Reach More Qualified Borrowers With Alternative Credit Scoring
Go beyond traditional credit records to assess more customers, improve credit decisions, and confidently expand into new markets
DATA INPUTS
400+ Variables Across 4 Signal Categories
Every score is built from a combination of these telco-derived behavioral signals — no bank data required.
Usage Behavior
Call frequency, SMS patterns, data consumption trends over time.
120+ Variables
Payment Signals
Recharge regularity, top-up amounts, postpaid bill payment consistency.
95+ Variables
Location & Mobility
Movement patterns, home/work anchor stability, geo consistency.
80+ Variables
Social Graph
Contact network quality, connection stability, social mobility indicators.
105+Variables
Key benefits
Built for Inclusive,
Responsible Lending
Reach underserved markets while maintaining strong credit performance.
Inclusive Access
Expand credit access to unbanked Filipinos and underserved market segments with alternative scoring.
Precise Assessment
Make confident lending decisions with credit assessments based on comprehensive data analysis, not guesswork.
Fraud Detection
Advanced detection systems flag fraudulent activities and safeguard against high-risk applications.
Streamlined Profiling
Automate applicant profiling, reduce manual reviews, and increase lending efficiency significantly.
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.
Unlock the Power of Telco Data for Credit Scoring
In formal banking systems, credit is extended to customers based on their credit scores. Financial institutions such as banks and credit card companies assess an individual’s creditworthiness using information from in-house databases and credit bureaus, which is converted into a single metric: the credit score.
The traditional process of credit scoring includes verifying the customers’ identities as well as their willingness and ability to pay. Their willingness to pay is based on their past credit performance, while their ability to pay is supported by their current income and amount of outstanding debt.
In emerging economies like the Philippines where telco credit scoring still isn’t a widely recognized norm, the traditional process of determining an individual’s creditworthiness is limited. The unbanked sector (people who are not served by banks or other financial institutions) often struggle with receiving access to credit because many of them do not have a bank account due to a lack documentary requirements and physical access. These people are often freelance workers or self-employed individuals engaged in various, non-regular, income-earning activities.
According to the Banko Sentral ng Pilipinas, there were 34.3 million unbanked Filipinos in 2021. However, this doesn’t mean they don’t have the ability and the willingness to pay. That’s why fintech (financial technology) companies in the Philippines are now developing innovative approaches such as telco based credit scoring to determine a consumer’s creditworthiness and improve financial inclusion.
Interested to know more about telco data credit scoring?
Harness 100% Telco Data Market Coverage to
Score Every Subscriber in the Philippines
Gain a competitive edge, achieve high market share, and offer attractive financial services with FinScore Telco Data Credit Scoring solution.
Our advantage is your advantage. FinScore is the only alternative credit scoring company in the Philippines that can telco credit score each and every mobile subscriber in the country. Confidently extend credit and manage risk to the unbanked and underbanked segments whenever and wherever they are in the Philippines – all based on Telco Data.
Developed for commercial banks, neo banks, BNPL platforms, digital lenders, multi-purpose lenders, and more, our flagship product can provide telco scores and fraud detection flags.
Let’s enable your business in serving the unbanked population in the Philippines.
CLIENT SUCCESS STORIES
What Our Partners Say
When it comes to delivering relevant, credible, and alternative credit scoring solutions, Finscore is the preferred choice for lending institutions in the Philippines and Indonesia. Great job, Finscore!
Ephraem
Customer
Number 1 alternative telco credit scoring in the Philippines!
Dinecen
Customer
INTEGRATIONS & COMPATIBILITY
Works With Your Existing Stack
FinScore plugs into your current loan origination system — no rip-and-replace required.
OAuth 2.0 Auth
Secure token-based authentication
Sandbox Environment
Test before you go live — no data required
Webhook Support
Real-time score delivery to your
pipeline
Batch Processing
Score hundreds of applications simultaneously
Dedicated Support
Integration team + technical documentation
Frequently Asked Questions
Everything you need to know before integrating Alternative Telco Credit Scoring.
How It Works
Why Telco Data
Integration and Compliance
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Fraud Detection
The Geo-location Fraud Flag is derived from FinScore’s ability to match the applicant’s declared living address versus various geo-locations detected by the mobile operator.
KYC Compliance
Assess applicants and identify fraudulent accounts with KYC Base Check. It is a fraud prevention tool that cross-checks an individual’s personal data in The Philippines.
Data Enrichment
Get the most comprehensive social media lookup available with data from 20+ social media sites, including user avatar and profile info in a simple interface.
Improve Borrower Quality With Better Credit Data
Join 50+ leading banks and fintechs using FinScore to reach every Filipino borrower — confidently.
Have questions or
need assistance?
Contact our team today for personalized support and information on our products and services. We’re here to help you succeed.
