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Finscore and SB Finance Enable Filipinos to Better Their Credit Score Using Alternative Data

To serve many Filipinos who lack a financial history, consumer lending company SB Finance has partnered with FinScore to enhance its credit scoring efforts using alternative data. Using FinScore’s Telco Credit Scoring Solution, SB Finance will be able to predict the creditworthiness of borrowers and assess their capability to avail of the company’s various loan offerings.

“With several Filipinos needing access to funds, being able to determine their creditworthiness is critical, as we rise from the economic effects of the pandemic. Through our collaboration with FinScore, more Filipinos will be able to avail of SB Finance’s services, therefore, improving financial inclusion to those with no credit footprint,” says Abbie Casanova, President and CEO at SB Finance

In 2020, Security Bank Corporation and Bank of Ayudhya (Krungsri) in Thailand entered a strategic partnership to form SB Finance which provides multi-purpose loans to clients.

Besides financial enablement, SB Finance is on a mission to empower Filipinos from all walks of life to reach their milestones by making informed decisions about money, business, and their finances.

FinScore‘s solutions are based on over four hundred (400) telecommunication variables such as voice usage, top-up patterns, duration of calls, SIM card age, location, and many more. Derived through cutting-edge systems, such as Gradient Boosting and Neural Networks, the Telco Score has high predictive power and offers unique data about consumers. The technology can be easily integrated via ACE Web-based Portal or API integration.

This year, FinScore was dubbed as the “Fastest Growing Digital Credit Scoring Platform” by Global Economics Awards and “The Best Fintech Start-up in The Philippines” by The Asset Triple A Awards. With the growing needs of enterprises to grow their businesses and address the market’s needs, FinScore continues its pursuit of developing and providing analytics solutions for a more inclusive scoring.

Christo Georgiev, FinScore Country Manager and Chief Strategy Officer said, “The team is tremendously thrilled to have SB Finance onboard. It’s a fantastic partnership, since FinScore and SB Finance share the same mission of making credit accessible to Filipinos who lack financial history. This partnership will pave way for the underserved markets to gain confidence and establish creditworthiness powered by alternative data and predictive analytics.”


  • Francis is a journalist and our lead LatAm correspondent, with a BA in Classical Civilization, he has a specialist interest in North and South America.

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