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Trusting Social established its Philippine entity in 2019. Since then, we've built partnerships with 50+ leading financial institutions — including commercial banks, digital banks, rural banks, lending companies, and cooperatives across the Philippines.

Globally, Trusting Social's solutions have served over 1 billion consumers across Southeast Asia and India, and we bring that depth of regional experience to every engagement here.

Trusting Social was founded in the United States in 2013 and has regional operations in Singapore, Vietnam, Indonesia, India, and the Philippines. TSPH is our dedicated Philippine entity — a fully operational local team based in BGC, Taguig, focused exclusively on the Philippine market.

We combine global AI capability with deep local expertise built through years of operating in the Philippine financial services ecosystem.

TSPH is a B2B company — we partner with financial institutions, not individual consumers. Our clients include commercial banks, digital banks, rural banks, cooperative banks, fintech lenders, and other regulated financial service providers in the Philippines.

We work with institutions at every scale: from major commercial banks managing millions of accounts, to rural banks and lending cooperatives growing their credit portfolio for the first time.

A few things genuinely set us apart:

• Telco-powered credit scoring. Our credit scoring uses behavioral data from Philippine telcos, which lets us score consumers who have no traditional credit history — a segment most solutions simply cannot reach.
• Deep local market presence. With 50+ Philippine institutional partnerships and operations since 2019, we have more local validation data and relationships than most alternatives.
• Flexible commercial models. We offer performance-based arrangements — including shared-risk models — where our fees are tied to actual client outcomes rather than upfront costs.
• Full-lifecycle coverage. From credit scoring and digital onboarding to fraud prevention and AI-driven customer engagement, we cover the full lending lifecycle in a single partnership.

We offer four core solution areas:

• TrustInsight — AI-powered alternative credit scoring using telco behavioral data. Enables lenders to score and approve consumers with no traditional credit history.
• TrustVision — A comprehensive digital onboarding and fraud prevention suite covering eKYC, facial recognition, ID verification, liveness detection, AML screening, and more.
• Sophia — An AI-powered cross-sell and customer engagement agent. Identifies the right customers for the right products and converts them through 24/7 automated outreach.
• Portfolio Building — Co-lending and strategic partnership programs for institutions seeking a deeper, performance-based arrangement.

Solutions can be deployed as standalone products or in combination, depending on your institution's objectives and current stage.

TrustInsight is our AI-powered alternative credit scoring solution. It uses telco behavioral data — mobile usage patterns from subscribers of Philippine telco partners — to generate accurate credit risk scores for consumers who may have little or no formal credit history.

It integrates into your existing credit decisioning workflow via API. When a loan application comes in, TrustInsight returns a risk score in real time — enabling faster decisions, higher approval rates for creditworthy borrowers, and reduced default risk overall.

Available variants include Globe Score V2, Smart Score, and Vision Score (selfie-based scoring).

TrustVision is our end-to-end digital onboarding and fraud prevention platform. It's modular — you can deploy the components you need and add more over time. Capabilities include:

• eKYC and identity verification: OCR document parsing, liveness detection, ID and selfie matching, age verification, ID tampering detection, ID validation
• Digital signing: e-Sign for seamless, fully paperless onboarding
• Fraud prevention: Fraud database lookup, face retrieval, device biometrics, transaction monitoring
• AML compliance: Real-time AML screening, PEP checks, sanctions screening, adverse media monitoring
• Case management: Integrated workflow for fraud investigation and review

TrustVision can be deployed as a complete solution or module by module, starting where you have the most immediate need.

Sophia is TSPH's AI-powered cross-sell and customer engagement agent. It works by identifying creditworthy customers already in your base — using TrustInsight scoring — and then engaging them through 24/7 automated outreach to convert them into active borrowers.

For financial institutions, this means a fully automated pipeline: find the right customers, reach them at the right moment, and convert them — without additional headcount or manual effort. Institutions deploying Sophia have seen up to 2.8x higher sales conversion compared to traditional outreach methods.

Sophia is particularly well-suited for digital banks and commercial banks with large existing customer bases and untapped credit opportunities within that base.

You can start with a single solution. Our products are modular — many institutions begin with TrustInsight for credit scoring on a specific loan product, or deploy a few TrustVision modules for their digital onboarding flow, and expand from there as they see results.

That said, institutions that combine solutions — for example, using TrustInsight for scoring and Sophia for conversion — consistently see stronger business outcomes than those using a single product. We'll help you identify the right starting point for your institution's objectives.

Yes. For institutions seeking a deeper strategic engagement beyond technology deployment, we offer Portfolio Building programs — including co-lending arrangements where Trusting Social participates directly in the lending portfolio alongside the partner institution.

These are long-term partnerships structured around shared outcomes: sustainable portfolio growth, improved credit quality, and expanded financial access. Commercial terms are tailored to the institution's size, product focus, and objectives.

Our primary data source for TrustInsight is telco behavioral data — mobile usage patterns sourced through formal, consent-based data-sharing partnerships with Philippine telcos. These behavioral signals reflect financial reliability, consistency, and usage patterns, and are processed by our AI models to generate credit risk assessments.

We do not rely solely on traditional credit bureau data — which means we can score consumers who have never borrowed before and have no existing credit history on file.

Yes. All data used in our models is sourced through formal data-sharing agreements with licensed Philippine telcos, and consumers have provided consent through their telco service agreements. TSPH operates in full compliance with the Philippines' Data Privacy Act of 2012 (Republic Act 10173) and the guidelines of the National Privacy Commission.

We take data privacy seriously — not just as a compliance matter, but as a foundational requirement for building trust with the institutions and consumers we serve.

Data security is built into every layer of how we operate. All data exchanged between TSPH and partner institutions is encrypted end-to-end. We enforce strict access controls, maintain detailed audit trails, and conduct regular security reviews across our systems.

Each institution's data and scoring results are kept strictly isolated — we do not share client data across partner institutions. Your data is yours, and we treat it accordingly.

Data retention is governed by our contractual agreements with each partner. On termination of the contract, all data associated with your engagement is securely deleted from our systems — including backups. We can provide a certificate of data destruction upon request.

This is standard practice for all TSPH partnerships, and the process is fully documented for audit purposes.

The process starts with a conversation — typically a discovery call where we learn about your institution's specific use case, current challenges, and the outcomes you're trying to drive. From there, we'll recommend the right solution and commercial model, proceed with an NDA, and move into scoping and integration.

We aim to make the early stages as frictionless as possible. Most partnerships begin simply with a conversation — no lengthy RFP process required. The best first step is to reach out to our team.

Integration timelines vary depending on the solution and your institution's technical environment. For API-based products like TrustInsight, integration is typically straightforward and can be completed within a few weeks. TrustVision deployments may take somewhat longer, depending on how many modules are being deployed and how they integrate into your existing onboarding flow.

We provide a dedicated technical team to support your integration from kickoff to go-live, and we'll give you a realistic timeline estimate during the scoping phase.

Our solutions are delivered via API, which means the integration requirements on your side are generally lightweight. Your institution will need a development resource available to handle the API connection. Specific technical requirements depend on the solution and the modules being deployed.

Once we move into the integration phase, we'll provide full technical documentation, sandbox access for testing, and hands-on support from our technical team throughout the process.

Yes — and for most engagements, we recommend it. A model validation or proof-of-concept phase lets your institution see the predictive lift our models deliver on your actual customer data before committing to full rollout.

We design pilots to be low-friction, fast to execute, and easy to evaluate. This is typically how partnerships begin, and it gives both sides a clear, data-driven basis for deciding how to proceed.

Our models consistently outperform traditional credit bureau benchmarks. We measure predictive accuracy using the Gini coefficient — the standard industry metric for credit model performance — and our TrustInsight models have demonstrated significantly stronger predictive power compared to what most Philippine lenders currently use as their primary risk model.

We're happy to share specific performance benchmarks and model validation data during a product discussion with qualified prospects.

Results vary depending on the solution, your institution's starting point, and deployment scope. Across our Philippine client base, institutions have seen:

• Expanded approval rates — accessing creditworthy borrowers previously invisible to their models
• Reduced default risk through more accurate alternative scoring
• Faster, more seamless digital customer onboarding with lower drop-off rates
• Significant improvements in cross-sell conversion rates for institutions using Sophia

We have case study data available for qualified prospects, and we'll typically share outcome benchmarks during the scoping process.

Traditional bureau scoring evaluates consumers based on their credit history — meaning anyone without prior borrowing experience is effectively invisible and unscorable. In the Philippines, this describes a very large portion of the adult population.

TrustInsight uses real-time telco behavioral data, which is available for the large majority of Filipino adults regardless of their banking history. This lets your institution approve creditworthy borrowers your current model would have rejected or simply never encountered. Many of our clients use TrustInsight alongside bureau data to build a more complete and accurate risk picture across their full applicant pool.

TrustVision is built for both — and we don't treat them as a trade-off. AI-powered ID verification, liveness detection, and fraud database checks all happen in seconds in the background, so legitimate customers move through onboarding quickly without added friction.

Fraudulent applications are flagged before they get through. The system is also highly configurable — you set the risk thresholds based on your institution's risk appetite, product type, and customer segment. Faster onboarding and stronger fraud prevention are the same outcome, not competing goals.

Yes. All TSPH solutions are designed to support Philippine financial institutions' compliance with Bangko Sentral ng Pilipinas (BSP) requirements — including those related to digital onboarding, eKYC, AML, and identity verification standards.

We monitor BSP regulatory developments closely and update our solutions accordingly, so our clients can be confident they're working with a partner that stays current — not one they have to chase for compliance updates.

As BSP continues to strengthen its digital security framework — including updated requirements for more robust, phishing-resistant authentication methods — TrustVision's biometric capabilities are well-positioned to help institutions meet these standards. Our liveness detection, facial recognition, and multi-factor verification tools are purpose-built for compliance with evolving digital authentication requirements.

If your institution is currently reviewing your customer authentication processes in response to new BSP guidelines, we're happy to walk you through how TrustVision maps to current and forthcoming requirements.

Yes. TrustVision includes real-time AML screening as part of the digital onboarding workflow — covering PEP (politically exposed person) checks, sanctions screening, and adverse media monitoring. This enables institutions to meet their AML obligations without adding manual steps or creating friction in the customer onboarding experience.

Results are returned in real time and can be integrated directly into your case management workflow for review and escalation where needed.

Responsible financial inclusion is core to why we exist. The majority of Filipino adults have limited or no credit history — making them invisible to traditional lending models and effectively excluded from formal financial services.

TrustInsight was built specifically to address this: it uses telco behavioral data to accurately score consumers who have never borrowed before, enabling lenders to extend credit responsibly to a much larger segment of the population. Globally, Trusting Social's solutions have helped unlock financial access for over 1 billion consumers across Southeast Asia and India — and in the Philippines, this mission drives every solution we build.

We don't publish fixed pricing because the right commercial model depends significantly on your institution's use case, scale, and objectives. Our engagements range from per-transaction or per-score models for individual products, to performance-based arrangements where fees are tied to actual outcomes rather than upfront costs.

For deeper partnerships, we also offer risk-sharing models where Trusting Social shares in the portfolio performance alongside the client — meaning we have skin in the game alongside you. The best way to understand what makes sense for your institution is through a direct conversation with our team.

It depends on where you're starting and what you're trying to achieve. Some institutions come with a specific product need — deploying alternative credit scoring on a particular loan product, for example — and we build from there. Others come with a broader objective — growing a specific portfolio, reducing fraud losses, improving onboarding conversion — and we design the right solution combination around that goal.

Our most advanced partnerships include shared-risk arrangements where TSPH participates in the portfolio performance alongside the client. Every engagement is different, and we design it around your outcomes — not a fixed template.

Yes. We work across the full spectrum of Philippine financial institutions — from major commercial banks and digital banks to rural banks, cooperative banks, and independent lending companies. Our solutions are built to deploy at different scales, and we have experience working with institutions at varying levels of digital maturity.

If you're a smaller institution that's earlier in your digital transformation journey, we'll work with you to find the right entry point — and build from there.

Reach out through the contact form on this site or email us directly at marketing.ph@trustingsocial.com. We'll arrange an initial call to understand your institution's needs and assess how we can add value.

No lengthy procurement process required to get started — just a conversation. We typically respond within one business day.