finscore.ph
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FinScore: The Telco Data Trojan Horse
How a 44-person PH fintech is scoring the unbanked with mobile data
While traditional banks rely on decades of credit history, FinScore is building financial identities for the 77 million unbanked Filipinos through their most personal asset: their mobile phones. This isn't just alternative data—it's a complete paradigm shift in credit scoring.
"FinScore isn't asking for your credit history—it's reading your digital footprint."
The Unbanked Opportunity
With 83,200 monthly searches for 'credit score' in the Philippines and only 22% of adults having formal bank accounts, FinScore targets a massive whitespace. Their 44-person team operates lean, generating $3.1M in revenue by turning telco data into financial inclusion. The real moat? Access to mobile network patterns that traditional institutions can't replicate.
Growth Through Search
FinScore's traffic strategy reveals sophistication: 42% comes from organic search, with 'coins.ph kyc' (590 monthly volume) and 'finscore founder' (90 volume) showing they're capturing both transactional and brand-intent traffic. Their blog targets specific pain points like 'how does online payment fraud happen'—educating while capturing long-tail searches.
The company's tech stack—built on modern frameworks like Vite and Tailwind CSS—suggests a product-first culture. Their presence across Twitter, LinkedIn, YouTube, and Facebook indicates a multi-channel approach to both B2B partnerships and consumer education, crucial for a fintech navigating regulatory and trust barriers in emerging markets.
- Telco data as primary scoring input—unique in PH fintech landscape
- Dual focus on credit scoring AND fraud detection tools
- Lean operations: $70K revenue per employee
- Strong SEO capture of transactional intent keywords
FinScore's Playbook is Working
They've built a defensible position by owning the data layer that traditional finance ignores. The question isn't whether they'll scale—it's how fast the market will catch up.
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Credit Scoring Company in the Philippines | FinScore
FinScore is a fintech company in the Philippines. We offer a credit scoring system and fraud detection tools based on telco data and other alternative sources.
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About finscore.ph
FinScore is a fintech company in the Philippines. We offer a credit scoring system and fraud detection tools based on telco data and other alternative sources.
Company Overview
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finscore.ph uses 18 technologies across their website including YouTube Embed, Font Awesome, Google Fonts, PHP, and more.
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Traffic & Audience
finscore.ph receives approximately 3.1K monthly visitors and ranks #5,452,283 globally. The website has a bounce rate of 46% with visitors viewing an average of 1.7 pages per visit. Users spend an average of 0:46 on the site.
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