Making banking more accessible and secure
Maya elevates banking experiences by optimizing fraud and underwriting efficiency
Dispersed for loans with advanced ML-powered underwriting
Reduction in fraud loss with transactional sequence embedding
Increase in ARPU by AI recommendations in the consumer app
Maya, the Philippines’ leading fintech company, drives inclusion via AI and data innovation. Partnering with Databricks, they modernized their data architecture with a unified lakehouse, enabling real-time data access and AI scalability. ML-powered lending cumulatively disbursed $2.1 billion in loans by year-end 2024, while AI fraud detection cut losses by up to 98%. Hyperpersonalized campaigns boosted average revenue per user (ARPU) by 45%. With Databricks’ governance and intelligence tools, Maya ensures compliance and efficiency, scaling storage by 28% without cost hikes. By merging cutting-edge tech with a vision for equitable finance, Maya pioneers a future where every Filipino thrives — proving that agility, trust and AI are key to inclusive growth.
Modernizing infrastructure to unlock new possibilities
As the Philippines’ leading all-in-one financial ecosystem, Maya has long championed the mission of breaking down barriers — geographic, economic and digital — that have historically limited access to banking services. Driven by a vision to empower every Filipino with fair, secure and inclusive financial solutions, Maya is reshaping the fintech landscape by delivering instant credit and cutting-edge tools to communities underserved by traditional institutions. At the heart of this transformation lies Maya’s bold embrace of data and AI, powered by the Databricks Data Intelligence Platform, enabling the company to scale their impact while maintaining their position as a trailblazer in the industry.
Maya’s journey to democratize finance began with a critical step: modernizing their data architecture. The company transitioned from a fragmented legacy setup to a unified, future-ready lakehouse architecture on Databricks, eliminating silos and unlocking seamless collaboration.
Pro Cabales, Head of Data Engineering at Maya, highlighted the shift: “With Databricks as our unified platform, data democratization across teams has accelerated. More eyes on the data mean more innovation — whether in product development, marketing or customer experience. It’s empowering our teams to drive progress faster than ever.”
By centralizing 100% of their data on Delta Lake, Maya ensured consistency, reliability and real-time accessibility. This foundation became the springboard for advanced AI initiatives, from credit scoring to hyperpersonalized financial services.
AI-powered lending: Bridging gaps, building trust
Maya’s next-generation lending solutions leverage machine learning to analyze customer behavior, transaction patterns and device interactions, enabling smarter risk assessments and tailored credit limits. With MLflow streamlining model lifecycle management, the team rapidly deployed ML-powered underwriting tools that have already cumulatively disbursed $2.1 billion in loans by year-end 2024 — a testament to Maya’s commitment to inclusive growth.
Fortifying trust with proactive fraud prevention
Security is nonnegotiable in finance, and Maya’s AI-driven fraud detection systems now set industry benchmarks. By combining transactional sequence embedding, network analysis and predictive modeling, the company achieved up to 98% reduction in fraud losses, safeguarding both their reputation and their customers. The collaborative power of Databricks Notebooks and Databricks Assistant further accelerated innovation, enabling cross-functional teams to iterate and deploy solutions with unprecedented speed.
Personalization at scale: Elevating customer experiences
Maya’s marketing engine has been supercharged by AI, leveraging unified behavioral and transactional data to craft dynamic customer profiles. This shift enabled hypertargeted campaigns, driving a 45% surge in ARPU. Automation powered by machine learning now optimizes hundreds of monthly campaigns, ensuring every interaction resonates deeply with users.
With Unity Catalog, Maya elevated data governance, implementing granular access controls and end-to-end lineage tracking to meet stringent regulatory demands. Automated ETL pipelines further boosted efficiency, ensuring high-quality data flows seamlessly across the organization. Using the Data Intelligence Platform, remarkably, Maya achieved a 28% increase in storage capacity without rising costs — proof of the platform’s scalability.
A future built on data and AI
Maya’s collaboration with Databricks has not only accelerated operational excellence but also redefined what’s possible in fintech. Looking ahead, Maya sees data and AI as the cornerstone of their strategy to democratize finance.
Thai Dinh, VP and Group Head of AI at Maya, captured the momentum: “The pace of innovation since partnering with Databricks has been extraordinary. We’re executing more use cases, faster, and this is just the beginning. Our vision is a future where financial empowerment is effortless for every Filipino.”
By marrying cutting-edge technology with a relentless focus on inclusion, Maya is lighting the path toward a financial ecosystem where every individual and business thrives. As the company continues to innovate, one truth remains clear: In the age of AI, trust, agility and vision are the ultimate currencies — and Maya is leading the way.