Telco Credit Score The True Score of Financial Inclusion

For millions of Filipinos, their creditworthiness is invisible—but not to us. Our AI analyzes anonymized telco footprints to uncover over 50,000 unique credit signals.

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TrustInsight telco credit score of 742 displayed on a mobile phone, showing a low-risk assessment for a Philippine applicant with no credit bureau file

Tap New Borrowers

Access underserved and first-time markets

Filipino retail worker checking a credit score of 820 on his phone

Instant Underwriting

Make accurate decisions in real time

Shopper receiving a personal loan approval in real time on her phone

Reduce Risk

Proactively prevent credit and fraud issues

Loan officer reviewing a credit risk assessment at her desk

Mobile phone signal as the input to telco credit scoring

Anonymized Mobile Usage Data

Trusting Social Component Models

Anonymized Call & SMS history

Location

Transaction history

VAS Transaction history

Income

Employment

Financial Skills

Social Capital

Consumption Profile

Life Habits

Filipino applicant scored at 820 using telco behavioural data

820 300 - 850 Score Range

Filipino man smiling as he checks his telco credit score on a mobile phone

How Trusting Social's Telco Credit Scoring Works

Turning telco data into credit decisions

Our machine learning models read anonymized telco behavioral data—mobile usage, top-up and tenure patterns—to produce a fair, privacy-first credit risk assessment for every applicant, even those with no credit history.

Score range: 300 - 850
Input: Phone number
Output: Credit score
Key Features: Dynamically updated based on latest data, orthogonal to other data sources, and doesn’t use any device data
Validation results: Model performs well with a Gini coefficient reaching 0.8

GINI reaches 0.8

Assess risk, fraud, and affluence

Capture behaviors never recorded

Frequently updated data

Built on near universal samples

Coverage across data sources

The AI Advantage

Proprietary Intelligence Engineered for Precision

Our alternative credit scoring models are built for Philippine lenders — validated on local portfolios, compliant with the Data Privacy Act, and designed to run alongside your existing credit bureau data.

Accurate Credit Risk Scoring

Our industry-leading Gini coefficient (up to 0.8) is your assurance. Predictive credit analytics mean fewer false negatives and more secure, profitable loans.

Privacy-First Alternative Data

We respect digital boundaries. Scores are generated from consent-based, anonymized data without accessing sensitive device data, in line with the Data Privacy Act.

Works With Your Credit Bureau

Alternative credit data works alongside your scorecard and credit bureau data, filling the blind spots traditional sources leave for unbanked and thin-file applicants.

AI Models, Local Experts

The technology is world-class, but the engine is run by local experts in the Philippines. When you have questions, you get a trusted human partner, not a bot.

Vendors and shoppers at a Philippine public market, representing the unbanked borrowers credit bureaus cannot see

Credit scoring for the Filipinos bureaus can’t see

Most Filipino adults own a mobile phone. Many have never borrowed from a bank, so a credit bureau can’t see them.

TrustInsight uses alternative credit data, anonymized telco signals shared with consent, to score unbanked and thin-file borrowers the bureau misses. One API call returns a credit risk assessment in real time, validated on your own portfolio before rollout.

Telco vs. Credit Bureau

Telco credit score vs. credit bureau score

A bureau score needs a borrowing history. A telco credit score does not. Here is how the two compare, and why most of our clients run both.

Criteria	Credit bureau score	TrustInsight Telco Credit Score
Who can be scored	Consumers with a borrowing history.	Most Filipino adults, including the unbanked.
Data source	Past loans and repayments.	Anonymized, consent-based telco behavioral data.
Speed	Depends on bureau lookup.	Real time, via API.
Best use	Applicants with an established file.	Thin-file and first-time borrowers, or a second signal alongside the bureau.

Adding TrustInsight to bureau data gives a more complete risk picture across the whole applicant pool. Read more on why loan defaults in the Philippines keep rising

Frequently Asked Questions

Telco credit scoring, explained

What is telco credit scoring?

It predicts a borrower’s credit risk from mobile usage behavior (top-up patterns, usage consistency and account tenure) instead of relying only on past loans. Because most Filipino adults have a mobile phone but many have no credit history, it lets lenders score first-time borrowers accurately.

Can TrustInsight score unbanked Filipinos?

Yes. TrustInsight was built for consumers with little or no credit bureau history. It scores unbanked, thin-file and first-time borrowers using consent-based telco data available for the large majority of Filipino adults.

What data does TrustInsight use?

Anonymized telco behavioral data sourced through formal, consent-based partnerships with licensed Philippine telcos, processed in compliance with the Data Privacy Act of 2012 (RA 10173). It does not access sensitive device data.

How accurate is it?

TrustInsight models consistently outperform traditional bureau benchmarks, with a Gini coefficient of up to 0.8. We share validation results with qualified prospects, and most engagements start with a pilot on your own data.

What does telco score mean?

A telco score is a credit risk score built from how a person uses their mobile number: anonymized, consent-based telco data such as top-up patterns, usage consistency and account tenure. Lenders use it to assess borrowers who have little or no credit bureau history. TrustInsight Telco Credit Score returns it in real time on a 300 to 850 range.

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