Mocasa Innovates Credit Payment Sphere with Telco-Based Credit Scores by FinScore 

MANILA, Philippines, 24 March 2023 — In its sophomore year in the business, Mocasa doubles down on its commitment to help bridge the financial gap in the country. Through its 0-interest credit payment service, the Philippines-based fintech platform supplies a “smart” and fitting credit line to its users that is adjusted based on their spending habits and repayment behavior.

“How you behave with the money you have is what matters to us,” says Julien Chien, Mocasa Chief Operating Officer. “Credit history checks are a safeguard for lenders as much as it’s a hindrance for the mass market. Delivering the happy medium is what fuels our hunger for innovation.”

Since launching to the local market, Mocasa has tapped alternative credit scoring company FinScore to engineer bespoke credit scoring models that mitigate risk while expanding market reach. FinScore harnesses AI and Telco Data to identify creditworthy individuals among the unbanked in less than a second.

“Alternative data is the new frontier for financial inclusivity,” says FinScore Country Head and Chief Operating Officer Christo Georgiev. “We help banks, lenders, and other financial institutions activate their full potential through unbiased credit scoring systems derived purely from AI, machine learning, and Telco Data. It’s a way to fairly assess sectors once tagged as high-risk or invisible.”

With more than 7 years of big data experience, FinScore has finetuned its credit scoring methods to a science. Its flagship Telco Data Credit Score draws its high predictive power from over 400 telecommunication variables – including voice usage, top-up patterns, call durations, SIM age, and location, and cutting-edge machine learning techniques like Gradient Boosting and Neural Networks.

Georgiev adds, “Creating a causality between how an individual uses their mobile and how their repayment habits are formed is almost unheard of. But FinScore has established a logical, data-driven relationship that all risk teams stand to gain from.

Around 44% of adult Filipinos have zero credit history. Interestingly, however, almost the entire population owns at least one mobile phone. As credit history remains a major obstruction to financial inclusion, FinScore hopes that more banks and financial institutions become emboldened to tap the telco data market. Serving more clients lends much-needed vigor to the Philippine financial ecosystem.

About Mocasa

Mocasa Philippines is an alternative payment method to credit cards, it’s offering customers an option to pay by digital credit anywhere. Every payment you made using Mocasa Credit is interest-free during the billing circle.

For more information, please visit

About FinScore

FinScore is a leading fintech company and credit score provider in the Philippines, providing innovative scoring solutions to the dynamic needs of banks, financial institutions, and credit bureaus. FinScore’s telco data credit scoring in the Philippines allows institutions to offer better services to existing customers, attract new ones, and approach untapped market segments. Through their Telco Scoring model, FinScore provides insights based on 400+ variables, including top-up patterns, voice, and mobile data usage, duration of calls, SIM card age, and many more.

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Media Contact
Miggy Villanueva,
Senior Marketing Manager, FinScore

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.