Tonik, the Philippines’ first digital-only neobank, has completed its transition to a fully AI-powered credit decisioning platform—setting a new standard for precision risk management and inclusive lending in the local market.

Tonik’s next-generation system now runs its entire loan origination process through advanced AI scorecards that make faster, more accurate, and fairer lending decisions. These AI tools analyze over a thousand data points—from device behavior and network patterns to repayment habits—allowing Tonik to assess credit risk and tailor loan offers more precisely than ever before.

According to Tonik Chief Data Officer Biswa Banik, this AI-driven transformation is designed to make credit both smarter and more inclusive.

“We rebuilt the decisioning engine around data and actionability,” he said. “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.”  

Early results show the impact. Tonik’s new AI models deliver over twice the predictive accuracy of traditional credit scoring methods, which translates to stronger portfolio performance and more accessible credit for a wider range of borrowers.

Tonik’s use of AI doesn’t stop at underwriting. Across its operations, the neobank has rolled out AI-powered chat and voice assistants and automated back-office processes to significantly improve efficiency while reducing costs.

Tonik’s momentum continues to build. The bank recently achieved 300%+ annualized growth in both its loan portfolio and revenues. Over the next three years, it aims to multiply its scale tenfold by expanding the use of AI-driven scorecards across all products, deepening partnerships with businesses (B2B2C), and further automating credit, servicing, and collections.

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.