Maya is simplifying banking for diverse populations
Maya· PhilippinesDatabricks · Delta Lake · Unity Catalog +3
Maya, the Philippines' leading fintech company, partnered with Databricks to modernize its data architecture into a unified lakehouse on Delta Lake, centralizing 100% of its data for real-time access and AI scalability. Maya's ML-powered underwriting tools cumulatively disbursed $2.1 billion in loans by year-end 2024. AI-driven fraud detection, combining transactional sequence embedding, network analysis and predictive modeling, achieved up to a 98% reduction in fraud losses. Hyperpersonalized, AI-driven marketing campaigns increased average revenue per user (ARPU) by 45%. Using Unity Catalog for governance and automated ETL pipelines, Maya also achieved a 28% increase in storage capacity without a rise in costs.
Overview
Maya, the Philippines' leading fintech company, partnered with Databricks to modernize its data architecture into a unified lakehouse on Delta Lake, centralizing 100% of its data for real-time access and AI scalability. Maya's ML-powered underwriting tools cumulatively disbursed $2.1 billion in loans by year-end 2024. AI-driven fraud detection, combining transactional sequence embedding, network analysis and predictive modeling, achieved up to a 98% reduction in fraud losses. Hyperpersonalized, AI-driven marketing campaigns increased average revenue per user (ARPU) by 45%. Using Unity Catalog for governance and automated ETL pipelines, Maya also achieved a 28% increase in storage capacity without a rise in costs.
The challenge
Maya's journey to democratize finance began with modernizing their data architecture: the company transitioned from a fragmented legacy setup to a unified, future-ready lakehouse architecture, eliminating data silos that limited seamless collaboration, real-time data access and AI scalability.
The solution
Maya partnered with Databricks to modernize its data architecture into a unified lakehouse on Delta Lake, centralizing 100% of its data for real-time access and AI scalability. The company deployed ML-powered underwriting tools using MLflow for model lifecycle management, built AI-driven fraud detection combining transactional sequence embedding, network analysis and predictive modeling, and used Databricks Notebooks and Databricks Assistant to accelerate innovation. Unity Catalog provides data governance with granular access controls and end-to-end lineage tracking, and automated ETL pipelines boost efficiency.
Reported business value
Maya's ML-powered underwriting tools cumulatively disbursed $2.1 billion in loans by year-end 2024. AI-driven fraud detection achieved up to a 98% reduction in fraud losses. Hyperpersonalized, AI-driven marketing campaigns increased average revenue per user (ARPU) by 45%. Maya achieved a 28% increase in storage capacity without a rise in costs.
Sources
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