Credit Scoring System
FINSCORE’s credit scoring platform


FinScore’s mission is to provide innovative scoring solutions to the ever-growing needs of banks, financial institutions, and credit bureaus, becoming an instrument in promoting financial inclusion in emerging markets.

FinScore’s credit scoring platform provides products and advanced analytics to serve banks, financial institutions, and credit bureaus in emerging markets. The data obtained via FinScore’s platform is statistically proven to be more reliable, enabling these institutions to offer better services to their existing customers, at the same time attract new customers, and approach the previously unserved market segments.

With a solid background in advanced analytics and scoring technology, FinScore can uplift the predictive power of existing decisioning models and empower the acquisition of new customer segments by using solely its Telco Scoring model. Integration to FinScore platform is made easy and seamless as it is developed with a plug-and-play logic.

FinScore’s products are based on Telecom Data derived from 400+ variables (i.e., call patterns, location, loyalty, transactions, behavior, profile, and social circle) of the Telecom subscribers.

The analyzed data provide financial institutions with critical knowledge and insights about the creditworthiness and willingness to repay of a particular market segment, until this point known as “the unbankable customers.”


FinScore traces its roots from the internationally recognized fintech company, Cash Credit. Established in 2012 in Bulgaria, Cash Credit is the first to partner with Telecom Operators to obtain most valuable data from a purely new and objective source – the Telco Usage Data of subscribers. 

By analyzing Telecom Data and gaining insights from patterns of the subscriber’s habits and behavior, CASH CREDIT was able to recognize credit-worthy individuals, and has established confidence in extending unsecured loans to the unbanked population at a manageable risk.

Recognizing the growing demand both for financial services and reliable alternative sources of data, CASH CREDIT has spanned-off its first venture, FINSCORE, a Telco Scoring focused platform-as-a-service for banks and financial institutions.

About Finscore

With this proven and profitable concept, Cash Credit expanded its operations in 2015 and has since then successfully established business models in South Africa and in the Philippines.

As Cash Credit accumulated vast knowledge and experience through lending, it has soon identified the opportunity to branch out its services and integrate with other financial institutions and banks.

By using Cash Credit’s unique in-house telco credit scoring developed over time in 3 emerging markets, these institutions has found a proven and innovative way to expand, reach, and start serving the unbanked population.

Recognizing the growing demand both for financial services and reliable alternative sources of data, Cash Credit has spanned-off its first venture, FinScore, a Telco Scoring-focused platform-as-a-service for banks and financial institutions.



Chief Executive Officer

Diana is a fintech visionary. She has initiated the alternative data-driven credit industry in Eastern Europe with Cash Credit in 2011 before leading the international expansion of the company. Diana established the Philippines operations of Cash Credit in partnership with Smart Communications before founding FinScore in 2018.



Chief Business Development Officer

Vedran is a fintech specialist and financial inclusion enthusiast. Prior joining Finscore as Chief Business Development Officer, Vedran was leading the business development of Oradian in West Africa.



Country Manager

Christo oversees the Sales, Marketing and Product Project Management in the business. He’s an experienced digital entrepreneur and operations executive with special affinity towards digital payments, assets and currencies. Prior to joining FinScore, Christo was in charge of operations accross several verticals in the iGaming industry, both in Philippines and internationally.



Chief Innovations Officer

Angel is a Senior Data Scientist. Angel was part of the pioneering team, which created the first telco data based credit scoring of Cash Credit in Bulgaria. Since then, Angel has developed a unique breadth of experience using alternative data for credit scoring, credit analysis and creation of new financial products.



Chief Technical Officer

Peter is a Senior Software Architect and an IT manager. After building the complete IT infrastructure of Cash Credit in Bulgaria and in the Philippines, Peter joined FinScore to develop an agile API based infrastructure.


Chief Analytics & Development Officer

Alexander is looking after the product portfolio development of the company and the data/methodology enhancement. He has more than 9 years of experience in the data science field. Prior to joining FinScore, Alexander was leading multiple analytics teams in the information service industry, working for various projects across UK, EMEA, and APAC.

FinScore is a financial technology company in the Philippines that offers a powerful credit scoring platform and fraud detection tools based on alternative data, including telco-based data. 

As the pioneer in lending and scoring of the unbanked, we continuously provide fintech services that empower financial institutions, banks, and credit bureaus with flexible platforms to help them make insightful and reliable credit decisions. Contact us today to learn more about our products and solutions for financial institutions.


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