Make Better Credit Decisions Using Employment Data

Smile provides user-authorized access to recent, comprehensive, verified employment data that is accessible real-time from gig economy platforms, HR and payroll systems, and social insurance systems through a single API.

OUR PLATFORM

Get access to employment data across platforms, all through a single API

Wide Coverage of Data

Get access to 90% of the Philippines Labor Force from gig economy, private, and Government sector

Faster Verification Process

Process loan applications in seconds by having verified and recent identity, employment, and income data

Lower Non-Performing Loans

Cut your non-performing loans by half by reducing friction in the signup, verification and approval process

OUR PLATFORM

How it Works

CONSENT

The user grants their permission to share their employment and income data.

EMPLOYMENT

The user chooses their employer, gig platform, HR system or Government system platform.

LOGIN

The user connects to their employment database by logging in their account.

VERIFIED INFORMATION

The user's identity, employment and income data can now be accessed and verified

BENEFITS

Instant Data Access

Instant access to the data your customers share for you to verify their identity, income and employment.

Get access to over 100 employment data points for a wide and growing coverage in Asia

RESTful API access

Test your application with real and dummy data in our sandbox

Receive data in JSON format

  • Identity
  • Employment
  • Income
Identity
Employment
Income

Get real-time insights through standardized data

Easily get a summary of key financial metrics summarized across these categories: Income, Employment, and Identity.

Ready to get started? Contact us today!

Contact us so we can assist you with understanding the API, how to implement it in your organization, and how to go live with Smile in your product or service. You can also subscribe to our Newsletter to get the latest updates on Smile.

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