Credit Scoring for All
FinScore is an award-winning alternative credit scoring company powered by telco data and advanced analytics. Our telco credit scoring platforms and fraud detection solutions help financial institutions reduce defaults, increase approval rates, and combat fraud. Request a demo now or browse our products to learn more.
Trusted by 50+ leading banks & fintechs in Southeast Asia’s largest digital economies: the Philippines and Indonesia
Partners in Smarter Lending
Trusted by Leading Banks and Financial Institutions
Everything You Need to Score the Unscored
Proprietary models purpose-built for emerging markets, with coverage across every mobile subscriber in the Philippines.
Full Coverage
Score any subscriber, even those with no prior credit history, using 400+ alternative telco variables across every major telco network in the Philippines.
Instant Scores
Sub-second API responses for real-time decisioning at the point of application, so your team never slows down the customer journey.
Proven Impact
50M+ credit scores delivered across the Philippines, with results showing up to a 30% lift in loan approval rates for our clients.
Fraud Defense
Identify synthetic identities and high-risk applications before they reach your portfolio. Credit risk and fraud signals are combined into a single, unified decisioning score.
Easy API Integration
Built with plug-and-play architecture for fast deployment and minimal technical overhead, so your team can start the loan review process in days, not months.
Trusted by the Industry
A pioneer of telco credit scoring across Southeast Asia, trusted by major telco, financial institutions, and government agencies in the Philippines. Member of FinTech Alliance.PH and the FinTech Philippines Association.
Benefits of Alternative Telco Credit Scoring
Improved Assessment of Creditworthiness
Alternative data fills the gaps left by traditional credit history, helping lenders assess risk without compromising their exposure.
Enhanced Customer Experience
Borrowers with thin credit files can be re-evaluated using alternative data, giving lenders more accurate risk profiles and borrowers fairer terms.
Increased Market Reach
Lenders willing to serve unbanked segments gain a competitive edge using alternative data to evaluate borrowers outside the traditional system.
Leverage the Power of Alternative Data for Credit Scoring
In the Philippines, the traditional credit scoring process requires a borrower’s socio-demographic profile and financial history. This includes their age, employment status, gender, marital status, and educational attainment — among others. But what about the underbanked and people who do not have financial records or bank accounts to prove their creditworthiness?
In 2022, the Philippine Statistics Authority and the Land Bank of the Philippines opened their doors to 8.4 million Filipinos without bank accounts. While this made it possible for 5.8 million people to open transaction accounts, the country still has a sizable unbanked population.
So what about the underbanked and people who do not have financial records or bank accounts to prove their creditworthiness? Enter the power of alternative credit scoring.
Alternative credit scoring holds great potential in expanding access to credit, even for the unbanked. Alternative credit data, such as telco data, enables banks to get a more comprehensive snapshot of a borrower’s credit behavior and potential risk, even if they do not have credit history. This is extremely crucial in a lending environment where a growing number of customers are credit invisible, and the competition for new customers is fierce. Alternative credit data also provides lenders with a current and comprehensive visibility into consumer risk, allowing them to deliver smart and optimized products and services.
Innovative Credit Scoring Solutions
FinScore is a leading fintech company and credit score provider in the Philippines, delivering real-time alternative credit scoring powered by data from the country’s leading telco providers.
For nearly a decade, FinScore has championed #CreditScoringForAll, helping financial institutions make smarter lending decisions using 400+ telco-derived variables, including call behavior, mobility patterns, and subscriber loyalty. By bridging the gap between traditional banking and the unbanked, FinScore enables lenders to expand into underserved markets, boost approval rates, reduce default risk, and combat fraud.
The FinScore platform integrates seamlessly into existing lending workflows via a plug-and-play API, enabling rapid rollout with minimal technical effort. As the only alternative credit scoring provider offering 100% telco data market coverage in the Philippines, FinScore delivers unmatched market reach and scoring capability.
In 2023, FinScore became a wholly owned subsidiary of CTOS Digital Berhad, ASEAN’s leading credit reporting group.
Amplify Credit Scores With the
Power of Telco Data
100%
Coverage Across Every Leading Telco
FinScore is powered by Smart, Globe, and Dito, giving you access to credit insights on every mobile subscriber across the Philippines.
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Second Score Delivery Time
Real-time telco data, instant results. Credit scores are generated in under a second, so your team can make decisions right at the point of application.
50,000,000+
Scores Delivered
50 million credit scores and counting, helping banks and financial institutions across the Philippines reach and serve the underbanked.
CREDIT SCORING WITH FINSCORE
Drive Smarter Lending and Scale Your Portfolio Safely
SCORE YOUR BORROWERS ON THEIR BEHAVIOR WITH TELCO
Our proprietary unique telco credit scoring system in the Philippines provides critical knowledge and unique insights for both banked and unbanked individuals.
Would you like to expand your market reach and serve the unbanked and underbanked, but lack critical information to score them?
Our telco based credit scoring solutions will fill this gap and will enable you to make relevant and reliable credit decisions for the untapped market. Our credit scoring company serves commercial banks, digital banks, online lenders, buy now pay later services, motorcycles loans, e-commerce, consumer lenders, and so much more.
DETECT FRAUD USING OBJECTIVE TELCO DATA SOURCES
According to national research, fraud and syndicated fraud contribute to as much as 45% of total defaulted accounts in unsecured lending. We help organizations detect fraud by checking objective information sources—borrowers’ geo-location, contact numbers, and association with blacklisted customers.
Our advanced credit scoring reporting services leverages the same telco-based credit signals that inform our core model. By embedding fraud-detection flags, we can identify mismatches in declared data and raise alerts before credit is extended. Combining behavior-based scoring and fraud-monitoring ensures that borrowers who pass still undergo a rigorous check to mitigate identity-fabrication and other abuse.
PREVENT ONLINE FRAUD BASED ON DIGITAL PRESENCE DATA
Did you know that you can swiftly detect fraudulent customers through their social media presence? Check out FindSocial, a social media presence lookup and scoring tool. Our financial fraud prevention software can be used by banks, insurances, e-commerce, i-Gaming, travel and ticketing, and payment gateways!
At FinScore, we extend beyond traditional credit indicators into digital-footprint territory—social-media presence, device history, IP and network linkages—combined with the telco-based scoring model. In doing so, our platform screens for synthetic profiles, bot-driven applications or hidden fraud rings. By marrying scoring and digital-fraud prevention, we provide a comprehensive credit score provider platform that businesses can trust to defend both credit risk and operational security.
Go Deeper with FinScore’s Scoring Solutions
FinScore’s core telco credit scoring gives you a reliable foundation for more informed lending decisions. For teams that want to go further, we also offer complementary solutions you can add on: KYC verification to confirm borrower identity and CrediView monitoring for ongoing visibility into borrower health and lifetime value.
Visit our Download Centre to get free access to our one-pager product brochures, or connect with our team today to see a live demo.
Make smarter lending decisions and expand your reach with actionable alternative credit insights.
Join 50+ leading banks and fintechs using FinScore to reach every Filipino borrower—confidently.