Bettr, a key financial services and technology business under Ant International, has introduced a new suite of tailored, one-stop credit technology solutions aimed at helping digital platforms build and scale lending services for micro, small, and medium enterprises (MSMEs) in emerging markets. The launch reflects Bettr’s mission to close the widening financing gap for small businesses and make credit access more inclusive across fast-growing digital ecosystems.
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These new tools arrive at a time when demand is surging. By the end of October 2025, Bettr’s credit tech solutions had already enabled more than 30 million customers to access credit through its partner platforms—three times more than the previous year. MSMEs, in particular, are driving that momentum, especially as more global and local digital platforms expand in emerging markets and seek better ways to support merchants operating within their ecosystems.
With an estimated US$8 trillion MSME financing gap in emerging and developing economies, the need for scalable, data-driven credit infrastructure has never been greater. Bettr is addressing this through a full suite of SaaS, RaaS, and DaaS offerings that help partners at every stage of their credit expansion—from starting operations to executing sophisticated, growth-ready strategies.
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A core strength of the platform lies in its alternative data intelligence. By transforming fragmented, local data into actionable credit insights, Bettr helps lenders build accurate risk profiles through advanced AI techniques, including machine learning, neural networks, large language models, and heterogeneous network analysis. Its AI-powered Alternative Credit Engine allows partners to craft credit policies within minutes using drag-and-drop modules, cutting deployment times from weeks to near-instant.
Bettr is also developing AI agents capable of supporting risk assessment, fraud detection, and personalized customer service, giving platforms the ability to deliver more responsive and inclusive credit experiences for MSMEs.
The official launch coincides with an expansion of Bettr’s partnership with Dock, one of Brazil’s leading payments and banking technology providers. The collaboration will begin in Brazil and gradually extend across Latin America through Dock’s network of over 400 banks and fintech partners. Together, the companies aim to empower millions of entrepreneurs—from artisans to small retailers—with the financing they need to grow.
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Dock CEO Antonio Soares emphasized the transformative potential of this partnership, noting that every small business owner with a bold idea needs access to fair and efficient capital. Meanwhile, Ant International’s Quan Yu highlighted the global opportunity ahead, noting that emerging markets are driving worldwide growth and that MSMEs need the right technology and support to unlock their full potential. With Bettr’s expanding credit tech infrastructure, that vision is becoming more attainable across more than 20 markets worldwide.
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