Trusting Social
Singapore and Vietnam-built telco-data alternative credit scoring AI used by SEA banks and lenders
Trusting Social is an alternative credit scoring AI platform best for Vietnamese banks, Indonesian BNPL providers, and Filipino digital lenders underwriting thin-file consumers beyond bureau coverage. Its SEA edge is telco data partnerships with Viettel, VinaPhone, and Telkomsel that produce stronger predictive lift than smartphone-metadata-only alternatives like CredoLab. The caveat: telco partnership integration is heavy — if your team can't run a 6-month carrier-level deployment, CredoLab's lighter integration is the realistic alternative.
- ✓Telco carrier partnerships (Viettel, VinaPhone, Telkomsel) produce strong predictive lift
- ✓Sub-3-second decisioning at point of loan application
- ✓Validated across 1+ billion scored applications across SEA
- ✓BNM, OJK, BSP-aligned model governance documentation
- ✓Per-score pricing (USD 0.40-1.50) scales with lender volume cleanly
- ×Telco partnership integration is a heavy, multi-quarter deployment effort
- ×CredoLab is lighter if telco partnership lift is a blocker
- ×Per-score model can compound costs at very high application volume
- ×Reviews count of 167 reflects a small, regulated-lender customer base
About Trusting Social
Trusting Social is a Singapore and Ho Chi Minh-headquartered alternative credit scoring AI combining telco data, social network signals, and behavioral patterns for SEA bank, BNPL, and digital lender underwriting. Used by Vietcombank, VPBank, and major SEA financial institutions to score thin-file consumers across Vietnam, Indonesia, the Philippines, and India.
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Is Trusting Social better than CredoLab for Indonesian BNPL?
It depends on integration appetite. Trusting Social wins when telco depth (Telkomsel partnership) matters more than integration speed. CredoLab wins when telco partnership lift is too heavy and smartphone metadata is good enough.
Does Trusting Social work in Vietnam?
Yes — Vietnam is a core market via Viettel and VinaPhone partnerships, used by Vietcombank, VPBank, and major Vietnamese digital lenders.
How much does Trusting Social cost per credit score?
Roughly USD 0.40 to USD 1.50 per score depending on data depth and volume. For 100,000+ monthly applications, volume pricing typically lands at the lower end.
Is Trusting Social compliant with OJK rules?
Yes. BNM, OJK, and BSP-aligned model governance documentation is part of the standard deployment package for SEA regulated lenders.