City Savings Bank Gears Up Telco Credit Scoring with FinScore for More Inclusive Motorcycle Loans

City Savings Bank (CitySavings), the thrift bank subsidiary of Union Bank of the Philippines (UnionBank), and a member of the Aboitiz Group, has sealed a partnership with FinScore as one of their technology partners for credit scoring and fraud flagging. With the partnership, FinScore will provide credit scoring for City Savings Banks’ motorcycle loan applicants. The bespoke model is based on over 400 telco variables such as data and voice usage, top-up patterns, location, and device data.

FinScore will also provide fraud detection tools that will allow City Savings Bank to verify details such as the authenticity of the applicant’s declared residential and place of work addresses. The program uses API integration to make real-time inquiries that will help to determine the creditworthiness of applicants.

With FinScore’s highly predictive machine learning technology, CitySavings is now geared up to open more opportunities to approve loans for both banked and underbanked applicants.

About FinScore:
FinScore ( is a financial technology company in the Philippines that offers a powerful credit scoring platform and fraud detection tool based on alternative data, including telco-based data. As the pioneer in lending and scoring of the unbanked in the Philippines, they continuously empower banks, financial institutions, and credit bureaus with flexible platforms to help them make insightful and reliable credit decisions.