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Arya’s Cred AI Advances Credit Underwriting Toward Context-Driven Intelligence

MUMBAI, India and NEW YORK, Feb. 25, 2026 /PRNewswire/ — Underwriting teams have already automated much of the operational grunt work. This progress, though, has largely come from rule-based systems handling repetitive tasks. Underwriters still spend most of their time understanding transaction patterns, and the bank and financial statement analyzers available to them only categorize transactions, not contextualize them.

Cred AI: Arya’s Statement Analysis Model for Credit Risk Assessment
Cred AI: Arya’s Statement Analysis Model for Credit Risk Assessment

This is the gap Cred AI, Arya.ai’s statement analysis platform is built to close. To make better credit risk assessments, underwriters need to know what transactions mean, and not merely what category they fall into. Statements carry significant evidentiary weight: pay stubs can be modified and invoices inflated, but financial behavior, as reflected in bank statements, is far harder to manipulate.

In corporate underwriting, the same problem takes a different form. Financial statements are often treated as static outputs (ratios computed, numbers compared, exceptions flagged) without interpreting what those numbers represent operationally. Cred AI addresses both dimensions: behavioral context in retail underwriting and operating reality in corporate underwriting.

Automation accelerates analysis, but it often flattens meaning.

“Automation helped underwriting move faster, but it didn’t help it think better,” said Deekshith Marla, Founder of Arya.ai. “Underwriting is fundamentally a behavioral problem. If you don’t understand why money moves the way it does, or why financial statements change the way they do, no amount of categorization will lead to better credit decisions.”

Cred AI is designed to help teams make smarter underwriting decisions. It moves underwriting beyond automation by enabling contextual understanding across transactions. This allows underwriters to interpret behavior in retail cases and operating reality in corporate cases.

Key Differentiators: Cred AI

  1. Treats statements not as flat records, but as behavioral and operational timelines
  2. Connects signals across time, distinguishing genuine income from artificial inflows
  3. Identifies patterns that showcase financial health and operating quality
  4. Preserves relationships between financial events that traditional analysis discards

Most importantly, Cred AI is powered by Weave, Arya.ai’s orchestration platform. This feature allows teams to interact with statements conversationally. “Teams can ask Cred AI questions such as ‘Forecast the next three months’ cash balance’ and get instant insights. We’ve seen teams catch falsified revenue using citable answers,” said Ritesh Shetty, Product Head, Cred AI.

Cred AI has already delivered excellent results. In the UK, an SMB-focused lender achieved a 300% increase in underwriting productivity by using Cred AI.

“True productivity gains come when underwriters trust what they’re seeing,” Marla added. “Context removes friction from decision-making. When interpretation is clear, speed follows naturally.”

As financial institutions continue to invest in AI-driven underwriting, the next phase of innovation will not be defined solely by automation. It will be defined by systems that restore context—systems that understand financial behavior for retail underwriting and financial reality for corporate underwriting.

Learn more about Cred AI: Statement Analysis for Smarter Underwriting.

About Arya.ai

Arya.ai is an Enterprise AI solutions provider helping organizations unlock the power of AI. Under the leadership of its founder, Deekshith Marla, the company bridges the gap between advanced technology and real-world challenges. Its offerings empower enterprises to integrate, manage, and scale AI across functions.

 

 

SANY to Unveil New Machines, Smart Technology, and Service at CONEXPO 2026

LAS VEGAS, Feb. 25, 2026 /PRNewswire/ — SANY will present its most comprehensive North American portfolio, technology and service at CONEXPO-CON/AGG 2026 in the Las Vegas Convention Center. Under the theme “Together, We Move the Future Forward”, SANY will demonstrate how performance, intelligent technology and long-term partnership are driving the next era of construction equipment.

Meet SANY at CONEXPO 2026
Meet SANY at CONEXPO 2026

MORE MUSCLE, LESS MARKUP

At Booth F44054, SANY will display 32 machines and 17 attachments, including 10 new models designed for the North American market. Among these:

  • SY10U Mini Excavator: Zero tail swing for exceptional maneuverability. It is equipped with a full‑hydraulic load‑sensing system, suspension seat and wide armrests, delivering a premium operating experience.
  • SY335LC Medium Excavator: Powered by a 9L, 209 kW Cummins engine, delivering stronger torque and higher displacement in its class. With 204 kN of bucket force and 153 kN of arm force, it delivers powerful, precise, and efficient digging performance.
  • SCA3300A Lattice Boom Crawler Crane: Equipped with smart windshield automatically adjusting tint based on sunlight. Optional APU for optimized energy savings and reduced emissions.
  • SCA1100TB Telescopic Crawler Crane: Featuring a 360° surround-view monitoring system for safer lifting operations. Optional APU helps lower fuel consumption and reduce engine wear.
  • New-gen SW940L Wheel Loader: Integrating a Cummins B6.7 engine and ZF transmission, drive axle. An advanced full electronic control system, compatible with mainstream attachments. Intelligent features include automatic limit control, one-touch bucket shake, parallel lift, tire pressure monitoring, smart attachment selection and positioning.
  • STH5519 Telehandler: Standard equipped with reversing radar and load moment protection. An integrated multifunction joystick improves operational efficiency by 20%, while a stability coefficient greater than 1.3 ensures safer lifting.

TECHNOLOGIES CONNECTING MACHINES, DATA AND PEOPLE

Beyond equipment, SANY will demonstrate a suite of intelligent solutions designed to minimize downtime and maximize uptime.

  • SANY AI Service Assistant (SASA): Intelligent diagnostics, interactive fault identification, and quick parts identification for efficient maintenance.
  • SANY RootPilot: high-precision 3D guidance for smarter, faster, and more efficient construction.
  • SANY Remote Control: Control a Huzhou excavator from our US showroom, over 6,500 miles away! AI-assisted, with one-click digging and loading.

Beyond that, SANY will showcase its service capabilities designed to keep equipment running smoothly. For 20 years in America, SANY has been growing with its customers, building trust through machines. At CONEXPO 2026, join us to experience how SANY is shaping the future of construction.

Laos Prioritizes Self-Reliant Economy in Next Five Years

Laos self-reliant economy strategy discussed at government meeting led by Prime Minister Sonexay Siphandone in Vientiane. (Photo by Pathedlao)

The Lao government has planned to build a self-reliant and sustainable economy, leaders said Prime Minister Sonexay Siphandone at the latest government meeting on 24 February. 

Setting the direction for the 10th National Socio-Economic Development Plan (2026–2030), the government will focus on resolving economic and financial challenges while avoiding heavy debt burdens. 

Cabinet members reviewed implementation of a resolution draft update, which was circulated to clarify responsibilities across ministries and improve coordination.

The government also examined a five-year action plan to modernize revenue collection. The reforms target higher efficiency, stronger transparency and improved domestic resource mobilisation to reduce external dependence.

Sustainable Growth and Structural Reform

Beyond fiscal reform, the meeting reviewed tourism performance in 2025 and explored ways to expand the sector, recognizing its role in generating foreign exchange and employment.

The group also reviewed draft regulations on transporting dangerous goods by road and rail, and on international non-governmental organizations, aimed at enhancing regulatory clarity, public safety, and effective governance.

The new plan places emphasis on human resource development, science and technology, poverty reduction and narrowing development gaps

At the same time, balanced and green growth will be the pillar of the next phase, focusing on renewable energy and zero-emission transport to ensure sustainable and environmental development. 

productronica China 2026 Draws Global Leaders in Intelligent Electronics Manufacturing–Pre-registration Now Open for the March Event!

SHANGHAI, Feb. 25, 2026 /PRNewswire/ — From March 25 to 27, 2026, productronica China 2026 will be held grandly at Halls E1-E5 and W1-W4 of the Shanghai New International Expo Centre. As an important display and exchange platform for the electronic manufacturing industry, this edition will feature over 1,000 exhibitors across its exhibition area of nearly 100,000 square meters. It will focus on the needs of multiple fields, including automobiles, industry, communication electronics, and medical electronics. It aims to present an “innovation feast” covering the entire industrial chain of electronic production to the industry, highlighting smart factories, new energy vehicle technology, and the digital future. The visitor registration is going on heatedly, please Register Now!

productronica China 2026
productronica China 2026

Highlight industry trends in the electronic intelligent manufacturing industrial chain

Halls E1 & E2: High-density and high-reliability wiring harness processing—Building a robust foundation for high-end manufacturing

Driven by technological advancements in new energy vehicles, high-end consumer electronics, and industrial equipment, wiring harness processing and connector manufacturing are rapidly evolving beyond traditional technical boundaries. Intelligent production is emerging as a core strategy for reducing costs and enhancing efficiency. A host of leading industry enterprises will showcase automated wiring harness processing equipment and solutions—spanning equipment, products, and systems—to fully address industry upgrade needs and establish a solid foundation for connectivity and transmission across downstream sectors, such as new energy vehicles and industrial control.

Halls E3 & E4: SMT breakthroughs driving electronic manufacturing upgrades

From micron-level precision mounting to carbon-neutral production lines, surface mount technology (SMT) is redefining industry boundaries through miniaturization, intelligence, and green transformation. This year’s exhibition serves not only as a real-world testing ground for cutting-edge SMT but also as a core platform that connects upstream and downstream opportunities along the industrial chain, fostering collaboration and shaping the future together. The exhibition will comprehensively showcase ongoing technological advancements and innovative business models within the industry, opening up new avenues and possibilities for holistic upgrades of electronic manufacturing.

Hall E5: Test and Measurement Exhibition Area—Showcasing core solutions to address key manufacturing challenges

As electronic products grow more complex and quality standards become increasingly rigorous, test and measurement technologies are rapidly advancing toward greater precision, intelligent diagnostics, and integrated data solutions. The test and measurement section of the exhibition will highlight one-stop solutions spanning AOI, SPI, X-ray inspection, and intelligent data analytics. These innovative technologies address critical challenges in electronic manufacturing, ensuring high quality and reliability throughout the process.

Hall W1: Dispensing and Chemical Materials Exhibition Area—Delivering integrated solutions for precision processes and innovative materials

As microelectronic packaging technology advances in precision and structural bonding requirements become increasingly stringent, dispensing technologies and electronic chemical materials are now critical to ensuring product reliability and enabling miniaturized integration. Within the Dispensing and Injection & Electronic Chemical Materials Exhibition Area, industry leaders will showcase innovative solutions including intelligent dispensing systems, premium adhesives, and functional electronic materials. This one-stop exhibition addresses process challenges faced by sectors such as consumer electronics, new energy vehicles, and semiconductor packaging, offering robust support for enhancing product reliability and boosting production efficiency.

Hall W2: Flexible automation as the foundation of smart factories

As industrial intelligence transformation enters a new stage of development, flexible manufacturing and unmanned warehousing have become essential strategies for manufacturers seeking to reduce costs and boost efficiency. The Robotics and Intelligent Warehousing Exhibition Area will spotlight the practical application of “smart factories,” showcasing products in core areas such as industrial robots, sensors, and intelligent warehousing systems. This exhibition aims to support manufacturing enterprises in accelerating their smart factory strategies, overcoming efficiency bottlenecks in both production and logistics.

Hall W3: Motion Control Exhibition Area—Accelerating intelligent manufacturing and electric innovation

The explosive growth of the new energy vehicle industry, combined with ongoing advancements in industrial automation, has positioned motion control technology as a key driver of intelligent manufacturing. To respond to this trend, this year’s exhibition features a dedicated area for motion control and new energy vehicle technology. The area is set to showcase servo systems, linear motors, motion controllers, precision guide rails, and innovative solutions for new energy processes such as battery production and electric drive assembly. These offerings are set to deliver targeted momentum for the upgrading of motion control technologies and the growth of the new energy vehicle sector.

Please click: https://www.productronicachina.com.cn/en/ to get more information about productronica China 2026.

For more information, please contact:
Sinsia Xing at sinsia.xing@mm-sh.com

SINEXCEL Recognized as BloombergNEF Tier 1 Power Inverter Manufacturer for Q1 2026

SHENZHEN, China, Feb. 25, 2026 /PRNewswire/ — SINEXCEL (300693.SZ) is proud to announce its recognition as a Tier 1 Power Inverter Manufacturer by BloombergNEF (BNEF) for Q1 2026, underscoring its consistent delivery of reliable inverter solutions and the deep trust it has earned from international customers and financial institutions through proven project execution.

SINEXCEL Recognized as BloombergNEF Tier 1 Power Inverter Manufacturer for Q1 2026
SINEXCEL Recognized as BloombergNEF Tier 1 Power Inverter Manufacturer for Q1 2026

The BloombergNEF’s Tier 1 list is widely regarded as a key benchmark for assessing competitiveness in the global renewable energy market. By prioritizing “Global Bankability”—specifically the ability to secure non-recourse financing and the strength of independent branding—BNEF ensures a high standard of credibility for developers, manufacturers, and investors.

Technological Innovation: From C&I to Utility-Scale

SINEXCEL continuously drives product innovation and engineering breakthroughs to meet complex grid and market demands.

For C&I and microgrid applications, the Sirius 135K is purpose-built to navigate challenging interconnection requirements, harsh operating environments, and ROI pressures — delivering global compatibility, strong scenario adaptability, and long-term lifecycle value.

At the utility scale, the flagship StellaOn 1250K/1575K PCS is engineered to optimize project economics, safety compliance, and grid integration complexity. With a focus on lifecycle efficiency and adaptability across diverse environmental, load, and grid conditions, it enables stable, high-performance operation in demanding large-scale deployments.

These advanced solutions lay a solid foundation for energy storage systems to effectively participate in multi-scenario applications and complex power trading markets worldwide.

Global Expansion and Proven Delivery

SINEXCEL’s storage solutions are certified in over 40 countries and deployed across more than 60 markets and 5,000 projects, with 17GW of installed capacity worldwide. The company operates 10 global service centers across Europe, North America, and Asia-Pacific, supported by a 30-minute rapid response and seven-day parts delivery commitment.

Successful deployments in the Czech Republic, Bulgaria, and Romania further validate the company’s global execution capability and product reliability, providing strong support for its Tier 1 recognition.

Moving forward, SINEXCEL will continue to leverage its innovative power electronics to deliver highly bankable solutions, working alongside global partners to accelerate the zero-carbon energy transition.

About SINEXCEL

Founded in 2007, SINEXCEL is a pioneer in energy storage, EV charging, and power quality solutions. With 17 GW of installed storage, 140,000 EV chargers, and nearly 20 million amperes of AHF deployed, SINEXCEL partners with industry leaders to empower energy freedom.

Contact: melody_yu@sinexcel.com

2026: Transparency Becomes a New Standard in the Creator Economy

GENEVA, Feb. 25, 2026 /PRNewswire/ — As the creator economy continues to mature, content monetization platforms are entering a new phase of structural development. The rapid growth of the sector is now accompanied by increased professionalization: dedicated teams, automation tools, outsourced management, and advanced technological solutions have become embedded in the ecosystem.

 

Your fans deserve the real you, not AI chats. Join RedPeach. Verified creators only.
Your fans deserve the real you, not AI chats. Join RedPeach. Verified creators only.

 

In France, the Senate is currently reviewing measures aimed at regulating what some lawmakers have referred to as “Pimping 2.0,” a term used to describe outsourced profile management and delegated user interactions on certain subscription-based platforms. The debate, covered by RTL, extends beyond France and reflects a broader European and international movement toward stronger transparency requirements, intermediary accountability, and enhanced creator protections. As regulators take a closer look at opaque delegation models and automated interaction systems, compliance standards are expected to tighten.

In this environment, RedPeach designed to prevent undisclosed delegation and ensure interaction authenticity positions itself in alignment with emerging regulatory expectations.

While this evolution follows a clear economic logic, it also raises a strategic question: how can clarity and trust be maintained in digital interactions when multiple layers of intervention may operate behind a single account?

It is within this context that the Swiss company RedPeach is developing a verification-centered approach: https://redpeach.com/face-verification.

The platform has developed proprietary technology that integrates a facial validation mechanism within private messaging. The objective is to certify that responses originate directly from the account holder, thereby reinforcing interaction traceability and transparency.

“The creator economy has grown extremely fast. We believe the next stage is not only about growth, but about clarity. Technology should strengthen trust in interaction, not replace it,” said Marco Cally, CEO of RedPeach.

As part of its development strategy, the RedPeach team conducted a six-month study analyzing 2,000 publicly accessible creator accounts operating on subscription-based platforms.

According to the company’s internal findings, 65% of accounts generating between $500 and $100,000 in monthly revenue appear to rely on external management structures or technological assistance tools to manage user interactions (internal analysis; methodology and scope available upon request).

Beyond its verification infrastructure, RedPeach’s 2026 roadmap is part of a broader responsible innovation framework: enhanced content protection tools, collaborative features for creators, diversified payment solutions, and structured support programs.

Originally developed as a CRM solution and payment infrastructure for freelancers and small and mid-sized businesses, RedPeach technology has evolved to address the specific needs of the creator economy, particularly as expectations around transparency and digital accountability continue to increase.

Rather than positioning itself in opposition to existing platforms, RedPeach presents its model as a technological evolution of the sector: a framework in which technical validation of interactions contributes to a clearer and more sustainable environment for content monetization.

About RedPeach

Founded in Geneva, RedPeach is a content monetization technology platform built around interaction verification mechanisms and secure infrastructures aligned with current digital standards.

Learn More

Website: https://redpeach.com
Explanatory Page: https://redpeach.com/face-verification
Recent Interview: https://www.lebigdata.fr/onlyfans-ia-et-scam-emotionnel-industrialisent-lintimite

ST Engineering iDirect’s European Manufacturing Competence Center Selected for NATO’s ESSM® Block II Program

HERNDON, Va., Feb. 25, 2026 /PRNewswire/ — ST Engineering iDirect today announced that its Manufacturing Competence Center (MCC), located in Erpe-Mere, Belgium, has been selected by Raytheon, an RTX business, to support the Evolved Sea Sparrow Missile (ESSM®) Block II program. This marks a significant milestone for the MCC, affirming it as a strategic European partner in the production of advanced defense technologies for one of NATO’s most enduring cooperative security initiatives.

The MCC was selected because of its proven capabilities in managing high-complexity, high-mix production for the defense sector.
The MCC was selected because of its proven capabilities in managing high-complexity, high-mix production for the defense sector.

Operational since 1968, the ESSM® program is the longest-running cooperative smart defense initiative in NATO’s history and remains a cornerstone of international naval defense strategy.

The MCC was selected because of its proven capabilities in managing high-complexity, high-mix production for the defense sector. It is AS/EN 9100 certified for Aviation, Space, and Defense, with manufacturing processes aligned to the rigorous quality standards required for mission-critical programs like ESSM®.

“At Raytheon, innovation is intrinsic to what we do, and we found a partner in ST Engineering iDirect’s European Manufacturing Competence Center that operates from a shared strategic vision,” said Misty Holmes, Vice President of Shipboard Missiles at Raytheon. “Together, we will pair cutting-edge technology with state-of-the-art manufacturing to deliver unmatched capability to U.S., NATO and allied navies around the world.”

“Being selected to support the ESSM® Block II program is a testament to the Manufacturing Competence Center’s dedication to excellence and innovation, and underscores its reputation as a premier European facility for high-reliability electronics manufacturing,” said Tom Hamelinckx, Plant Director at ST Engineering iDirect. “This collaboration highlights the strategic importance of Belgian manufacturing capabilities and reinforces our commitment to delivering high-reliability solutions that meet the stringent demands of the defense industry.”

“During our visit to the Raytheon facilities in Tucson last October, we emphasized the importance of increasing Belgian participation in the ESSM® Block II program. We are very pleased to see RTX translating that dialogue into concrete deliverables so quickly. Companies such as ST Engineering iDirect clearly demonstrate the potential and added value of Belgium’s defense industry to large international programs such as Sea Sparrow,” said Theo Francken, Belgian Minister of Defence.

“To guarantee peace and security, this government and Minister Francken are structurally investing in defense. It is crucial to involve our own industry and build strategic autonomy. ST Engineering iDirect’s contributions are invaluable,” added Peter Buysrogge, Chairman of the Defence Committee and Alderman of Sint-Niklaas.

This collaboration with Raytheon further solidifies the MCC’s role in supporting European and global defense infrastructure and demonstrates the strategic value of Belgian manufacturing capabilities within the NATO alliance.

The MCC has been recognized four times as a Factory of the Future, reflecting its commitment to innovation, digitization, and operational excellence. The facility integrates advanced testing capabilities, comprehensive traceability systems, and robust supply chain management protocols to deliver the precision and stability required for defense contracting applications.

ST Engineering iDirect, a subsidiary of ST Engineering, is a global leader in satellite communications (satcom) providing technology and solutions that enable its customers to expand their business, differentiate their services and optimize their satcom networks. With over 40 years of delivering innovation focused on solving satellite’s most critical economic and technology challenges we are committed to shaping the future of how the world connects. The product portfolio, branded iDirect, represents the highest standards in performance, efficiency and reliability, making it possible for its customers to deliver the best satcom connectivity experience anywhere in the world. ST Engineering iDirect is a leader in key industries including mobility, broadcast and military/government. In 2007, iDirect Government was formed to better serve the U.S. government and defense communities. For more information visit www.idirect.net.

 

Bowtie Inaugurates New Headquarters: “Bowtie Life Insurance Tower” A Physical Landmark in Wan Chai’s Prime Business District Fulfilling a Long-Term Commitment to Hong Kong

HONG KONG, Feb. 25, 2026 /PRNewswire/ — Bowtie, Hong Kong’s first virtual insurer[1],  today inaugurated its new headquarters, “Bowtie Life Insurance Tower” (“Bowtie Tower”), located at 68 Johnston Road, Wan Chai. For a fully digital player founded just seven years ago, securing naming rights for a landmark in a prime business district is more than just a symbolic achievement—it signals Bowtie’s transition to a market leader and underscores a strategic commitment to building long-term public trust through a tangible physical presence.

From left to right: Prof. Tony Mok, Health Advisor of Bowtie; Mr. James Lau, GBS, JP, Independent Non-Executive Director of Bowtie; Mr. John Tsang, Senior Advisor of Bowtie; Mr. Michael Chan, CEO & Co-Founder of Bowtie; Mr. Fred Ngan, Co-Founder of Bowtie; Mr. Clement Cheung, GBS, JP, CEO of Insurance Authority; Ms. Christine Romano, CFO of Sun Life Hong Kong Limited; Ms. Jessica Yeung, Senior Manager of Policy and Legislation Division, Insurance Authority
From left to right: Prof. Tony Mok, Health Advisor of Bowtie; Mr. James Lau, GBS, JP, Independent Non-Executive Director of Bowtie; Mr. John Tsang, Senior Advisor of Bowtie; Mr. Michael Chan, CEO & Co-Founder of Bowtie; Mr. Fred Ngan, Co-Founder of Bowtie; Mr. Clement Cheung, GBS, JP, CEO of Insurance Authority; Ms. Christine Romano, CFO of Sun Life Hong Kong Limited; Ms. Jessica Yeung, Senior Manager of Policy and Legislation Division, Insurance Authority

To accommodate its rapid expansion, Bowtie has secured a five-year lease for seven floors at the location. The space features the brand’s flagship Bow Coffee, across the ground and mezzanine levels, while the remaining five floors house the company’s corporate offices.

Bridging the “Virtual” Gap: Building Lasting Confidence with a Physical Presence
While Bowtie’s operational model is built on digital, the company recognizes that brand trust is often rooted in “visible” commitments. In the traditional financial world, building naming rights have always been a hallmark of institutional stability. Securing the naming right is a strategic brand decision designed to bridge the intangible distance often associated with “virtual insurance”. By moving into the physical realm, Bowtie is demonstrating a long-term commitment to remaining deeply rooted in Hong Kong.

“‘Trust’ is the absolute cornerstone of the financial services industry, and even more so in insurance.” said Mr. Fred Ngan, Co-Founder of Bowtie. “Our operational edge stems from digitalization, but building enduring, cross-generational trust requires a ‘visible’ commitment. Through the physical landmark, ‘Bowtie Tower’, we want to prove to the public that Bowtie is not merely a tech firm residing in the cloud, but a highly transparent insurance brand delivering genuine service and walking alongside the people of Hong Kong for the long haul.”

Flagship Cafe Launch: Insurance Service with a Personal, Pressure-Free Touch
Departing from the traditional model of using physical branches as sales centers, Bowtie has launched its flagship cafe, Bow Coffee, on the ground floor, fundamentally changing how the public interacts with an insurance brand. At Bow Coffee, customers can seek objective information and support from Bowtie’s customer service team in a completely pressure-free, everyday setting. This highly accessible Online-to-Offline (O2O) model goes beyond simply filling the void of face-to-face interaction typical of digital operations; it injects essential human warmth into virtual insurance.

To schedule a face-to-face consultation, customers can visit Bowtie’s online platform or call the customer service hotline at 3008 8123.

“Traditional insurance often feels distant or even high-pressure.” said Mr. John Tsang, Senior Advisor of Bowtie. “The inception of Bow Coffee is to integrate ‘customer service’ seamlessly into daily life. It is more than just a cafe; it is a community hub. We want everyone in Wan Chai to know they have a safe, pressure-free space where they can always find support for their insurance needs.”

Translating Tech-Driven Efficiency into Exceptional Customer Experience 
Behind Bowtie’s ability to fund such a significant strategic investment lies its powerful and mature operational efficiency. By harnessing its own technology stack to highly automate complex insurance processes, Bowtie has successfully redirected the cost savings gained through technology straight back into optimizing the claims and customer service experience.

By setting higher service standards, Bowtie has not only delivered on its claims promises but also fueled robust business growth:

  • In the second half of 2025, new applications for Bowtie’s VHIS products surpassed 10,000, validating public confidence in the brand;
  • The VHIS claim approval rate stands at a remarkable 98.3%[2].
  • Across all insurance products, Bowtie has processed over 150,000 claims;
  • Of these, 95% are assessed and paid within just five working days[3];
  • Bowtie has achieved an exceptional customer retention rate of over 94%.

“The scale and efficiency of the fully digital insurance model have now been validated by the market.” said Mr. Michael Chan, CEO and Co-Founder of Bowtie. “Our robust sales momentum in 2025 represents the ultimate vote of confidence from the public. Precisely because technology cuts out the heavy costs of traditional operationals and customer acquisition, we are in the unique position of being able to pour those resources directly back into ‘services’.”

He added, “The opening of ‘Bowtie Tower’ is more than just a growth milestone for Bowtie; it embodies our ongoing commitment to leveraging technology to drive  efficiency while delivering a human-centric service experience. Ultimately, it is about taking concrete action to continuously bridge Hong Kong’s massive health protection gap.”

Celebrating with the City: Exclusive Launch Offers
To celebrate the unveiling of Bowtie Tower and the grand opening of Bow Coffee, Bowtie is delighted to roll out two exclusive promotions:

  • Bowtie’s Insurance Flash Offer (From now until 1 March 2026): Customers who apply for designated Bowtie insurance products via the online platform using the promo code “BOWTIETOWER” can enjoy a 50% discount on their first-year premium[4][5].
  • Bow Coffee Dining Offer (From now until 31 March 2026): Simply register for a Bowtie account to enjoy a 50% discount on beverages and a 30% discount on food at Bow Coffee.

About Bowtie
Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer authorized by the Insurance Authority under the fast track pilot scheme. Its vision is to bridge the health protection gap and transform the way people access healthcare in Asia. Through digital technology, Bowtie makes health insurance more affordable and accessible for individuals and small-medium enterprises.

To date, Bowtie has raised over HK$1.0 billion from Sun Life Financial and Mitsui & Co., providing about HK$150 billion in protection amount to families. Learn more at www.bowtie.com.hk.

[1] Bowtie Life Insurance Company Limited is Hong Kong’s very first virtual insurer authorized by the Insurance Authority under the fast track pilot scheme.

[2] As of April 2025, the average claim approval rate for Bowtie’s VHIS “Standard Plan,” “Flexi Plan – Regular,” “Flexi Plan – Plus,” and Bowtie Pink was 98.3%.

[3] This data represents our typical service standards. The actual handling and processing time for any specific claim is subject to the complexity of the case, the completeness of the submitted documentation, and the specific health situation.

[4] This offer does not include Bowtie Children’s Growth Term CI, is applicable to new customers only, and is subject to relevant terms and conditions

[5] The policies of the VHIS Products, Term Life, and Critical Illness Products are underwritten by Bowtie Life Insurance Company Limited, and the products are intended for sale in Hong Kong only. Subject to terms, conditions, and exclusions. The above information is for reference only. For detailed terms and conditions, product risks, and exclusions, please refer to the policy document.