Trusting Social and Datung Partner to Assess Borrowers Beyond Traditional Credit Records

The integration adds telco-based scoring to a lending process that also considers cash flows and field insights.

Trusting Social Philippines has integrated its AI-powered telco credit score into Datung’s underwriting system, aiming to help the microfinance company assess Filipino micro-entrepreneurs with limited formal borrowing records.

Announced on November 4, 2026, the partnership covers unsecured personal loans and microfinance.

According to the companies, the integration allows Datung to make loan decisions in minutes by adding alternative credit information to its assessment process. That claim describes the system’s intended capability, rather than a guarantee of approval or processing time for every applicant.

Looking Beyond a Conventional Credit File

For a business owner without an established borrowing history, a lender may have little conventional information available to assess an application.

Trusting Social says its scoring models use behavioral signals, including payment consistency and activity patterns, to provide an additional assessment tool.

The company’s score feeds into Datung’s broader underwriting process, which also considers e-wallet cash flows and information gathered by field officers.

Datung chief executive officer Kasper Abildgaard Svendsen described underwriting as a learning system that brings these different sources together.

Field Relationships Remain Part of the Process

Datung chief operating officer Charan Uttamchandani said the technology complements the company’s group-based approach, training, and visits to borrowers’ workplaces.

The scoring tool is intended to help identify people for further assessment, rather than replace those relationships.

Trusting Social Philippines chief executive officer Johnny Escaler said the partnership aims to reduce one barrier facing business owners whose financial reliability is not reflected in traditional records.

For borrowers, access still depends on Datung’s assessment and applicable loan terms. The announcement does not provide interest rates, loan amounts, repayment schedules, or a universal eligibility checklist.

The partnership’s central promise is a broader basis for evaluating applicants: using additional information to consider entrepreneurs who might otherwise have a thin credit file.

Readers can learn more through Trusting Social Philippines and Datung.

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