Oriente is a Hong Kong-based fintech startup that aims to empower underserved communities and merchants by providing them with financial tools, data, and financing opportunities. The company operates in markets where a large number of consumers and businesses are undervalued, and it uses artificial intelligence and machine learning to offer fintech solutions both offline and online.

Oriente's business model revolves around three main ventures. The first is a mobile app that provides unbanked and underserved customers and micro-entrepreneurs with access to credit and offline-online (O2O) financing on-demand. This is achieved by analyzing hundreds of alternative data points to assess creditworthiness. The second venture is a consumer lending mobile app that offers underbanked consumers and micro, small, and medium enterprises (MSMEs) secure and convenient financing solutions. The third venture is a mobile-app-based platform that extends financial access to consumers and provides growth solutions to merchant partners.

Oriente operates in the rapidly growing fintech market in Asia, where there is a large unbanked population and a rising digital consumer base. The company's subsidiary, Cashalo, is a consumer finance platform in the Philippines that provides access to credit both offline and online. Oriente is also a key player in the Buy Now Pay Later (BNPL) market in Asia Pacific, which is expected to grow exponentially in the coming years.

In summary, Oriente is a fintech startup that uses AI and machine learning to provide financial services to underserved communities and businesses in Asia. The company makes money by offering credit and financing solutions through its mobile apps.

Keywords: Fintech, Credit Access, Underserved Communities, MSMEs, Artificial Intelligence, Machine Learning, Mobile Apps, Offline-Online Financing, Consumer Lending, Buy Now Pay Later.