Finscore

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.

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Coverage

Universe, instruments and categories.

Industry: Non-Bank CreditFinancial Exchanges & Data
Instruments: equities
Categories: Alternative

Dataset card

Type: not stated
Format: Multimodal — structured feature/score payloads returned per applicant via scoring API, time-series behavioural features (top-up and bill-payment cadence), application-funnel event logs (device, timing, sequencing telemetry), and tabular loan-inquiry records from the bureau-side product
Volume: 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.
Users: N/A — B2B scoring API serving banks, fintechs and credit bureaus; no consumer user base. Client count not published; bounding inference of a few dozen lender/fintech clients (inferred from ~18 employees, ~$1M revenue band, and named client wins such as an installment-payment platform signing FinScore as its credit-scoring partner). Request the lender client count.
History: 8 years
Update frequency: not stated
Growth: Active — current product marketing with 2024-dated site assets, live partnership announcements (an installment platform signing FinScore as credit-scoring partner), an expanding product set spanning alternative credit scoring, Crediview bureau data, banking analytics and credit-risk analysis.
Launched: ~2017-2019 for FinScore as a consumer-scoring product, on an older credit-bureau lineage via the associated Crediview operation (provider record shows an organisation registered ~2019 and a later Merger/Acquisition stage, with website content from 2024). Request the first-scoring-in-production year and the Crediview bureau licence date.
Delivery: not stated
Entity mapping: not stated
Sample: not stated
Point-in-time: not stated
Licence: not stated

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