Advanced Merchant Payments (AMP), with offices in Hong Kong, the United Kingdom, Singapore and the Philippines enables banks and other financial institutions to profitably offer short-term unsecured loans to under-served small businesses in both developed and emerging markets. By utilizing AMP’s end-to-end solution, banks can address the credit gap that micro, small- and medium-sized enterprises face with an “alternative lending” offering that is complementary to existing product sets – while minimizing costs or development efforts. AMP’s patented platform leverages principles from micro-finance, payment processing, data analytics and predictive modeling – together with more traditional loan underwriting principles – to originate and service loans across countries, currencies and banking systems with cost efficiency.