Media OutReach
Pak Tak Credit Pioneers FinTech “No-Trace Loan Query” System —— Committing to Zero Credit Rating Impact, Redefining Tier-1 Financial Standards with “Technology + Empathetic Service”
This milestone innovation is specifically engineered to address a critical pain point in the traditional lending market: the compromise of a client’s credit rating (TransUnion/TU score) with every single financing inquiry. By leveraging cutting-edge financial technology to streamline processes and combining it with “1-on-1 empathetic, human-centric service,” Pak Tak Credit enables Hong Kong citizens and SME owners seeking a premium financing experience to explore optimal financial solutions with zero burden and zero risk. The company firmly states that rather than engaging in blind interest rate price wars, it will redefine the service benchmarks for tier-1 financial companies through its core values of “integrity, absolute confidentiality, and a premium client experience.”
Addressing Market Pain Points: Traditional Inquiries Penalize Credit Health
In today’s complex and volatile economic environment, maintaining an excellent credit rating is paramount to securing financing, whether for personal wealth planning, property mortgages, or enterprise working capital. However, market observations reveal that traditional financial institutions or banks frequently perform a “Hard Inquiry” on a client’s credit bureau profile during the preliminary inquiry or quotation stage.
This conventional approach leaves a permanent footprint on the client’s credit report. When clients attempt to shop around and compare rates across multiple institutions within a short period, these inquiries accumulate rapidly, leading to a sharp decline in their credit score (commonly known as a “damaged credit profile”). This not only erodes the credit health that clients have meticulously maintained over the years but can also severely jeopardize future bank mortgage approvals or commercial loan applications.
Pak Tak Credit firmly believes that a tier-1 brand’s duty lies in prioritizing the client’s peace of mind and anticipating their needs. The newly introduced “No-Trace Loan Query” system dismantles these traditional barriers. By utilizing advanced financial technology to conduct “Soft Evaluations,” clients can obtain highly accurate credit evaluations and interest rate proposals with absolutely zero impact on their credit ratings and full peace of mind.
Technical Analysis: What is the FinTech “No-Trace” Soft Evaluation Mechanism?
Unlike traditional institutions that immediately request a formal credit report at the outset, Pak Tak Credit’s “No-Trace Loan Query” system utilizes an advanced big data risk control model. During the preliminary evaluation and pre-approval stage, the system only conducts a “Soft Inquiry” using partial information authorized by the client alongside proprietary internal algorithms.
The distinct advantage of this mechanism is twofold: it empowers the risk management team to accurately assess repayment capabilities and deliver genuine quotes, while guaranteeing that absolutely no footprint visible to other financial institutions is left on the individual’s TransUnion (TU) report. In other words, whether or not the client ultimately proceeds with the application or accepts the approved credit line, their credit rating remains 100% intact and perfectly protected.
Four Core Advantages: Smart Big Data Fused with Personalized Human Service
The launch of this new service represents more than just a technological upgrade; it is a revolution in “human-centric” financial experience, featuring four key pillars:
- “No-Trace” Soft Inquiries to Safeguard Credit Assets: We guarantee zero adverse impact on the client’s credit rating during the preliminary consultation and pre-approval phases, making the process of exploring financing options as worry-free as online shopping.
- Big Data Intelligent Pre-Approval for Instant Quoting: By integrating modern FinTech, clients simply input basic information online. The system automatically performs a multi-dimensional risk assessment, bypassing the traditional, tedious submission of preliminary documents to deliver instant reference credit lines, significantly accelerating capital turnover.
- Rejecting Cold AI Responses for 1-on-1 Empathetic Service: Pak Tak Credit firmly believes that while technology drives efficiency, the core of financial service remains human connection and understanding. We refuse to rely solely on cold, automated responses. Every client inquiring through the system is assigned an experienced, dedicated account manager for “1-on-1 personalized follow-up,” crafting the most flexible and customized repayment structures tailored to the client’s true circumstances and pain points.
- Ultimate Privacy Protection to Eliminate Industry Nuisances: The dignity of a tier-1 institution is built upon its respect for clients. Pak Tak Credit strictly enforces the highest standards of data encryption and privacy protection regulations. We pledge that all inquiry data is strictly restricted to internal evaluation purposes, will never be disclosed to third parties, and completely eliminates any form of telemarketing nuisance, restoring financial experiences to true prestige and confidentiality.
Application Scenarios: Meeting Diversified High-Value Asset Allocation Demands
This system upgrade comprehensively strengthens support for large-scale financing scenarios, precisely covering premium client segments:
- Property Owners & Investors: Prior to initiating property first mortgages, second mortgages, or refinancing for cash-out purposes, owners can utilize the no-trace system to evaluate property appreciation space and loan-to-value ratios without affecting subsequent bank mortgage refinancing approvals.
- SME Owners & Startup Founders: Facing market operational turnovers, short-term payroll obligations, or expansion needs, business owners can rapidly test large commercial loan approval limits without jeopardizing their personal credit lines.
- High-Net-Worth Individuals: For clients possessing diversified asset portfolios (such as precious metals or marketable securities), we provide professional, customized financing consultations featuring cross-asset synergy.
Strategic Vision: Winning the Market Through Integrity and Professionalism over Price Wars
Financial experts at Pak Tak Credit point out that the Hong Kong lending market is currently flooded with promotional slogans advertising “exceptionally low interest rates.” However, such schemes often conceal hidden handling fees, expensive consulting charges, or highly restrictive application thresholds that are practically unattainable for average applicants.
Pak Tak Credit refuses to engage in blind, malicious low-price competition. We deeply believe that true “tier-1 service” is anchored in absolute transparency of fees and the impeccable integrity and compliance of the process. Through “No-Trace Queries,” savvy borrowers no longer need to run into walls or risk a drop in their credit scores just to “test” the market. They can clearly understand their financial capabilities in the safest and most respected environment, enabling them to make the most rational wealth decisions.
Conclusion: Doing Our Duty, Standing as Your Most Reliable Financial Anchor
Financial service is more than the circulation of capital; it is a long-term commitment built on a foundation of trust. Pak Tak Credit’s brand-new FinTech “No-Trace Loan Query” System is dedicated to providing the most professional and dependable backing for every Hong Konger who pursues high efficiency, intelligence, and values privacy. Experience true tier-1 financial services starting today—begin with a no-trace query and secure your financial future with complete peace of mind.
Hashtag: #PakTakCredit
The issuer is solely responsible for the content of this announcement.
About Pak Tak Credit
Headquartered in Hong Kong, Pak Tak Credit is a leading professional licensed money lender in the region. The company consistently adheres to the principles of compliance, transparency, and integrity, operating strictly under the regulatory oversight of the Money Lenders Ordinance of Hong Kong to guarantee a fair and transparent transaction environment. Armed with exceptional financial technology (FinTech) capabilities and deep industry experience, Pak Tak Credit specializes in delivering property financing, large-scale commercial loans, and customized multi-asset financing solutions for individuals and SMEs. Rejecting malicious low-price competition within the industry, we steadfastly uphold “doing our duty, providing top-tier service, and ensuring ultimate confidentiality” as our core mission, striving to become the most trusted tier-1 financial partner for Hong Kong citizens and business owners alike.
Graduate salary data provides useful guidance, but it should not be read in isolation. Starting salary is one indicator of return on investment. It should be considered alongside employment rates, full-time permanent employment, industry pathways, career support, programme fit and long-term skills relevance.
For students considering Singapore Institute of Management Global Education (SIM GE), SIM’s Graduate Outcome & Employability page provides a reference point for understanding graduate outcomes. The page explains how SIM graduates have performed in the Private Education Institution Graduate Employment Survey (PEI GES), where they have worked, and how SIM supports students in building career readiness.
Why the PEI Graduate Employment Survey matters
For students considering private education pathways, the PEI Graduate Employment Survey (GES) is an important reference because it provides employment and salary outcomes for graduates from registered private education institutions.
The 2024/2025 PEI GES focused on economically active fresh graduates who graduated between May 2024 and April 2025 from full-time Bachelor’s level External Degree Programmes. The survey covered about 6,150 full-time graduates across 26 private education institutions, with a response rate of 61.6 per cent, and was conducted from October 2025 to January 2026.
Among 2,600 economically active PEI fresh graduate respondents in the labour force, 78.9 per cent secured employment within six months of graduation. The median gross monthly salary for PEI fresh graduates in full-time permanent employment remained stable at S$3,500.
This makes the PEI GES useful for students and parents who want to compare graduate outcomes within the private education sector. It also allows SIM’s graduate outcome data to be read against a broader PEI sector benchmark.
What SIM graduate outcome data shows
SIM’s Graduate Outcome & Employability page reports that SIM fresh graduate respondents recorded 81.0 per cent secured employment, 77.9 per cent currently employed, 47.0 per cent in full-time permanent employment and a median gross monthly salary of S$3,565. The page attributes these figures to Skills & Workforce Development Agency 2024/2025 PEI GES.
| Indicator | SIM | Avg of All PEI (include SIM) |
| Secured employment | 81.0% | 78.9% |
| Full-time permanent employment | 47.0% | 46.9% |
| Median gross monthly salary | S$3,565 | S$3,500 |
This comparison places SIM’s graduate outcomes at the top spectrum of the PEI sector. It also shows why employability should be assessed through more than one indicator. Secured employment, full-time permanent employment and median gross monthly salary each provide a different view of graduate outcomes.
Secured employment indicates whether graduates entered work, accepted job offers or were taking steps to start a business venture. Full-time permanent employment provides a view of stable employment. Median gross monthly salary shows the middle salary point among full-time permanently employed graduates.
Where SIM graduates have worked
SIM graduates have entered a range of sectors, including aviation, aerospace and engineering, airline and tourism, banking and financial services, information and communications technology, cybersecurity, insurance, consumer services, public sector and government, consulting and professional services, healthcare, logistics, transportation, retail and manufacturing.
These employer destinations are relevant because students are not only selecting a degree. They are also considering possible pathways into industries, job functions and future career options. A business-related pathway may support roles in banking, consulting, retail, logistics or entrepreneurship. A technology-related pathway may lead to opportunities in information and communications technology, cybersecurity, data, digital services or business technology roles.
How students should compare salary, employability and ROI
A practical approach to comparing degree options is to consider four areas: relevance, return, readiness and resilience.
| Factor | What to consider |
| Relevance | Does the degree connect to industries that are hiring? |
| Return | What do employment and salary outcomes show? |
| Readiness | What career support, internship guidance and employer exposure are available? |
| Resilience | Can the skills support future career changes? |
This approach helps students avoid selecting a degree based only on the highest salary benchmark. While starting salary is an important consideration, long-term value also depends on whether the student can build relevant skills, gain experience and adapt to changes in the labour market.
How SIM supports employability
SIM supports students through career preparation and employer engagement, including résumé writing, interview preparation, job search guidance, career fairs, employer talks, recruitment events, internship search guidance and workshops that build communication, teamwork, problem-solving and professional confidence.
Such support is relevant to return on investment because employability is influenced not only by the qualification awarded, but also by how prepared students are to enter the workforce. Career readiness, employer exposure and workplace skills can support the transition from study to employment.
Conclusion
Graduate starting salary is an important consideration for students and parents assessing higher education options in Singapore. However, it should not be the only measure used to evaluate a degree pathway.
A more balanced assessment considers employment rates, full-time permanent employment, median gross monthly salary, industry pathways, career support and long-term skills relevance. This provides a broader view of how a higher education pathway may support employability and future career development.
When read together with the PEI Graduate Employment Survey, national salary benchmarks and SIM’s Graduate Outcome & Employability page, graduate outcome data can help students and parents make more informed decisions about salary expectations, employability and return on investment.
References
- SIM’s Graduate Outcome & Employability page – https://www.sim.edu.sg/degrees-diplomas/parent-resource-hub/graduate-outcome-employability
- SWDA PEI Graduate Employment Survey 2024/2025 – https://www.swda.gov.sg/home/skills-career-resources/private-education-resources/graduate-employment-survey/2024-2025
- Employment Outcome for PEI Graduates – https://www.swda.gov.sg/home/newsroom/employment-outcomes-for-private-education-institution-graduates-remain-stable-in-2024-2025
- SIM Career Service – https://www.sim.edu.sg/degrees-diplomas/life-at-sim/career-services
Hashtag: #SIMGlobalEducation #SIMGE #GlobalEducation #InternationalDegree #CareerReady #FutureSkills
The issuer is solely responsible for the content of this announcement.
About SIM Global Education
SIM Global Education (SIM GE) is a leading private education institution in Singapore and the region. We offer more than 140 academic programmes ranging from diplomas and graduate diploma programmes to bachelor’s and master’s degree programmes with some of the world’s most reputable universities from Australia, Canada, Europe, United Kingdom, and the United States. SIM GE’s cohort is made up of 17,000 full- and part-time students and adult learners, of which approximately 41% are international students hailing from over 50 countries.
SIM GE’s holistic learning approach and culturally diverse learning environment aim to equip students with knowledge, industry skills and employability competencies, as well as a global perspective to succeed as future leaders in a fast-changing, technologically driven world.
For more information on SIM Global Education, visit www.sim.edu.sg
Media OutReach
SBI Global Asset Management and DigiFT Launch JX, Bringing a Japanese Asset Manager’s Equity Strategy On-Chain for the First Time
The launch comes as investor attention returns to Japanese equities, supported by the Tokyo Stock Exchange’s continued push for listed companies to improve capital efficiency and demonstrate greater awareness of share-price performance. It also reflects a broader evolution in tokenization: the value of tokenized RWAs distributed on public blockchains grew from USD 5.9 billion to USD 21.9 billion globally in 2025, moving the category beyond cash-like instruments and into actively managed public-market strategies. DigiFT was an early mover in this shift, launching a tokenized U.S. equity income fund developed with BNY in January 2026. This shift is now extending directly into Japan’s own institutional market, where SBI Group has been among the country’s most active builders of on-chain financial infrastructure.
DigiFT holds Capital Markets Services and Recognised Market Operator licences from MAS, as well as Type 1 and Type 4 licences from the Hong Kong SFC – a dual regulatory standing that has made it a tokenization and distribution partner for global and regional asset managers, including UBS Asset Management, Invesco, BNY and Franklin Templeton. DigiFT’s roster now extends into Japan, through SBI GAM’s participation, adding a Japanese listed-equity strategy to that lineup for the first time. DigiFT is launching the JX Token on Solana, further expanding the availability of regulated RWAs on-chain, with ecosystem participants including Solana Company, Huma Finance and Plume.
SBI Holdings brings its own substantial on-chain track record to the collaboration. The group reported consolidated revenue of JPY 1.90 trillion for the fiscal year ended 31 March 2026, with its Crypto-asset Business segment generating JPY 89.6 billion in revenue over the same period. SBI Holdings has taken direct stakes across the region’s tokenization infrastructure, including leading a $50 million investment in Startale Group to build a blockchain purpose-built for tokenized securities, and holding a majority stake in Osaka Digital Exchange, operator of a secondary market for security tokens in Japan.
JX is structured around the underlying strategy managed by SBI AM. This authorized, manager-referenced model is critical as regulators are increasingly distinguishing tokenized securities developed with issuer or manager alignment from products that provide only indirect economic exposure. In a joint staff statement issued 28 January 2026, the U.S. SEC staff drew a formal line between issuer-sponsored tokenized securities, which can represent true ownership, and third-party products that typically offer only synthetic exposure or custodial entitlements – signalling an intent to encourage the former while curbing the spread of the latter.
Henry Zhang, Founder and Group CEO, DigiFT: “Our mission at DigiFT has always been to bring real, institutional-grade assets on-chain through infrastructure that investors and asset managers can actually trust. JX extends that mission to Japan for the first time, opening regulated, on-chain access to Japanese equities. We’re proud to build this with SBI Group, one of Japan’s most forward-looking financial institutions, and excited about what this partnership signals for the future of tokenization across the region.”
Hashtag: #DigiFT
The issuer is solely responsible for the content of this announcement.
Media OutReach
Smilegate LORDNINE Launches Pre-Registration for New Growth-Accelerated Server ‘Helena’ in Celebration of 1st Anniversary… 32,000 USDt Reward Event Underway
- Pre-registration for new server Helena opens July 14… Official launch on July 29
- Sweeping new server growth-support systems, including 50% additional EXP via Mastery Buff
- Rich rewards including a 32,000 USDt reward event, limited edition skins, and 1,111 summon tickets
SEOUL, SOUTH KOREA – EQS Newswire – 15 July 2026 – Smilegate announced on Tuesday, July 14 that pre-registration has begun for ‘Helena’, a new growth-accelerated server for the MMORPG 《LORDNINE: Infinite Class》 (developed by NX3 Games), in celebration of the game’s 1st anniversary.
Pre-registration for the new Helena server is available through the official LORDNINE page (https://l9asia.onstove.com/en), with the official launch scheduled for July 29 at 7:00 PM.
Helena is a growth-accelerated server designed to allow players to level up characters faster than on existing servers. Key features include a Mastery Buff that provides an additional 50% EXP gain and more than 40,000 ‘Fragments of Ancient Relics’ to support character progression, helping players settle in smoothly during the early stages.
To celebrate the launch of the Helena server, Smilegate has prepared a variety of events, including a 32,000 USDt reward event. Helena server users can participate in in-game attendance and mission events to obtain three Hero-grade avatars and three artifacts, as well as up to 1,111 summon tickets.
A pre-registration event will also be held. Users who sign up for pre-registration will receive a limited edition skin, and among users who refer 20 friends through the pre-registration page, a drawing will be held with winners receiving an iPhone 17 Pro.
In addition, a skin design contest will be held to celebrate the 1st anniversary. Participants can freely submit skin designs they would like to see released in LORDNINE. In-game rewards worth up to 80 million KRW are up for grabs, and notably, the grand prize-winning design will actually be released in-game.
For more information about the game, please visit the official page (https://l9asia.onstove.com/en).
| Contact Point | Office | Mobile Phone | ||||
| Sangjik Oh, Team Leader | 031-630-3142 | 010-5236-0571 | sj****@*******te.com | |||
| Hyeran In, Deputy General Manager | 031-630-3143 | 010-3291-6710 | hr****@*******te.com | |||
| Jiwon Hong, Deputy General Manager | 031-630-3144 | 010-4135-0298 | jw****@*******te.com | |||
| Taehyun Park, Assistant Manager | 031-630-3179 | 010-6805-1177 | th****@*******te.com |
Hashtag: #Smilegate
The issuer is solely responsible for the content of this announcement.
