Tonik, the Philippines’ first digital-only neobank, has completed its transition to an AI-powered credit decisioning stack, establishing the market’s benchmark for precision risk management and inclusive lending.
AI credit decisioning, end-to-end
Tonik’s loan origination now runs entirely on next-generation AI scorecards with real-time and batch decisioning. The modular platform unifies signals across a broad range of 1,000+ data points—for example, device behavior, network-level metadata, and contextual repayment patterns—to refine risk and pricing well beyond traditional models. The result: ~2.2× higher predictive power versus legacy scorecards, driving stronger RAROC and industrializing inclusive credit at scale.
“We rebuilt the decisioning engine around data and actionability,” said Biswa Banik, Chief Data Officer at Tonik. “By fusing diverse signals into our AI scorecards, we’re making faster, fairer, and more profitable credit decisions at scale—and generating highly customized offers by customer profile. That lets us responsibly serve a broader share of the population with the right product, price, and limit.”
AI across operations: cost down, speed up
Beyond underwriting, Tonik deploys AI across the operating spine—GenAI chat, AI voice, and back office automations—to shrink unit costs, compress cycle times, and lift service quality. Over the last three years, Tonik increased its loan portfolio by 10× while reducing direct ops servicing staff by over 20%. As the bank scales further, its ops-AI program is projected to save over US$20 million in operating costs over the next three years, while maintaining service excellence.
“AI is giving us tangible savings—not hype,” said Tomasz Borowski, Chief Operations Officer at Tonik.
“It lets us scale profitably without adding staff, so every new peso of lending drops more to margin.”
Momentum and the road ahead
Tonik’s growth is accelerating, with recent results achieving a 300%+ annualized growth rate of both loan portfolio and revenue. Building on this trajectory, Tonik plans to 10× again over the next three years, powered by wider deployment of AI scorecards across products and channels, deeper B2B2C distribution, and continued automation in underwriting, servicing, and collections.
Positioned to scale the PH consumer credit opportunity
With an AI-first risk engine and a leaner operating model, Tonik is built to expand responsibly in the Philippines’ US$40B unsecured consumer lending market—unlocking access for more customers while protecting economics through cycle-tested risk management.
Tonik is the first digital-only neobank in the Philippines, operating on the basis of a bank license issued by the Bangko Sentral ng Pilipinas (BSP).
Launched in 2021, Tonik provides loan, deposit, and paymentproducts to promote financial inclusion for underbanked Filipinos. Backed by top global investors and driven by a mission to radically reshape the consumer banking experience, Tonik has become a category-defining force in Southeast Asia’s digital lending space.
