We Founded Trusting Social to Help Banks Redefine Their Relationships with Customers and Connect to Billions of Unbanked Consumers in the World: Nguyen Nguyen of Trusting Social

Trusting Social is a fintech company transforming credit scoring in emerging markets. Founded in 2013, the company combines big data with social, web, and mobile information to help lenders reach consumers who are financially invisible, those not covered by traditional credit bureaus. By 2020, Trusting Social had provided services to one billion consumers across Vietnam, Indonesia, India, and the Philippines, helping individuals previously excluded from formal financial systems gain access to loans and financial tools.

The company’s mission is to bring financial inclusion to Southeast Asia and India within the next decade. Nguyen Nguyen, founder and CEO of the company, envisioned a platform that could leverage alternative data sources to produce accurate and cost-effective credit assessments, helping lenders extend loans responsibly while reaching new markets.

Trusting Social is headquartered in Singapore.

Reimagining Credit Scoring

Millions of people remain outside traditional credit systems, forcing them to rely on informal and often expensive financial channels. Trusting Social addresses this challenge by analyzing patterns from social media, mobile usage, and web activity to build comprehensive credit profiles

Nguyen explains that the platform measures real consumer behavior rather than relying solely on financial history. Everyday transaction patterns, online activity, and communication trends are all considered to create a more complete picture of creditworthiness. This approach allows banks and fintech companies to serve consumers who were previously considered too risky.

Serving the Financially Invisible

Trusting Social focuses on individuals often called the financially invisible. Many work in informal sectors, small businesses, or freelance roles, where traditional credit scoring fails to capture their reliability.

By providing lenders with accurate assessments for these consumers, Trusting Social opens opportunities for personal loans, better financial planning, and investments in education, healthcare, or business ventures. The platform empowers people to participate more fully in the economy and gain financial stability.

Products That Work

The company offers Enterprise Solutions and Co-Lending Partnerships. Enterprise Solutions give banks and fintech companies access to Trusting Social’s analytics and credit scoring tools, improving risk assessment and loan processing.

Co-Lending Partnerships allow Trusting Social to share lending risk with partner institutions, accelerating access to credit in regions where financial infrastructure is limited. These models benefit both consumers, who gain access to credit, and institutions, which can expand their portfolios with reduced exposure.

Nguyen notes that these solutions are designed for scale and impact. “We focus on creating systems that make financial services accessible, while helping institutions lend responsibly,” he says.

Driving Financial Inclusion

Financial inclusion is more than a goal for Trusting Social; it shapes the company’s philosophy. Values such as extreme ownership, data-driven decision-making, mindfulness, and social impact guide daily operations.

Providing fair, fast, and accurate assessments allows lenders to make better decisions, protects consumers from over-indebtedness, and gives previously excluded populations access to financial tools. The company has also led efforts to reimagine credit cards for mass consumers, creating products that are simple, accessible, and socially responsible.

Growth and Leadership

Since its founding, Trusting Social has grown rapidly. The company operates profitably and continues to refine its models and expand into new markets. Nguyen Nguyen serves as founder and CEO, guiding a team that blends expertise in AI, data science, and financial services

Leadership emphasizes accountability and mindfulness, creating a culture that balances innovation with social responsibility. Nguyen believes that technology alone cannot solve financial exclusion—it must be applied thoughtfully, with a deep understanding of consumer needs.

Real-World Impact

Trusting Social has reached over one billion consumers across multiple countries. For financial institutions, this means faster loan processing, better portfolio performance, and the ability to expand into previously untapped markets. For consumers, the platform delivers access to loans, planning tools, and products that were once out of reach.

By combining data insights with ethical lending practices, Trusting Social links technology with real outcomes, helping both institutions and individuals achieve measurable progress in financial inclusion.

What’s Next for Trusting Social

Trusting Social is focused on continued innovation and expansion. By developing new AI-first products, refining credit scoring, and growing partnerships, Trusting Social aims to reach billions more and make financial inclusion a reality for underserved populations.

“We are building systems that give people access to fair credit, empower them to improve their financial lives, and help institutions lend responsibly. Financial services should be accessible to everyone, not just a privileged few.”

Trusting Social’s approach demonstrates that fintech can drive both business growth and meaningful social impact. By combining advanced technology, thoughtful implementation, and a focus on the consumer, the company is redefining credit access in Southeast Asia and India, creating lasting change for millions.

Nguyen Nguyen, Founder & CEO, Trusting Social

We want billions of people who have been ignored by traditional credit systems to finally have access to fair and fast financial services.