Trusting Social

Trusting Social is a fintech company founded in 2013 that builds AI-powered credit risk assessment tools for emerging markets. Using alternative data drawn from mobile, social, and web sources, it evaluates consumers who lack conventional credit histories. The company describes its mission as expanding access to credit without lowering lending standards, targeting nearly 3 billion people worldwide who are considered financially invisible.

Its product suite includes Trust Scores, an AI-based credit assessment tool; Trust Vision, for digital identity verification and fraud detection; Smart Customer Acquisition, for targeted lending customer acquisition; and Kompato AI, an AGI-powered debt collection platform built around an empathetic, AI-native approach to collections. Technical work spans AI/ML risk assessment, alternative data analytics, credit scoring models, digital identity verification, fraud detection and data science.

The company's credit risk profile database is the largest in Asia, covering more than 1 billion consumers, and processes 120 billion records weekly. It powers over 130 financial institutions and supports more than $800 million in monthly personal loan disbursements. The team includes more than 20 Ph.D. data scientists.

Trusting Social operates across Singapore, Vietnam, Indonesia, India, the Philippines and Mexico, serving financial services, consumer lending, banking and fintech clients in emerging markets. Its stated focus includes hardworking families, small business owners and aspiring homeowners, and it positions its work as replacing credit scoring technology dating from the 1970s.