The digital bank leverages AI-driven credit scoring and ecosystem integration with a uniquely-qualified fintech to expand responsible lending in the nation.
Maya Bank, a digital-only bank launched in 2022, has quickly emerged as the largest digital bank in the Philippines by customer count and transaction volume.
It tackles the challenge of providing financial services to underbanked Filipinos, especially in regional areas where physical banking options remain scarce. Maya’s previous hurdles included scaling AI-driven credit risk scoring, fraud detection, and unifying payments, deposits, and lending into one seamless digital platform.
On 18 September 2025, the bank announced a loan channeling partnership with a fintech lender, Atome (Philippines), expanding consumer credit access with a ₱2.75bn facility.
The initiative reflects the bank’s focus on responsible, risk-managed growth while increasing credit availability.
Key technical innovations
Underpinning Maya’s progress are:
- AI-driven credit scoring models enabling reliable lending decisions for customers with limited credit histories
- Distributed data infrastructure for real-time transaction monitoring and fraud mitigation
- Integrated digital ecosystem combining payments, savings, and credit in a single platform
- Secure API-based fintech partnerships to accelerate service delivery and product innovation
By embedding payments data into credit assessments and leveraging advanced analytics, Maya is driving rapid loan growth — especially outside Metro Manila, where 70% of customers reside. Half of Maya’s “easy credit” borrowers obtained their first formal loan on the platform, highlighting its role in financial inclusion.
Said the bank’s President, Angelo Madrid: “This collaboration brings fast, secure financing to underserved customers.”
According to Christian Quiros, President and Country General Manager, Atome (Philippines), his firm’s advanced AI-driven credit risk management and a mobile-first embedded finance platform can extend responsible, scalable credit access tailored to underbanked Filipino consumers, enabling fast and transparent lending beyond what typical investors provide.
By channeling loans through a risk-managed, transparent digital process, the collaboration promotes fast, secure, and flexible financing options that foster financial inclusion and long-term resilience. It exemplifies how technology-driven ecosystems can balance innovation and regulation to close the credit gap in emerging markets.
