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How it Works_ Telco Data Credit Score (1)

Telco Data Credit Score in The Philippines: How Does It Work?

Before we tackle Telco data credit scoring… It’s only fitting to quickly discuss Traditional Credit Scoring so that readers can have a clear picture of how financial institutions perform credit risk assessment. Credit scoring bureaus were the main hub of credit information. They investigate the traditional data such as age, homeownership, outstanding loans, repayments of

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The Benefits of Big Data to the Banking and Financial Sector

The Benefits of Big Data to the Banking and Financial Sector

The banking and financial services industry is a domain where massive volumes of data are generated and handled every day. After all, banking customers create an astronomical amount of data through millions of individual transactions. Each and every activity generates a digital footprint backed by data. All of this data falls under the umbrella term

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Bridging the Financial Gap in the Philippines Using Alternative Data

What Maria is not yet aware of is that she has another set of data that can uplift her credit score– her Telco data. It is accessible and dynamic, enough to provide indicators of identity, location, and financial activity. Given also the 1:1 ratio of a Filipino to having mobile phones, the volume of Telco data will continue to accumulate and increase over time. These data source has been with her since she started using her phone and prepaid SIM card.

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How to Know Your Credit Score in the Philippines

How to Know Your Credit Score in the Philippines

How to Know Your Credit Score in the Philippines Your credit score is arguably one of the most important pieces of information about you and about your overall financial standing.  Many Filipinos think that a credit score only matters when you need to be approved for a loan or a credit card. It can affect

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Why Alternative Data Sources are Becoming More Popular

The Rise of Alternative Data Sources in the Philippines As the demand for financial inclusion grows, alternative data sources are becoming popular tools for credit scoring companies in countries like the Philippines, where a large portion of the adult population is unbanked. Alternative credit scoring, with the use of alternative data sources such as telco

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How the Data Privacy Act of 2012 Impacts Fintech Companies

Impact of Data Privacy Act on Fintech Companies

The financial technology industry is constantly facing waves of change and growth. Emerging technologies such as big data, artificial intelligence, and machine learning could have the potential to drive further innovation and to improve financial inclusion in developing countries like the Philippines. Data from the World Bank showed that in 2017, only 34.6% of Filipinos

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

As the pioneer in lending and scoring of the unbanked, we continuously empower banks, financial institutions, and credit bureaus with flexible platforms to help them make insightful and reliable credit decisions.

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