From score to smarter, safer credit growth
01
Benchmark borrower risk with one trusted score
Standardise credit decisions with a transparent three-digit score from 300 to 850 that lenders across the Philippines can rely on. Build confidence in every approval by replacing subjective judgment with data-backed consistency.
02
Achieve proven predictive accuracy with Gini up to 75%
Each CBP Scores model delivers strong discriminatory power, with a Gini Coefficient of up to 75% and Kolmogorov–Smirnov (KS) statistic of up to 58%. These results provide clear, quantifiable confidence in identifying reliable borrowers and predicting default risk with precision.
03
Accelerate credit approvals and decision speed by up to 30%
Integrate CBP Scores directly into your workflows to automate applicant assessments and eliminate manual review delays. Approve qualified borrowers faster, without sacrificing accuracy or compliance.
04
Tailor scoring precision to every portfolio
Select from three rigorously validated models – Instalment, Credit Card, and Consumer, designed to match the dynamics of your lending segments. Each model is optimised to predict short-term defaults within 2–4 billing cycles, supporting proactive risk control.
05
Expand safe access to credit for underserved borrowers
Identify low-risk, thin-file borrowers who might otherwise be overlooked. Use CBP Scores to extend fair access responsibly, helping drive financial inclusion while maintaining portfolio stability.
Where credit history becomes a risk signal
The CBP Scores transforms Credit Information Corporation credit data into a three-digit score between 300 and 850, distilling complex borrower behaviour into a clear, predictive benchmark that lenders can trust to guide decisions.
Driving safer approvals across every portfolio
Banks and traditional lenders
Use CBP Scores as a trusted benchmark to standardise borrower risk assessment and refine lending thresholds. Strengthen approval policies, ensure compliance alignment, and support more precise risk-based pricing strategies, all backed by consistent, data-driven insight.
Digital lenders and BNPL
Predict default and late-payment risk earlier (within 2–4 billing cycles), to stay ahead of short-term defaults. Accelerate onboarding, minimise losses, and grow safer lending volumes with confidence and speed.
Fintechs and neobanks
Embed CBP Scores into your digital journeys to increase approval speed without compromising on risk. Automate credit assessment, improve decision accuracy, and deliver smoother, faster customer experiences from application to approval.
Microfinance and rural banks
Use CBP Scores to responsibly expand credit to thin-file borrowers. Promote financial inclusion while keeping portfolio discipline and risk exposure under control.
Credit card issuers
Use CBP Scores as a trusted benchmark to standardise borrower risk assessment and refine lending thresholds. Strengthen approval policies, ensure compliance alignment, and support more precise risk-based pricing strategies, all backed by consistent, data-driven insight.
Auto and consumer finance companies
Leverage the Installment Score model to evaluate borrowers for vehicle and consumer loans. Approve low-risk applicants faster and reduce repossessions through more precise risk prediction.
Predict risk, unlock growth
With three tailored models and proven predictive strength, CBP Scores gives you the clarity to expand access, the speed to approve more good borrowers, and the confidence to grow safer, stronger portfolios.