Kayana, a venture under the MVP Group, has partnered with Trusting Social Philippines to introduce an AI-powered alternative credit scoring system aimed at helping more Filipinos access loans.
The new system is designed for banks, digital lenders, and fintech firms to better assess borrowers who are often overlooked by traditional credit scoring methods. It combines Kayana’s data analytics capabilities with Trusting Social’s expertise in AI and alternative data modeling.
The partnership comes as many Filipinos remain underbanked despite the rise of digital payments. Data from the World Bank’s Global Findex Database 2025 shows that only 50.2 percent of Filipino adults had financial accounts in 2024, slightly lower than 51.4 percent in 2021 and well below the 83.3 percent regional average in East Asia and the Pacific.
Kayana CEO Jojo Gendrano said the initiative aims to promote economic mobility by turning everyday behavioral data into opportunities for credit access. Trusting Social Philippines CEO Johnny Escaler said the partnership could help more Filipinos access credit for the first time and participate more fully in the economy.
Under the collaboration, Kayana provides behavioral data insights while Trusting Social applies scoring models to generate a creditworthiness rating. The score will be delivered through an API service, allowing financial institutions to make more inclusive and scalable lending decisions.
