SunLoan Lending Investors Corp., the company behind digital lending platform Cashify, has partnered with FinScore to strengthen Cashify’s credit assessment capabilities through alternative credit scoring data.

SunLoan is registered with the Philippine Securities and Exchange Commission (SEC) under SEC Registration No. CS201900565 and holds Certificate of Authority No. 2872 to operate as a lending company.

It will leverage FinScore’s telco-based credit scoring solutions to gain additional insights into the creditworthiness of Cashify applicants.

This complements traditional credit information with telecommunications-based behavioural insights, supporting a broader assessment of borrowers, including those with limited or no established credit history.

As of July 2026, Cashify has 3.29 million registered users and 527,000 borrowers, reflecting the growing scale of digital lending in the Philippines and the need for credit assessment processes that can evaluate an increasingly broad and diverse customer base consistently and efficiently.

The partnership also supports Cashify’s broader use of technology and data in promoting responsible digital lending.

Cashify employs AI-driven and data-supported systems in its borrower evaluation and lending processes, helping strengthen consistency and risk assessment while maintaining sound lending practices, clear borrower communication, and responsible credit use.

“Technology creates value when it helps us make consistent credit decisions, manage risk prudently, and strengthen our ability to serve customers,” explains Glenn Yves Berdan, Finance Head and Treasurer of Cashify.

“It should support responsible lending, not replace sound financial judgment and accountability.” 

FinScore’s Telco Credit Scoring solutions provide lenders with behavioural insights derived from telecommunications data across the country’s major mobile networks.

Its scoring models analyse hundreds of telco variables, including data and voice usage, top-up patterns, location, device information, and other behavioural indicators.

By incorporating these additional signals into the credit assessment process, lenders can gain a broader view of an applicant’s financial behaviour and creditworthiness.

“We are pleased to partner with SunLoan as Cashify continues to scale its digital lending operations,” said Iliya Tsopanov, Head of Data at FinScore.

“Telco data can add meaningful signals to the credit assessment process, particularly when lenders are evaluating a large and diverse pool of applicants. By making these insights available across the top mobile networks, FinScore helps Cashify incorporate additional behavioural indicators into its decisioning process and strengthen its ability to assess applicants efficiently and consistently at scale.”

As digital lending becomes increasingly embedded in how consumers access credit, trust will depend on more than speed and convenience.

How lenders use data, evaluate borrowers, explain loan terms, and encourage responsible borrowing will all shape the customer experience.

Through its partnership with FinScore, Cashify is strengthening its use of data in credit assessment while continuing to focus on clear and responsible lending practices.

This reflects the broader need for digital lending to be not only accessible, but also transparent and accountable to the consumers it serves.

Featured image via FinScore Press Release.