PayBaba

AI-Based Credit Scoring & Merchant Growth Intelligence System for MSMEs based on Payment Gateway Data

1st of Mini Hackathon Paylabs x Alibaba x BINUS University

PayBaba is a transaction intelligence-based dashboard that utilizes transaction data from payment gateways as the primary source of information to generate structured and credible business performance indicators.

PayBaba is not designed as a lending system, but rather as a decision-support system that assists financial institutions in conducting additional analysis of MSME business feasibility. This system processes digital transaction data, such as sales volume, transaction frequency, cash flow stability, and business growth trends, into quantitative metrics that can be used as supporting evidence in the credit evaluation process. This way, real economic data previously scattered throughout daily transaction activity can be transformed into more structured and easily understood information.

Pitch Deck: https://bit.ly/PayBaba-PitchDeck

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⚙️ Technology Stack: Frontend

React | Vite | TypeScript | TailwindCSS | ShadcnUI

GitHub for Backend: https://github.com/lutfialvarop/PayBaba-API

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🧩 Core Features

📊 Features for UMKM

• Credit Readiness Dashboard
• AI Credit Explanation
• Smart Loan Timing
• Business Performance Analytics

🔍 Get loans without collateral or financial reports

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💼 Features for Bank

• Merchant Portfolio Dashboard Monitoring
• Credit Analysis Tools
• Early Warning System

🐦‍🔥 Access verified SME data with AI risk assessment

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💸 Features for Payment Gateway (PayLabs)

• Monetization Dashboard
• AI Ops Monitoring Dashboard

💰 Increase merchant stickiness through value-added services

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🚀 Live Demo

👉 https://paybaba.vercel.app/

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🧰 Getting Started Locally

Prerequisites

• Node.js (v16+)
• Git

Clone the Project

git clone https://github.com/StyNW7/PayBaba-AI-Hackathon.git
cd PayBaba-AI-Hackathon
cd frontend
npm install
npm run dev

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📸  Result Preview

Login Page

Merchant Dashboard

Website - Audio Detail Logs

Merchant Transactions Page

Merchant Credit Details Page

Merchant Notifications Page

Bank Dashboard Page

Merchant Details Page

Bank Limit Simulator Page

Bank Early Warning System Page

Partners Section

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🧭 Diagram

Overall End-to-end System Workflow of PayBaba Project

This diagram illustrates the System Architecture of PayBaba

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👥 Owner

This Repository is created by MU Sang King Team for Mini AI Hackthon by PayLabs x Alibaba Cloud Indonesia x BINUS University:

• Stanley Nathanael Wijaya - 2702217125
• Maulana Hanif Al Faqih Rojichan - 2802487844
• Lutfi Alvaro Pratama - 2802428274
• Louis Oktovianus - 2702752173

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📬 Contact

Have questions or want to collaborate?

• 📧 Email: stanley.n.wijaya7@gmail.com
• 💬 Discord: stynw7

Made with ❤️ by MU Sang King