Transact BP system is a loan origination system and process for KBank to serve SME products for retail customer (small & micro segment) which mainly emphasize on credit approval process. Currently the portfolio is segmented into Formula Lending group which is applied to any business or individual whose credit limit (except for credit card, Home loans limit) is less than 10 million Baht. The credit limit is calculated by adding the existing limit, guarantor liability for any other KBank lending, and the amount requested.