Consumer-finance experts and companies proposed using technology to help borrowers identify licensed lenders and understand principal, interest, fees and repayment schedules, the government news portal reported. Ideas discussed included verified applications, loan summaries before signing and data-based assessment of repayment capacity. Shinhan Finance, VietCredit and Lotte Finance described digital practices at their own businesses. The discussion emphasised transparency and responsible lending alongside access to credit, rather than focusing solely on rapid disbursement.