Pioneering National Credit Infrastructure - Credit Information and Financial Inclusion in the Philippines
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CIBI Information Inc. (CIBI), established in 1982, is recognized as the Philippines' first credit bureau and has supported the country's credit and business information ecosystem for more than four decades. Over the years, CIBI has evolved alongside the changing needs of financial institutions, businesses, and consumers, providing credit information and data-driven insights that support more informed decision-making.
Today, CIBI works with financial institutions and businesses to provide access to credit information, alternative data insights, and risk assessment solutions. Through these capabilities, CIBI supports responsible lending and contributes to broader efforts to expand financial inclusion, particularly for individuals and businesses that may have limited traditional credit histories.
Strengthening Credit Intelligence Driving Advanced Analytics, Fraud Prevention, and Data-Driven Decision-Making
As an accredited Special Accessing Entity (SAE) of the Credit Information Corporation (CIC), CIBI provides credit information and scoring solutions that help financial institutions better understand credit profiles and support risk assessment.
Beyond traditional credit information, CIBI continues to expand its capabilities across business information, identity verification, workforce screening, and fraud risk solutions. This includes the Fraud Intelligence and Detection System (FIDS) Network, a collaborative fraud intelligence initiative designed to strengthen information sharing and help participating institutions identify and respond to potential fraud risks.
Through credit information, scoring solutions, business intelligence, identity verification, and fraud intelligence, CIBI provides banks, fintech companies, and businesses with trusted data and insights that support more informed risk assessment and decision-making.
CIBI also continues to invest in technology, data capabilities, information security, and strategic partnerships to respond to the evolving needs of the Philippine financial and business ecosystem.
Supporting MSME Growth, Workforce Verification, and Responsible Lending
Beyond consumer credit information, CIBI supports businesses through solutions that provide greater visibility into companies, counterparties, and potential risks. Its workforce solutions likewise help organizations make more informed hiring and verification decisions.
CIBI also works with industry associations, government institutions, regulators, and private-sector partners to advance responsible data use, financial inclusion, fraud awareness, and financial education.
Through initiatives such as CIBI University, the company is expanding its efforts to promote practical financial literacy and greater understanding of credit, financial identity, fraud awareness, and digital trust.
Together, these initiatives reflect CIBI's broader commitment to using trusted information not only to support business decisions, but also to contribute to a more informed and inclusive financial ecosystem.
Recognized Among Asia's Most Influential Companies
CIBI's recognition among Asia's Most Influential Companies 2026 at the ACES Awards reflects its long-standing contribution to the Philippine credit and business information ecosystem and its continued evolution as a trusted data and information partner.
For more than four decades, the company has worked alongside financial institutions, businesses, government agencies, regulators, and industry partners to support more informed decision-making, responsible lending, financial inclusion, and greater trust across the financial landscape.
As the industry continues to evolve, CIBI remains focused on strengthening its capabilities, building meaningful partnerships, and developing solutions and initiatives that respond to emerging challenges in credit, identity, fraud, and financial inclusion.
