Source: https://fintech.ph/listing/island-credit-solution

I

# Island Credit Solution

Make Smarter Credit Decisions in Real-Time

[Credit Scoring](https://fintech.ph/category/credit-scoring) [Fintech Infrastructure](https://fintech.ph/category/fintech-infrastructure) [Financial Inclusion](https://fintech.ph/category/financial-inclusion)

[Visit website](https://www.islandcredit.tech/) [Developer access](https://www.islandcredit.tech/contact-us.html)

- **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

Banks Lenders MSMEs

## Funding and ownership

Stage

Private

## People

- Hongcheng "Steven" Zhou Deputy 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](https://www.islandcredit.tech/contact-us.html)

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[islandcredit.tech](https://www.islandcredit.tech/)

## Similar companies

- [T Tala Philippines Instant loans for the underbanked, powered by your phone](https://fintech.ph/listing/tala-philippines)
- [S SAVii Financial well-being linked to your salary](https://fintech.ph/listing/savii)
- [S Smile API Asia's trusted source for employment & income data](https://fintech.ph/listing/smile-api)
- [e etomo Online cash loans — the right friend at the right time](https://fintech.ph/listing/etomo)

[More in Credit Scoring](https://fintech.ph/category/credit-scoring)

---

From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/island-credit-solution when citing this page.