Finscore

FinScore (Crediview / FinScore Philippines) — Philippine alternative-data credit-scoring corpus for the unbanked and credit-invisible population: telco-derived signals (mobile 'load' top-up frequency and regularity, prepaid balance behaviour, tenure of number), utility and bill-payment patterns, digital application-behaviour telemetry from lender onboarding funnels, plus socio-demographic and financial-history attributes used in the traditional Philippine scoring process. Adjacent to this is an extensive loan-inquiry dataset from the associated Crediview credit-bureau operation (per-applicant…

Finscore offers (Alternative, Fundamental, Sentiment) — Not published. Bounding inference: the market it addresses is large — a Philippine unbanked population measured in the millions (its own page cites the PSA/Land Bank 2022 programme reaching 8.4 million unbanked Filipinos, of whom 5.8 million opened accounts) — so a scoring vendor operating across multiple lenders plausibly holds millions of scored-applicant records with telco/bill-payment feature histories, plus a loan-inquiry table at lender-query frequency across its bureau-side product. Request scored-applicant totals, telco-partner coverage, and inquiry-record counts..

Thin-file and unbanked consumer underwriting (its stated purpose), financial-inclusion model development for markets without credit history, prepaid-telecom and bill-payment feature engineering transferable to other emerging markets, application-fraud and synthetic-identity model training from onboarding-funnel telemetry, credit-shopping/over-indebtedness detection from inquiry data, price-risk optimisation (lower origination cost and tailored rates are the stated benefit), and student/young-professional segment scoring where no bureau record exists.

The data is with 8 years of history.

Coverage spans APAC, US; Non-Bank Credit, Financial Exchanges & Data; alternative, fundamental, sentiment; equities.