Every gig worker deserves
fair access to credit.
▶ CREDIT INTELLIGENCE
FinTrack works across the lending stack — from behavioral data that builds credit scores, to ethical products that reach workers.Humans stay in the loop.
▶ SCORING ENGINE
AI that sees what
credit bureaus can't.
40+ behavioral signals — trip frequency, earnings consistency, cancellation patterns, peak-hour activity — synthesized into a living credit score updated every hour. No paperwork. No credit history required.
How the engine works▶ PRODUCT ROUTER
Ethical by design,
not by accident.
AI matches each worker to the most beneficial Shariah-compliant product — Murabaha, Ijarah, or Qard Hasan — ensuring zero predatory outcomes. Every recommendation is auditable.
For platform operators
The problem we solve:
80% of gig workers in Southeast Asia have zero credit history.
Traditional credit bureaus cover less than 20% of the population. FinTrack's behavioral AI scores the other 80% — using the data platforms already have.
▶ PLATFORM
Three engines. One API.
Dynamic Behavioral Credit Scoring
Multi-signal AI model ingests 40+ behavioral data points from platform APIs — trip frequency, earnings consistency, cancellation rates, peak-hour activity — to produce a living credit score updated hourly.
- Sub-150ms response time
- 40+ behavioral signals
- Hourly recalculation
- Zero credit bureau dependency
// Score a worker in real-time
const result = await fintrack.score({
worker_id: "GJ-8847291",
platform: "gojek",
signals: ["trips", "earnings", "ratings"]
});
// result.score = 742
// result.confidence = 0.94
// result.tier = "prime"Workers Scored
Capital Unlocked
Avg Latency
Model Confidence
Predatory Interest
Proven across every vertical
We set the benchmark for
ethical embedded finance.
Reduced driver default rates by 34% in 90 days.
Ride-Hailing Platform
Enabled instant BNPL for 500K unbanked sellers.
E-Commerce Marketplace
Disbursed $12M vehicle financing at 2.1% NPL.
Logistics Super-App
3M emergency advance disbursements, zero exploitative APR.
Digital Wallet
Why not a traditional bureau?
| Capability | Traditional Bureau | FinTrack AI | No Scoring |
|---|---|---|---|
| Population Coverage | ~20% (banked only) | 100% of gig workers | 0% |
| Scoring Speed | 24-72 hours | 127ms real-time | N/A |
| Data Freshness | Monthly updates | Hourly recalculation | N/A |
| Shariah Compliance | ✗ Not designed for | ✓ Native routing | ✗ N/A |
| Predatory Risk | Medium | Zero — ethically gated | High |
| Integration Time | 3-6 months | 1 week (5 lines) | N/A |
| Cost per Score | $2-5 per pull | $0.001 per call | $0 (no data) |
Live in one week.
Five lines of code.
Connect API
Plug in your platform data stream. One SDK. Five lines of code.
AI Scores Workers
Behavioral model generates dynamic scores. Updated hourly. Zero bureau dependency.
Finance In-App
Workers receive ethical Shariah-compliant products directly inside your platform.
From the lab to the real world.
The latest from FinTrack.
Alternative Credit Scoring: The 2026 SEA Landscape
How behavioral data is replacing credit bureaus for 200M+ unbanked gig workers across Southeast Asia.
Murabaha vs Ijarah for Gig Workers
Product-market fit analysis for Islamic fintech instruments in the ride-hailing economy.
OJK's 2026 P2P Rules: What Platforms Must Know
CompanyFinTrack Enters OJK Regulatory Sandbox
Sub-150ms Scoring: Our Edge Architecture
Trusted by platform leaders
"FinTrack gave our drivers access to fair finance for the first time — without changing a single line of our core product. Default rates dropped 34% in three months."
"We evaluated 6 scoring providers. FinTrack was the only one with native Shariah compliance AND sub-200ms latency. Integration took 4 days."
"The behavioral scoring model identified trustworthy couriers that traditional bureaus would have rejected. We've disbursed $12M in vehicle financing with a 2.1% NPL rate — lower than our bureau-scored portfolio."
Our mission,
your impact.
Book a demo today and see how FinTrack can bring ethical credit access to every worker on your platform.
Get Started