Many consumers in the Philippines are credit invisible because they don’t have access to banking systems. In turn, businesses can’t tap into the credit potential of the unbanked. A new generation of fintech companies, including FinScore, is trying to close that gap with telco data.
With FinScore, we analyze 400+ telco data variables such as SMS, top-up, top 10 contacts list, location, voice, and mobile data usage, so we can predict their creditworthiness.
When analyzed over months and with other signals, FinScore can accurately predict the user’s overall creditworthiness. Our geo-location fraud tools also break down the Internet’s barriers to anonymity, our safeguard against fraud and other online security issues.