Credit scoring for everyone

FriendlyScore assesses people’s global digital footprint using machine learning and AI, making it quick and easy to determine their creditworthiness.

about us
Our values
financial inclusion

Financial inclusion for young, underbanked, and internationally mobile people

better convertion

Better conversion and approval rates for lenders through supplementary social data


Objective credit decisioning based on algorithm scores, not human biases

customer data

Consumer data protection from user-permissioned data access; no personalised storage or reselling

Our Story
  • The first prototype of our Social Score App is developed, analysing just one social media network.
  • The FriendlyScore concept is validated with a major lender in Poland. Amazing… it works!
  • FriendlyScore Headquarters opens in the heart of Europe’s finance capital – London.
  • We are accepted by the StartupBootcamp Fintech Acceleration Program in London, pitch to major British and global Banks, and seek out seed investors.
  • In March, we secure investment of £250,000 GBP and in June, we recruit our first employee.
  • By September, FriendlyScore is ready for market, and begins generating revenue the very next month.
  • By May, we have pitched FriendlyScore to every country in Europe and in July, we have scored our first 100,000 borrowers.
  • October sees a new investment of £200,000.
  • We open a product development office in Poland and launch FriendlyScore on desktop and mobile.
  • The first European Bank starts using FriendlyScore for credit decisions, and we partner with a major US based credit bureau as well as Qarar in the Middle East.
  • We launch several proof-of-concept trials with financial institutions, telecoms companies and auto manufacturers to demonstrate the versatility of FriendlyScore.
  • FriendlyScore is recognised as the most exciting FinTech startup by WebSummit 2017 and wins the FIBC 2017 ISID Award in Tokyo: "Credit Scoring engine". Watch the video
  • FriendlyScore establishes a presence in Europe, Africa, LATAM and Asia.
  • FriendlyScore is regulated by the Financial Conduct Authority for Credit Broking, Providing Credit Information Services and Providing Credit References.
  • In April, we present FriendlyScore at FICO WORLD 2018 in Miami and also secure a new investment of £835,000.
  • We introduce mobile magic links for credit scoring to make it easier for lenders to sign up new borrowers.


Career opportunities

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Leadership Team
Loubna Bazine CEO
Emilian Siemsia CTO

Loubna Bazine CEO

Loubna is an experienced finance professional, with 15 years of experience in Financial Services, within major investment banks in New York and London. She started at Bank of America Merrill Lynch and Credit Agricole, and held Director positions at Standard Chartered Bank and Mitsubishi UFJ Securities. She also worked as a Senior Fundraiser in the London Fintech sector. As our CEO, she brings a wealth of knowledge and valuable expertise which she acquired over the course of a successful career. Loubna holds a M.A. in Mathematics of Finance from Columbia University (N.Y.C.) and a B.Sc. in Mathematical Engineering from Pierre et Marie Curie University (Paris VI). She attended advanced programmes at Princeton University, Oxford University, and Université Panthéon Assas (Paris II). She speaks fluent English, French and Arabic.

Emilian Siemsia CTO

Emilian Siemsia CTO

Emilian Siemsia is the founder and CTO of FriendlyScore, a platform which combines Machine Learning (AI) techniques, Web Application development and Mobile solutions to process alternative credit-scoring data. Emilian is a dynamic and driven technologist with a rare combination of business knowledge and deep technical expertise. He is passionate about start-ups and understands group dynamics and team building. Artificial intelligence, particularly semantic analysis are of special interest to him. For over 10 years he has held many software developer and technical leader roles. Prior to FriendlyScore he ran a software development house. Emilian was educated at Wroclaw University of Technology, he holds a Master of Science in Automation and Robotics.