Kayana and Trusting Social Forge Strategic Partnership to Launch an Alternative Credit Score, Advancing Financial Access for Underserved Filipinos

Kayana and Trusting Social Philippines jointly announced a strategic partnership to co‑create and launch an alternative credit score powered by Kayana, an AI and alternative‑data–powered creditworthiness signal designed to help banks, digital lenders, and fintechs responsibly extend credit to Filipinos long overlooked by traditional scoring systems. The partnership combines Kayana’s deep data intelligence with Trusting Social’s AI‑driven scoring expertise and proven alternative‑data credit modeling to unlock broader, fairer access to finance at scale.

Despite rapid growth in digital payments, many Filipinos still remain unbanked or underbanked—limiting access to affordable, formal credit. The World Bank's Global Findex Database 2025 found that only 50.2% of Filipino adults had financial accounts in 2024, down slightly from 51.4% in 2021, and significantly below the 83.3% regional average for East Asia and the Pacific. For first-time borrowers with no credit history, the gap runs even deeper.

“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, added, “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. That's the kind of impact that outlasts any product or platform, and that’s what this partnership means to us.”

In this collaboration, Kayana and Trusting Social co‑create the creditworthiness signal: Kayana delivers refined, insight-rich behavioral attributes derived from its extensive data practice, while Trusting Social applies complementary scoring models to integrate these attributes into a lender-ready decisioning output. The resulting score is delivered through an API-driven service that enables financial institutions to access more inclusive and reliable credit assessments at scale.

“Technology earns its place when real people feel the difference,” said Escaler of Trusting Social. “That's the measure we use. And that's the promise behind everything we're building with Kayana.”