JuanHand, a digital lending platform, is using artificial intelligence (AI) to make credit more accessible to Filipinos who are often left out of traditional banking systems.
By analyzing alternative data, such as utility payments, online shopping habits, and social media activity, JuanHand’s AI technology enables quick and inclusive credit checks. The company can approve a loan in as little as five minutes with just one valid ID. Almost all parts of the lending process are powered by AI, including credit scoring, fraud detection, and customer onboarding.
As part of FinVolution Group, which is listed on the New York Stock Exchange, JuanHand uses a proprietary AI engine that has been tested in China’s fast-paced fintech market. It also applies deep learning to better understand customer behavior through unstructured data, such as app usage and support messages, providing insights beyond traditional financial records.
JuanHand aims to help borrowers improve their financial standing. For users who show responsible repayment habits, the company gradually increases loan limits and helps them qualify for better financial terms. The goal is to help users transition from nano-loans to becoming customers of mainstream banks.
To support this, JuanHand works with partners such as Maya Bank, Netbank, and Security Bank. These partnerships allow banks to reach new markets through shared digital platforms and funding.
The company also focuses on responsible AI practices by using tools that explain how decisions are made and following international standards on data privacy and fairness.
So far, JuanHand has disbursed over ₱55 billion in loans to more than 2.5 million first-time borrowers. It continues to grow its services to include not just sub-prime borrowers, but also semi-prime and prime users who may still face barriers to formal credit.
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