Finscore

FINSCOREbuyer room · privateManage buyer room

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 inquiry records with loan-inquiry volume, structure and recency across lenders), and bank-analytics products implying open-finance/bank-transaction derived features. Fraud-detection outputs imply an accumulated labelled adverse-event/fraud index.