{"id":72285,"date":"2025-11-24T07:26:59","date_gmt":"2025-11-23T23:26:59","guid":{"rendered":"http:\/\/www.upgrademag.com\/web\/?p=72285"},"modified":"2025-11-12T12:29:25","modified_gmt":"2025-11-12T04:29:25","slug":"tonik-completes-transition-to-ai-credit-decisioning","status":"publish","type":"post","link":"http:\/\/www.upgrademag.com\/web\/2025\/11\/24\/tonik-completes-transition-to-ai-credit-decisioning\/","title":{"rendered":"Tonik completes transition to AI credit decisioning"},"content":{"rendered":"

Tonik, the Philippines\u2019 first digital-only neobank, has completed its transition to an AI-powered credit decisioning stack, establishing the market\u2019s benchmark for precision risk management and inclusive lending.<\/strong><\/p>\n

AI credit decisioning, end-to-end<\/strong><\/p>\n

Tonik\u2019s 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\u2014for example, device behavior, network-level metadata, and contextual repayment patterns\u2014to refine risk and pricing well beyond traditional models. The result: ~2.2\u00d7 higher predictive power versus legacy scorecards, driving stronger RAROC and industrializing inclusive credit at scale.<\/p>\n

\u201cWe rebuilt the decisioning engine around data and actionability,\u201d said Biswa Banik, Chief Data Officer at Tonik. \u201cBy fusing diverse signals into our AI scorecards, we\u2019re making faster, fairer, and more profitable credit decisions at scale\u2014and 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.\u201d<\/p>\n

AI across operations: cost down, speed up<\/strong><\/p>\n

Beyond underwriting, Tonik deploys AI across the operating spine\u2014GenAI chat, AI voice, and back\u00a0office automations\u2014to shrink unit costs, compress cycle times, and lift service quality. Over the last three years, Tonik increased its loan portfolio by 10\u00d7 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.<\/p>\n

\u201cAI is giving us tangible savings\u2014not hype,\u201d said Tomasz Borowski, Chief Operations Officer at Tonik.<\/p>\n

\u201cIt lets us scale profitably without adding staff, so every new peso of lending drops more to margin.\u201d<\/p>\n

Momentum and the road ahead<\/strong><\/p>\n

Tonik\u2019s 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\u00d7 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.<\/p>\n

Positioned to scale the PH consumer credit opportunity<\/strong><\/p>\n

With an AI-first risk engine and a leaner operating model, Tonik is built to expand responsibly in the Philippines\u2019 US$40B unsecured consumer lending market\u2014unlocking access for more customers while protecting economics through cycle-tested risk management.<\/p>\n

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).<\/p>\n

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\u2019s digital lending space.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tonik\u2019s loan origination now runs entirely on next-generation AI scorecards with real-time and batch decisioning.<\/p>\n","protected":false},"author":6,"featured_media":72286,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[413,5332,7861,96,7201],"class_list":["post-72285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-headlines","tag-banking","tag-finance-industry","tag-neobank","tag-technology","tag-tonik"],"_links":{"self":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72285","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/comments?post=72285"}],"version-history":[{"count":1,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72285\/revisions"}],"predecessor-version":[{"id":72287,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/posts\/72285\/revisions\/72287"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media\/72286"}],"wp:attachment":[{"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/media?parent=72285"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/categories?post=72285"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.upgrademag.com\/web\/wp-json\/wp\/v2\/tags?post=72285"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}