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    Island Credit Solution

    Make Smarter Credit Decisions in Real-Time

    Founded
    2025
    Headquarters
    Makati City, Philippines
    Stage
    Private
    Licences
    1

    Overview

    Island Credit Solution, Inc. is a Philippine credit-scoring and risk-analytics company accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity. Using AI and alternative data, it provides banks, lenders, and MSMEs with real-time credit reports and scores, identity verification, and fraud-management tools to make faster, more inclusive lending decisions. Its flagship PhilScore helps financial institutions assess thin-file and underserved borrowers, expanding access to credit for Filipinos who lack a traditional credit history.

    Products

    • PhilScore credit score
    • AI credit reports & scoring
    • eKYC / identity verification
    • Fraud management

    Serves

    BanksLendersMSMEs

    Funding and ownership

    Stage

    Private

    People

    • Hongcheng "Steven" ZhouDeputy CEO

    Licences and certifications

    • CIC-accredited Special Accessing Entity (SAE)

    Developers

    APIs available

    Island Credit Solution's official entry point for developer and integration work. Depending on the company it may be public documentation, a sandbox, or a partnership contact.

    Developer and integration access

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