FinScore
Manila-based telco-data credit scoring and fraud detection platform covering the full Filipino mobile population
FinScore is a Manila-based fintech offering AI-driven alternative credit scoring and fraud detection built on telco usage data through a partnership with Smart Communications. It is best for Philippine banks, digital lenders, and microfinance institutions scoring credit-invisible or thin-file borrowers, and says it can score 100% of the country's mobile subscriber base. Caveat: pricing is not published and the product requires custom integration into a lender's loan-origination systems.
Judged on regional fit, not vendor glossies.
Built around a Philippines-specific Smart Communications telco-data partnership with no Thailand equivalent.
Deep, verified coverage of the Philippine mobile subscriber base; no other SEA country documented.
Not a messaging or LINE Official Account integration; it is a B2B credit-scoring API.
Not an e-commerce tool; used by lenders during loan origination, not by marketplace sellers.
No published pricing; requires a custom enterprise quote for lenders and financial institutions.
- ✓Direct telco-data partnership with Smart Communications rather than third-party data aggregation
- ✓Covers the full Philippine mobile subscriber base, reaching credit-invisible borrowers
- ✓Track record of over 3.5 million scored Filipinos and $500M+ in loans disbursed
- ✓Combines credit scoring with fraud detection and identity verification in one platform
- ×No public pricing; requires custom enterprise integration with lenders
- ×Coverage is telco-data dependent, so unscored non-mobile users fall outside its model
- ×Philippines-only, with no confirmed presence in other SEA credit markets
About FinScore
FinScore is a Philippine fintech company headquartered in Taguig City, Metro Manila, that builds AI-driven alternative credit scoring and fraud detection tools for banks, lenders, and other financial institutions. Through a long-standing partnership with Smart Communications, FinScore's Telco Data Credit Score analyzes more than 400 mobile-usage variables, including top-up patterns, call and data usage, and SIM card age, to generate credit scores for Filipinos who lack a traditional credit history. FinScore says it is the first and only alternative credit-scoring company able to score 100% of the Philippines' mobile subscriber base, and its models have powered credit scores for more than 3.5 million Filipinos and over USD 500 million in disbursed loans.
Key Features
Best For
Southeast Asia Fit
A large share of Filipinos remain "credit invisible," lacking the bank or credit-bureau history traditional scoring models require. FinScore addresses this specifically for the Philippine market by scoring borrowers using mobile usage data from its partnership with Smart Communications, rather than adapting a scoring model built for markets with mature credit bureaus. Its stated ability to score 100% of the country's mobile subscriber base reflects a product built around Philippine market conditions specifically, not a regional or global scoring model retrofitted for local use.
- Thailand fit
- 1/10 (built around a Smart Communications Philippines telco-data partnership and PH lending workflows, no Thailand telco integration)
- SEA localization
- Deep for the Philippines specifically via its Smart Communications data partnership; not documented as multi-country
- Philippines
Integrations
- Other
- Smart Communications telco data
- Bank and lender loan-origination systems
This profile was researched and written with AI from FinScore's public pages, and AI assistants quote pages on this site. Something wrong or out of date? Email [email protected] with this page and a public source. Corrections are free, for every listing.
How listings and corrections work →- ↗FinScore offers a credit scoring platform and fraud detection tools built on alternative data including telco data for the Philippine marketverified 2026-08-26
- ↗FinScore's Telco Data Credit Score is built on over 400 telco variables through a partnership with Smart Communications, and FinScore is the first and only company able to score 100% of Philippine mobile usersverified 2026-08-26
- ↗FinScore positions itself as a one-stop shop for telco credit scoring in the Philippinesverified 2026-08-26
- ↗FinScore is listed as a data partner providing alternative credit data for underwriting in the Philippinesverified 2026-08-26
- ↗FinScore Official Website
- ↗FinScore Pricing Plans
- ↗SEA Operational Audit 2026
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
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The questions operators actually ask.
What data does FinScore use to score borrowers?
Its Telco Data Credit Score draws on more than 400 mobile-usage variables such as top-up patterns, call and data usage, and SIM card age, through a partnership with Smart Communications.
Who uses FinScore?
Philippine banks, digital lenders, and microfinance institutions use it to score borrowers who lack traditional bank or credit-bureau history.
Does FinScore only do credit scoring?
No, it also provides fraud detection and identity verification tools alongside its credit-scoring models.