The collaboration aims to scale credit access nationwide by leveraging DITO data through the FinScore platform.
As part of its 2026 roadmap of key product and network expansions, FinScore, one of the leading legitimate sources of Telco Data in the Philippines, has announced a strategic partnership with DITO Telecommunity Corporation.
This collaboration marks another milestone in FinScore’s ongoing mission to reshape credit access nationwide through data-driven innovation.
Through the partnership, FinScore will leverage insights from DITO to further enhance its telco-based credit scoring models for DITO mobile subscribers applying for loans or credit with banks, lenders, and other financial institutions.
Telco Subscriber Growth Opens New Lending Opportunities
The integration of DITO’s network intelligence into FinScore’s advanced credit scoring platform strengthens lenders’ ability to assess risk and approve credit more accurately, particularly for applicants without traditional credit histories.
This is especially relevant as DITO continues to record strong subscriber growth in provincial and emerging areas where credit gaps are most pronounced. Early signals from lender activity already show meaningful traction, with DITO-linked inquiries accounting for 7% to 20% of portfolios in certain geographic locations.
As with other recent FinScore initiatives, this development empowers financial institutions to expand their customer base with greater confidence, improve approval rates, and reduce default risks while supporting responsible financial inclusion across the country.
Scaling Credit Access with Alternative Data
FinScore’s platform combines advanced analytics and machine learning (ML) to convert telco data into actionable financial insights.
With a proven 100% hit rate, FinScore ensures that every applicant can be credit scored, eliminating “no-score” cases and enabling faster, more inclusive lending decisions.
The company has already demonstrated the effectiveness of telco-based credit scoring through data-sharing partnerships with other telecommunications providers.
Together with its clients, FinScore has enabled credit underwriting for unbanked and underbanked segments nationwide. To date, FinScore has delivered more than 50 million credit scores and facilitated over USD 5 billion in loans.
“Alternative data continues to reshape the way lenders evaluate borrowers,” said FinScore CEO Alan Thornton.
“We are seeing strong adoption across motorcycle financing, BNPL providers, digital banks and traditional financial institutions. Our collaboration with DITO accelerates that momentum as we continue building the future of lending.”
FinScore Head of Data Iliya Tsopanov added “FinScore is always looking to bring in more telco-based products to the market. By expanding our ecosystem, we are helping create a more inclusive and scalable financial environment powered by responsible data use and advanced analytics.” The partnership highlights the growing synergy between the telecommunications and fintech sectors in driving the country’s digital transformation.
By combining data intelligence with financial innovation, FinScore and DITO aim to create a more inclusive and connected financial ecosystem for all Filipinos.
Source: fintechnews.ph
