COMMUNITY | Kayana, Trusting Social launch alternative credit score for underserved Filipinos
The collaboration seeks to address gaps in traditional credit scoring by using artificial intelligence and alternative data to assess creditworthiness.
Kayana and Trusting Social Philippines announced a partnership to develop and launch an alternative credit scoring system aimed at expanding access to financing for underserved Filipinos.
The collaboration seeks to address gaps in traditional credit scoring by using artificial intelligence and alternative data to assess creditworthiness, particularly for individuals with little or no formal credit history. The system is designed for use by banks, digital lenders and financial technology firms.
The initiative comes as financial inclusion in the Philippines remains uneven despite growth in digital payments. Data from the World Bank’s Global Findex Database 2025 showed that 50.2% of Filipino adults had financial accounts in 2024, slightly down from 51.4% in 2021 and below the 83.3% regional average in East Asia and the Pacific.
Under the partnership, Kayana will provide behavioral data insights derived from its data systems, while Trusting Social will apply its scoring models to translate these inputs into a creditworthiness score. The output will be delivered through an API-based platform that financial institutions can integrate into their lending processes.
“Providing an alternative credit score is our commitment to economic mobility,” said Jojo Gendrano, CEO of Kayana. “By fusing rigorous data acquisition with advanced modeling, we’re turning everyday behavioral signals into credit opportunities—so lenders can say ‘yes’ to more deserving Filipinos, responsibly.”
Johnny Escaler, CEO of Trusting Social Philippines, said the partnership aims to enable more Filipinos to access credit for the first time.
“We’re proud to co-engineer this with Kayana and this is a milestone worth celebrating. When more Filipinos access credit for the first time, they build and grow something. They step into an economy that finally made room for them,” Escaler said.
He added that the partnership focuses on measurable impact. “Technology earns its place when real people feel the difference. That’s the measure we use. And that’s the promise behind everything we’re building with Kayana.”
The companies said the alternative scoring system is intended to support more inclusive lending decisions while maintaining responsible risk assessment standards.
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