MANILA, Philippines — JuanHand has released more than P55 billion in nano-loans to date, empowering over 2.5 million first-time borrowers through its AI-powered lending platform as it ramps up efforts to bridge financial access gaps in the Philippines.
JuanHand, the Philippine arm of New York-listed FinVolution Group, is seeking to change Filipinos’ limited access to credit by using artificial intelligence and alternative data to reach the traditionally underserved.
“JuanHand is one of the financial companies that helps close access gaps through bold, AI-powered innovation,” the financial institution said in a statement.
“It leverages a proprietary AI engine refined through years in China’s high-volume fintech market to assess creditworthiness using alternative data,” the fintech said.
With just one valid ID, loan approval can be granted in as fast as five minutes. JuanHand’s proprietary AI engine automates nearly every step of the lending cycle from risk evaluation and fraud detection to customer onboarding and credit scoring. This enables the firm to deliver flexible financing to users who lack formal credit histories.
The fintech said it envisions helping its users “graduate” from nano-loans to larger, more formal bank credit. Borrowers who demonstrate strong repayment behavior are rewarded with higher loan limits and better terms over time, giving them a pathway to eventually enter the mainstream financial system.
JuanHand has also partnered with several traditional and digital banks including Maya Bank, Netbank and Security Bank to support funding and onboarding through application programming interface-based integration, expanding its reach and deepening its role in financial inclusion.
In line with global best practices, the company also integrates explainability tools in its AI system to ensure that automated decisions are transparent, fair and free of bias. It adheres to international standards on data privacy and algorithmic accountability.
JuanHand continues to diversify its offerings beyond the sub-prime segment, now reaching semi-prime and even prime borrowers who may still face barriers to accessing credit through traditional channels.
“This reflects how AI-driven credit assessment can adapt to varying risk profiles, enabling more inclusive lending while supporting long-term business sustainability,” it added.