Plentina is a fintech company founded in 2019 by Kevin Gabayan and Earl Valencia, with operations focused on the Philippines and other emerging markets. The company was created to expand access to financial services for consumers who have limited or no traditional credit history. Kevin Gabayan serves as Co-Founder and CEO, while Earl Valencia is Co-Founder and Chief Business Officer. Plentina launched its services in the Philippines in October 2020, establishing itself as a technology-driven financial services company that uses alternative data and machine learning to assess creditworthiness.
Plentina operates in the fintech, digital lending, consumer finance, alternative credit scoring, and Buy Now, Pay Later (BNPL) sectors. Its platform provides digital credit that can be used to purchase essential goods and services from participating merchants, while enabling customers to build a credit history through responsible repayments. The company has also developed partnerships with major brands and retailers in the Philippines, making its services accessible through digital and merchant-based payment channels. Plentina Lending, Inc. is registered as a lending company in the Philippines, positioning the business within the country’s growing digital finance and financial inclusion ecosystem.
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