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Who is FinScore?

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.

Who are your clients?

We currently serve more than 10 companies in the Philippines. They are comprised of consumer lenders, digital lending platforms, large consumer banks, thrift banks, and digital banks.

How is credit score calculated?

For credit scoring in the Philippines, banks, credit companies, and lending companies look for the borrower’s past behaviour in the financial system such as availed loan products or credit cards, loan and credit payment promptness, income, and employment status. These are traditional data for credit scoring.


With FinScore, our credit score is based on alternative data, including Telco data. Telco credit score focuses on the borrower’s mobile phone behavior, specifically with their mobile network. We measure their average top-up amount, subscription duration, and more.

What are your fraud-prevention tools?

Finscore’s fraud prevention tools use Telco data to verify some of the information disclosed by the loan applicant. We offer different ways to know if an application is fraudulent or not.

Can Finscore guarantee the grant of the loan?

No, Finscore does not guarantee the loan grant. The loan risk is entirely handled by the lending company.

Are the owners of the data aware of this?

Yes, before we perform any processes on their data, the borrower needs to give consent to the financial institution who will provide the loan. The consent is included in the terms and conditions of the lender.


This ensures that each borrower is fully aware that FinScore will score their telco data. As their credit scoring partner, we practice consent audit regularly to ensure that consent was obtained and stored properly for each individual application.

How long does it take to process data?

It takes less than 1 second to return a score to our clients.

How can my company benefit from your service?

Whether you’re a traditonal bank, a credit bureau, or consumer loan company, Finscore’s credit scoring and fraud prevention tools, in general, can help your company in decreasing your default rate while increasing your approval rate. That means lower losses and higher profitability.


However, our business development team is more than willing to help you how to fully reap the benefits of FinScore’s data-driven solutions. Please do not hesitate to directly contact us so we can schedule a meeting with you in your most convenient time.

I'd like to try it first. Do you have a trial version?

Offering free trial is not commercially viable since it incur costs with our partners. We are conducting a proof of concept (POC) so that clients can apply the predictive power of our products to their company.

How much do I need to pay for the service?

The cost of our services depends on the products availed, volume of requests, and duration of service.


Our business development team will be more than happy to discuss our standard rates and create a tailor-made proposal. Feel free to send an e-mail info@finscore.ph.