V Gallant’s Fintech Partner Credilab Secures Full Online Lending Approval in Malaysia, Advancing Revenue-Share AI Lending Platform

V Gallant Limited (“V Gallant”, or the “Company”), the AI and technology infrastructure arm of VCI Global Limited (NASDAQ: VCIG) (“VCI Global”), today announced that its fintech partner, Credilab Sdn Bhd (“Credilab”) has received approval to operate as a fully online lending platform in Malaysia.

The approval advances the commercialization of V Gallant’s AI-powered lending infrastructure through an exclusive fintech AI automation partnership established earlier this quarter. Under the partnership, V Gallant will provide AI infrastructure, intelligent workflow automation, and operating-system capabilities to support Credilab’s digital lending operations.

The collaboration includes a revenue-share arrangement that aligns V Gallant’s participation with platform activity and utilization, subject to applicable commercial terms, regulatory requirements, and compliance obligations.

Prior to receiving its full online lending approval, Credilab had already established an operating lending business, including a loan portfolio of approximately US$37.1 million (RM150.9 million). Management believes the approval enables Credilab to pursue a more scalable digital-first lending model supported by V Gallant’s AI automation infrastructure.

Upon launch, the platform aims to provide eligible borrowers with a streamlined lending experience, with loan approval and disbursement targeted in as little as five minutes, subject to identity verification, underwriting, risk assessment, compliance reviews, banking infrastructure, and applicable regulatory requirements.

The initiative also reflects VCI Global’s broader OPC (One Person Company) strategy, which leverages AI agents, workflow automation, and digital infrastructure to help organizations operate more efficiently while maintaining appropriate governance, compliance oversight, and risk controls.

According to Cognitive Market Research, the global Digital Lending Platform market is projected to reach approximately US$12.8 billion by 2033, reflecting a compound annual growth rate of 25.5% from 2025 to 2033. Management believes growing adoption of digital payments, mobile-first financial services, embedded finance solutions and AI-enabled credit technologies continues to drive the evolution of digital lending across Southeast Asia.

“Credilab’s full online lending approval is an important milestone that enables the next phase of our collaboration,” said Audrey Liu, Chief Executive Officer of V Gallant Limited. “With the regulatory approval now in place, we are positioned to deploy our AI infrastructure and automation capabilities to support key lending functions, including customer onboarding, underwriting support, workflow automation, servicing, and portfolio management.”

“This partnership represents a practical application of our AI technology within a regulated financial services environment,” management added. “Through the revenue-share structure, we can align our technology participation with platform activity while demonstrating how AI-driven automation can help improve operational efficiency, accelerate processing workflows, and enhance the overall borrower experience.”

Following launch in Malaysia, Credilab intends to evaluate additional product offerings and market opportunities, while V Gallant intends to explore broader applications of its AI infrastructure across selected industries and Southeast Asian markets, subject to regulatory requirements, commercial arrangements, and market conditions.

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