Trusting Social

Trusting Social, founded in 2013, builds AI-based credit risk assessment systems that draw on alternative data from mobile, social and web sources. The company's stated aim is to extend credit access to consumers who are poorly served by conventional credit scoring; it puts the size of the financially invisible population at nearly 3 billion people worldwide. Its technical work spans machine-learning credit modelling, predictive analytics over alternative data, digital identity verification and fraud detection.

Products include Trust Scores, an AI creditworthiness assessment built on alternative data; Trust Vision, for identity verification and fraud detection; Smart Customer Acquisition, a targeted lending and acquisition tool; and Kompato AI, an AGI-powered debt collection platform designed around an empathetic, AI-native approach to collections.

The firm reports a credit risk profile database covering more than 1 billion consumers, described as the largest in Asia, and processes 120 billion records a week. More than 130 financial institutions use its systems, enabling over $800 million in monthly personal loan disbursements. The team includes more than 20 Ph.D. data scientists.

Trusting Social operates in Singapore, Vietnam, Indonesia, India, the Philippines and Mexico, working across banking, consumer lending, credit scoring, digital identity and debt collection. Its stated philosophy is to widen access without lowering lending standards.