PFCT (PFCTechnologies) said on Jan. 7 it will additionally supply SBI Savings Bank with Lab, a strategy analysis solution in its AIRPACK AI risk management solution package.

SBI Savings Bank first introduced AIRPACK's first product, an AI credit scoring model, in May 2024. It decided in October 2025 to adopt AIRPACK-Lab. PFCT carried out customised development for SBI Savings Bank and has now completed the formal rollout.

AIRPACK, PFCT's AI risk management solution package supplied to financial institutions at home and abroad, consists of 3 products: Lab, Studio and Insight.

Lab provides an AI strategy analysis environment that allows in-house risk managers at financial companies to directly analyse large volumes of data, adjust variables and algorithms, and verify in real time the effectiveness of loan approval strategies.

SBI Savings Bank plans to push ahead in earnest with AX (AI Transformation) through the introduction of the solution. Using AIRPACK-Lab, it aims to improve the efficiency and effectiveness of management by linking the entire credit risk management process, from approval, operation and analysis to strategy changes for credit loans, to an AI-based management tool, including monitoring delinquency occurrences, analysing characteristics of delinquent customers, analysing the impact of strategy changes, and adjusting loan approval strategies.

An SBI Savings Bank official said the introduction of AIRPACK-Lab was meaningful in that it went beyond using an AI credit scoring model and set up an AI financial strategy laboratory that allows the bank to design and verify risk management strategies internally. The official added it is expected to help its risk managers respond more quickly to changes in the market environment and customer characteristics and advance an AI-based risk management system.

PFCT CEO Soo-hwan Lee said PFCT began working with SBI Savings Bank in 2024 and has jointly considered methodologies for internalising AI technology management capabilities using its solutions. He said PFCT will continue to advance its solution products so that AI risk management systems can be further developed to fit the actual work environments of each customer financial company.