to complete the next step right after clicking the link. It only takes a few minutes!
          14. Generate E-Micro Link
          15. Your E-Micro Link is: https://m.emicro.my/?fromid=10055
          16. 📣 Final Step – Thanks for clicking the link to continue your application with E-Micro! 📞 E-Micro will try to contact you up to 5 times within the next 3 business days to verify and complete your loan application. ✅ To avoid delays or rejection, please make sure to answer their call — it’s an important part of the approval process. We’re rooting for your successful application! 💪
          17. No
          18. Other option
          19. Panel
          20. NON panel Manual flow
          21. We’ll now refer you to Fintos Advice Consultancy, our official advisory partner specializing in financial health improvement and debt resolution. 👉 Click the link to visit their Facebook page and learn more: https://www.facebook.com/fintosadvice Please Reply ' Yes proceed ' continue next step
          22. FAQ
          23. Instalment
          24. If NO
          25. Thank you for your time, xxx. If you change your mind, feel free to contact us again for a free screening anytime. We’re always here to support your financial journey.
          26. income 3k-5k
          27. Dear [Customer Name], Hello! 👋 I’m your iMoney SmartAI assistant, here to help you find the most suitable loan options. We’ve received your personal loan application on May 9, 2025. After reviewing your profile, I regret to inform you that your score falls below the required threshold, and you did not meet the standard financing screening criteria. Your Debt Service Ratio (DSR) is currently [XX]%, which does not align with the bank's eligibility requirements. But no worries — you still have a second opportunity through our trusted affiliate partners: Would you like to proceed with one of the options above? Please reply: Yes — to continue to the next step No — to exit We’re here to support you every step of the way!
          28. Yes
          29. ✅ Option 1: E-Micro Max Loan Amount: RM10,000 Interest Rate: 18% Tenure: Up to 24 months ✅ Option 2: Fintos Advice Consultancy Customized loan planning support Can assist with applying for loans up to RM50,000 Higher approval chance, even with stricter bank conditions
          30. emicro
          31. Yes - select e-micro bot send whatapp
          32. Would you like to proceed and explore these available options? Please respond with one of the following choices: 1️⃣ Proceed with E-Micro ❌ No — not interested Thank you for choosing us! We look forward to assisting you further.
          33. what is your expectation loan amount?
          34. ✅ Great! You're ready for the next step. Please click the link below to continue your application securely with our partner, E-Micro: ⚠️ Make sure to complete the next step right after clicking the link. It only takes a few minutes!
          35. Generate E-Micro Link
          36. Your E-Micro Link is: https://m.emicro.my/?fromid=10055
          37. 📣 Final Step – Thanks for clicking the link to continue your application with E-Micro! 📞 E-Micro will try to contact you up to 5 times within the next 3 business days to verify and complete your loan application. ✅ To avoid delays or rejection, please make sure to answer their call — it’s an important part of the approval process. We’re rooting for your successful application! 💪
          38. No
          39. Other option
          40. Panel
          41. NON panel Manual flow
          42. We’ll now refer you to Fintos Advice Consultancy, our official advisory partner specializing in financial health improvement and debt resolution. 👉 Click the link to visit their Facebook page and learn more: https://www.facebook.com/fintosadvice Please Reply ' Yes proceed ' continue next step
          43. FAQ
          44. Instalment
          45. fintos
          46. below 2k - 3k
        2. CC
          1. OCBC
      2. Non Panel
        1. Aeon credit
          1. Below 2k wa.me/60175230126 phone whatapp first
          2. Welcome to Fintos Advice Consultancy We are Fintos Advice, your trusted partner in financial solutions. When banks say “no,” we help turn that into a “yes”! 💼 What We Do We specialize in: Debt Resolution: We help you solve issues with rejected loan applications. Loan Restructuring: We advise on how to improve your loan eligibility. Financial Advisory: Get expert advice on managing your credit, improving your approval chances, and finding the best financial products for your needs. 🤝 Why Choose Us? ✅ High Success Rate: We’ve helped 1,000+ customers get approved after rejection. ✅ Tailored Solutions: Every customer is unique—we create a plan just for you. ✅ Fast & Easy: Our AI + human advisor team works quickly to guide you step by step. Please reply " Yes " continue next step
          3. Yes - select advisory bot send whatapp
          4. FINTOS Advice can assist to: ✔️ Match you with at least 1 non-panel lender ✔️ Provide step-by-step application guidance ⚠️ Service Fee: RM300 (non-refundable if lenders approve the loan but the applicant chooses to decline) Would you like to proceed?
          5. Alternative Referral Options We still have alternative non-panel bank referrals for you: Interest rates up to 18% per annum Up to 5-year installment plans Maximum loan amount: RM15,000 No upfront charges – you only pay our service fee after loan is approved Please reply: “Agreed to proceed” to continue to the next step.
          6. Client Decline
          7. If NO
          8. Manual return thank you msg
      3. FINTOS
        1. Intro
        2. Service
        3. FAQ
        4. Dear Sharon Saibi, Hello! 👋 I’m your iMoney SmartAI Assistant, here to help you find the most suitable loan options. We’ve received your RHB Personal Loan application on May 8, 2025 at 3:08 PM. 📋 Screening Status: Based on our review, your credit profile is less than 1 year old, which may limit the chances of approval for your current application. To improve your approval opportunity, we recommend the following: Option A: Micro Loan Option B: Advisory Solution Let us know how you'd like to proceed — we’re here to assist you further!
          1. option B
          2. 🤖 iMoney SmartAI Assistant: ✅ Great choice! You’ve selected Advisory Solution. 🎯 What to expect: We’ll assess your financial situation Partner you with trusted advisors Recommend the best path to improve your approval chances 💰 Fair & Transparent Fees: Clear advisory pricing with no hidden charges Ready to get started? Make an appointment with advisor Thanks but not to proceed
          3. Welcome to Fintos Advice Consultancy We are Fintos Advice, your trusted partner in financial solutions. When banks say “no,” we help turn that into a “yes”! 💼 What We Do We specialize in: Debt Resolution: We help you solve issues with rejected loan applications. Loan Restructuring: We advise on how to improve your loan eligibility. Financial Advisory: Get expert advice on managing your credit, improving your approval chances, and finding the best financial products for your needs. 🤝 Why Choose Us? ✅ High Success Rate: We’ve helped 1,000+ customers get approved after rejection. ✅ Tailored Solutions: Every customer is unique—we create a plan just for you. ✅ Fast & Easy: Our AI + human advisor team works quickly to guide you step by step. Please reply " Yes " continue next step
          4. CITI
          5. income 5k - 10k
          6. michelle
          7. income pl 5k above
          8. company name : FG Advisory Sdn Bhd FG Advisory company write-up : We are a professional team of financial experts. Our mission is to provide the best possible financial solutions for small and medium-sized businesses, as well as individuals. We specialize in small business loans, personal loans, property loans including refinancing, and property mortgages. We also help thousands of Malaysian customers who have financial difficulties manage their financial profiles. Services provided : 1) Personal Financing 2) CCRISS & CTOS service 3) Financial Profile Analysis 4) Housing Mortgage FG Advisory SOP of work with the client : 1) First of all, you can reach out to our financial consultant via email, WhatsApp, message, or even a call. 2) Upon completion of the in-depth interview and analysis, our financial consultant will begin to construct a proposal that includes the best solution which may comprise of existing bank products to suit your personal needs. 3) Upon agreement of the proposed solutions and goals, our financial consultant will help the client to submit the application of the selected solution (along with applicable documents) to the respective banks/institutions. 4) As soon as the solution is approved, the client can start enjoying lower interest rates for their loans and aim towards achieving a debt-free status within the desired time frame.
          9. first home
          10. match - income 2800 - 5k