Biometric Credit Scoring See the Risk Your Data Can't

Your model knows their past.
Vision Score reads their present.

Vision Score is an AI credit scoring model that applies machine learning to the facial image already captured during digital onboarding, turning biometric signals into predictive credit analytics for Philippine lenders. Validated on 1M+ real loan outcomes, it scores thin-file and no-file borrowers with no extra steps for the applicant.

Learn More Book a Demo
Logo (Blue and Black)
Discover how Vision Score helps your business make smarter, faster decisions.
Download Brochure Background
vs-illustration
signal-bg signal signal-mobile
The Signal

Every borrower has an invisible signature

At the point of application, Vision Score captures real-time biometric signals—unique and invisible to traditional models

proof-bg proof proof-mobile
The Proof

Identify risk that historical data misses

Vision Score flags hidden default risks in profiles that appear safe by every historical measure, reading the "present moment" signals that standard models were never built to see.

reach-bg reach reach-mobile
The Reach

Score the borrowers no one else can

For thin-file applicants, Vision Score analyzes onboarding cues—liveness, age, and environment—to generate a standalone risk score with no extra steps or infrastructure.

outcome-bg outcome outcome-mobile
The Outcome

A more accurate, wider portfolio

By pairing historical data with real-time biometric signals, you surface hidden risk and score the "invisible" borrower. Fewer defaults, more approvals.

Built on Data

The Numbers Behind the Score

These are not projected figures. Vision Score is a live product, validated on real loan performance data.

1M+

Real loan outcomes

Vision Score is validated against more than one million actual loan performance records, not projections.

0.63

Gini index

Standalone predictive power: a sharper lens on credit risk than traditional scoring models, from a signal your model has never had.

Zero

Significant bias detected

Unbiased and compliance-ready. Audited across race, gender and age, and built to satisfy BSP model-risk and Data Privacy Act (RA 10173) reviews.

No-file

Borrowers scored

Designed for the credit-invisible: thin-file and no-file Filipino borrowers that bureau data and traditional models cannot reach, with no extra steps for the applicant.

Gini index measured on live Philippine lending portfolios. Results vary by segment; a pilot on your own data confirms the lift before rollout.

How Vision Score Works

Five stages. One score.

Every borrower produces a biometric signal at the moment they apply.

Stage 1
fingerprint
Biometric Signal Capture

Captured within your workflow

Stage 2
liveness-check-2
Liveness Verification

Deepfake, mask & spoofing detection

Stage 3
binary-shield
Risk Parameter Extraction

Validated against real loan performance data

Stage 4
telco-credit-score
Score Calculation

Trained and calibrated on your institution's data

Stage 5
dynamic-adaptability
Decision Integration

Integrated score into your lending workflow

Who it’s Built for

Any Philippine institution making credit decisions at scale.

 

 

Digital Banks and Digital Lenders

Fast decisioning, high volume, thin-file borrowers. You are already comfortable with alternative data and your infrastructure is API-ready. Vision Score adds an independent signal to every application without adding friction — and the pilot cycle is short enough to produce results within a single campaign cycle.

Universal and Commercial Banks

Your scoring infrastructure is strong and your cycles are longer. Vision Score does not ask you to change what you have. It adds a data source your model has never had, and a pilot on your own portfolio shows the lift before anything changes in production.

Rural and Thrift Banks

Your borrowers are often invisible to every traditional data source. That is not a gap in your model. That is a structural limitation of the data. Vision Score was built for exactly this population — producing a credible independent risk signal where no other data exists.

The Full View Webinar Series

Vision Score, shown on real portfolios.

Our risk and data science team walks through what the signal is, what it catches, and how a pilot runs. One live session left, two replays ready now.

Live · Oct 07 2026 · Zoom
Upcoming · seats open

From Compliance to Pilot

The questions compliance asks before a biometric score goes live, how a pilot is scoped on your own data, and what a lender actually sees at the end of it.

Reserve a seat  →

Biometric credit scoring, explained

01 What is biometric credit scoring?

Biometric credit scoring uses signals captured at loan application, such as liveness, facial cues and the applicant’s environment, as an independent credit risk signal. Vision Score turns that signal into a 0 to 100 risk score that runs alongside your existing model.

02 How is Vision Score different from a telco credit score?

A telco credit score reads mobile usage history. Vision Score reads the biometric signal captured during eKYC at the moment of application, so it needs no borrowing history and no telco data. Many lenders run both for a more complete risk picture.

03 Is Vision Score fair and unbiased?

Yes. Vision Score is calibrated on your institution’s own loan outcomes and has passed 30 fairness checks. It is designed to add predictive power for thin-file borrowers, not to penalise any demographic group.

04 How do we pilot Vision Score?

Vision Score is validated on 1M+ real loan outcomes. Most engagements start with a short pilot on your own portfolio, so you see the lift on your data before any rollout. Book a demo to scope it.

More answers in our FAQ, or pair it with the Telco Credit Score.

Book a Demo Today

No Sales Talk.
Just Data Science at Work.

Thank you! Our team will reach out within 1 business day.

Prefer to lock in a time now? You can schedule instantly below.