2026 Credit Perception Index

Now in its fourth year, TransUnion's Credit Perception Index (CPI) tracks how Filipino consumers perceive, trust and use credit. Developed exclusively for the Philippine market, the study benchmarks shifting consumer attitudes over time and supports the country's broader financial inclusion goals.

The 2026 report delivers fresh perspectives across the general population, the unbanked and FinTech users. These findings can help financial institutions, lenders and policymakers develop strategies that support broader financial inclusion and sustainable growth.

Key findings include:

CPI score reached a record high of 75 — its strongest reading since the study began in 2023

Formal credit continued to gain momentum — more consumers intended to borrow from digital banks, traditional banks and credit cards

Digital finance became increasingly mainstream — eWallets were the first financial product for nearly half of Filipinos

Financial confidence softened — fewer consumers expected their situations to improve amid rising inflation and energy price concerns

Everyday needs drove borrowing — emergency, personal and family expenses topped the reasons for using credit

Trust rested on transparency, fair rates and strong security — top factors shaping confidence in credit products

The CPI helps businesses and institutions track shifts in credit perception and usage, identify opportunities to engage underserved and cautious consumers, strengthen financial literacy efforts, and design products that reflect changing levels of trust and engagement.

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