For many Filipinos, the word “utang” carries a mix of hope and hesitation. It can mean a chance to start a small business or pay for a child’s tuition, but it can also bring fears of scams, high interest rates, and unending debt. According to TransUnion’s 2025 Credit Perception Index, the Philippines scored 73 out of 100: proof that while caution remains, trust in credit is gradually taking root.
As the Philippine arm of NYSE-listed FinVolution Group, JuanHand benefits from the parent company’s extensive regional experience and technological backbone. This includes FinVolution’s proprietary AI and machine learning platform, which JuanHand also applies in the local market. The platform processes massive volumes of data to deliver faster, more precise credit assessments. To maximize effectiveness, these universal technologies are tailored to local needs, considering borrower behavior, risk patterns, and regulatory requirements. This allows JuanHand to responsibly extend credit to first-time borrowers while maintaining low default rates.
For many Filipinos, borrowing money has long been a way to get through tough times. It can help to pay for food, tuition, medicine, or bills when income falls short. These needs remain real and urgent. But as the economy shows signs of stability, it’s also time to ask: Can loans be more than just a last resort?
Artificial intelligence (AI) is helping to bridge this gap by leveraging alternative data, like utility payments, e-commerce activity, and social media behavior, to enable faster, smarter, and more inclusive credit assessments. Citing the Bangko Sentral ng Pilipinas (BSP), the Alliance for Financial Inclusion (AFI) highlights alternative data as a strategic priority in advancing financial access nationwide, and lending platforms like JuanHand are implementing this vision. It utilizes AI to expand access to credit for millions of Filipinos traditionally excluded from the formal financial system.
JuanHand, the Philippines' leading online lending platform, has been named Outstanding Fintech Platform at the 2025 Global Brand Frontier Awards, solidifying its position as a global innovator.
Netbank Inc., a leader in rural banking, has partnered with JuanHand, the country's leading pure fintech lending app, to broaden its reach to the unbanked and underserved communities across the nation.
A recent study by Agile Data Solutions Inc., a market research firm specializing in consumer behavior analytics, recognizes JuanHand as one of the most trusted and hassle-free online lending apps in the country, reinforcing its reputation as a go-to choice for borrowers seeking seamless and secure financial solutions.
JuanHand, the leading fintech lending app in the Philippines, marks its 6th year in the country by solidifying its position as the country’s top Online Lending Platform (OLP). It has disbursed over ₱45 billion in loans and close to more than 20 million loan disbursements to date, highlighting its success in making lending more accessible to Filipinos.
Over 6 million families are dealing with the aftermath of the recent typhoon, while rising inflation continues to impact everyday household costs, leaving many Filipino families struggling to make ends meet. In the midst of these challenges, JuanHand reminds Filipinos that if they need a helping hand, Sagot ka ni JuanHand!
HYPE MANIA 