ADVANCE.CBP

Making room for what's next 🇵🇭 Our team is growing, and so is our space to dream, collaborate and build together. We recently celebrated the opening of our expanded Manila office, shared with ADVANCE.AI, with a blessing ceremony, marking a new chapter for the team here. It's more than just a bigger office. It's a reflection of the momentum we're building in the Philippines, and of the people behind it. Here's to more ideas, more collaboration and more impact, together. ✨

Millions of Filipino businesses are creditworthy. Far fewer can prove it. Without a formal credit history, a small enterprise can be trading well, paying suppliers and employing people, and still be invisible to a lender. Closing that gap is why ADVANCE.CBP has signed a Memorandum of Understanding (MoU) with the Department of Trade and Industry (DTI), Philippines, an important step towards expanding financial inclusion for Filipino micro, small and medium enterprises (MSMEs). The MoU was signed by DTI Regional Operations Group Undersecretary Blesila A. Lantayona and Dennis Martin, our Chairman and CEO, formalising a partnership to launch SME Trust in the Philippines. Through this collaboration, ADVANCE.CBP and DTI will combine digital identity verification, credit data, cybersecurity, and eKYC capabilities to develop verified MSME digital profiles and data-driven credit scoring. These capabilities will be made available through DTI's network of more than 1,400 Negosyo Centers, helping financial institutions assess businesses beyond traditional credit histories and expanding access to fair, affordable financing. The initiative supports DTI Secretary Cristina A. Roque's vision of empowering Filipino entrepreneurs, giving MSMEs in both rural and urban communities greater digital visibility and improved access to formal financial services. The signing ceremony was attended by leaders from both organizations, including Undersecretary Blesila A. Lantayona, Dennis Martin, and representatives from DTI and ADVANCE.CBP, reaffirming a shared commitment to building a stronger, more inclusive MSME ecosystem in the Philippines. ADVANCE.CBP looks forward to working alongside DTI to help more Filipino businesses establish trusted digital identities and unlock new growth opportunities. #ADVANCECBP #ADVANCEAI #SMETrust #MSME #FinancialInclusion #Philippines #DigitalIdentity #CreditScoring #Fintech

𝗧𝗵𝗲 𝗿𝘂𝗹𝗲𝘀 𝗼𝗳 𝗰𝗿𝗲𝗱𝗶𝘁 𝗱𝗮𝘁𝗮 𝗵𝗮𝘃𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝗱. 𝗔𝗿𝗲 𝗼𝘂𝗿 𝗳𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸𝘀 𝗿𝗲𝗮𝗱𝘆? On June 17 in Manila, Dennis Martin represented ADVANCE.CBP at the ICCR Asia Pacific Regional Consultative Group, a closed-door session bringing together bureau operators, central banks, and regulators from across the region. The session focused on developing trusted credit reporting systems and access to data. As operators with a direct view into the Philippines and Indonesia markets, two of the most active credit data environments in the region, we brought a practitioner's perspective on three shared challenges. ✦ 𝗜𝗻𝗱𝗼𝗻𝗲𝘀𝗶𝗮 is not data-poor. It is under-standardised for credit decisioning. 91 million credit-invisible Indonesians, 356 million mobile connections, and 57 million+ MSMEs. The signals exist. The governance frameworks to make them bureau-grade are still catching up. ✦ 𝗧𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀 has strong infrastructure, with 66 million borrowers in the CIC system, but coverage gaps remain wide, particularly for the informal sector, gig workers, and first-time borrowers. The challenge is no longer plumbing. It is closing the gap between what AI can now use and what governance currently permits. ✦ 𝗠𝗮𝗹𝗮𝘆𝘀𝗶𝗮's Consumer Credit Act, in force since March 2026, is a meaningful step. Even one of the region's more mature systems still has structural work ahead. We left with three questions we hope the APRCG keeps working on. How to govern inferred data, how to balance consumer protection with credit profile building, and what trusted identity infrastructure needs to look like upstream of the bureau. Thank you to BIIA Business Information Industry Association, to the APRCG member organisations, and to all the speakers and regulators who made the dialogue substantive. These conversations are where frameworks actually evolve.

Happy Labor Day! 🎉 Today we celebrate every person who shows up, does the work, and makes the financial ecosystem a little more trustworthy. To the bankers, credit officers, analysts, collectors, and compliance teams across the Philippines: your work matters more than you know. 🇵🇭

🇵🇭 Early warning signs of credit stress are emerging in the Philippines. Are lenders ready? As oil prices rise and inflation tightens household budgets, the ripple effects are already showing up in borrower behaviour — often before a single payment is missed. We recently shared our perspective with The Philippine Star on what lenders need to watch for right now — and more importantly, how to act on it. A few things we're seeing on the ground: 📉 Borrowers shifting from full to minimum payments 📲 Surge in loan applications across multiple platforms 💸 Declining e-wallet transaction frequency among fuel-dependent earners (eg delivery riders, small traders, transport workers) The challenge for banks, digital lenders, and financial institutions isn't just identifying these signals -- it's having the infrastructure to act on them in real time. At ADVANCE.CBP, this is exactly what we help our partners do — combining Credit Information Corporation data with #AI credit scoring and #alternativedata signals to give lenders a forward-looking view of portfolio risk, not just a backward-looking one. Because the shift every lender needs to make right now is clear: from reactive #riskmanagement (catching defaults after they happen) ➡️ to predictive and continuous risk management — acting on signals before they become losses. Macro volatility is not slowing down. But lenders who invest in smarter data today will be significantly better positioned to protect portfolio quality — while continuing to extend #responsiblecredit access to the Filipinos who need it most. 📰 Read our full insights in Philippine Star: https://lnkd.in/gAiGNrPu Michelle Anne Chan 陳綿綿 Jiazi Xu Nonito Antonio Cuizon #ADVANCECBP #CreditRisk #Oilshock #CreditBureau #DigitalLending #RiskManagement #AI

Expanding access to affordable credit in the Philippines depends on one thing. Better data. Michelle Anne Chan, Country Manager at ADVANCE.CBP, joined regulators from SEC, former BSP leadership, and lending industry participants at a recent roundtable hosted by Salmon to explore how to lower borrowing costs without compromising underwriting standards. The consensus was clear. When lenders have secure, consumer-authorised access to quality credit data, more Filipinos get fair access to credit. This is what ADVANCE.CBP was built for. As a credit bureau regulated by the Credit Information Corporation, we connect lenders with multiple sources of credit data so they can make more accurate, inclusive lending decisions. Backed by ADVANCE.AI digital identity verification and fraud prevention capabilities, we help ensure legitimate borrowers are not unfairly penalised from the point of onboarding. Thank you to Salmon Group Ltd for bringing this important conversation together. Read the article → https://lnkd.in/gKH9SPuC

2025 was a year of progress — built with intention, delivered through teamwork, and guided by trust. Across markets and teams, we turned plans into action and continued building solutions that create real impact for our customers and partners. What made this year meaningful wasn’t just the milestones we reached, but how we reached them — through collaboration, discipline, and a shared commitment to doing things thoughtfully and responsibly. Thank you to our teams, partners, and customers for the trust and collaboration throughout the year. We’re excited to keep building together in 2026. 🤝 Here’s a short look back at some of the moments that shaped our year.

We are encouraged by the SEC’s continued commitment to transparency, innovation, and inclusive growth under Chairman Lim’s leadership. As part of Advance Intelligence Group / ADVANCE.AI group, ADVANCE.CBP remains dedicated to supporting a stronger and more trusted financial ecosystem in the Philippines. Through reliable credit data, responsible credit practices, and our ongoing collaboration with public-sector partners, we aim to help more Filipinos and businesses participate confidently in the digital financial economy. We look forward to contributing further to this shared mandate of responsible and sustainable growth. 🇵🇭 #ResponsibleFinance #FinancialInclusion #DigitalTrust

𝗔𝗱𝘃𝗮𝗻𝗰𝗶𝗻𝗴 𝗧𝗿𝘂𝘀𝘁 𝗮𝗻𝗱 𝗔𝗰𝗰𝗲𝘀𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀’ 𝗖𝗿𝗲𝗱𝗶𝘁 𝗘𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺 ✅ ADVANCE.CBP was honoured to sponsor the Credit Card Association of the Philippines’ 45th Anniversary this month, joining financial leaders and regulators to discuss how technology and data can shape the future of credit and fraud prevention. Our country manager Michelle Anne Chan 陳綿綿 spoke on “Combating Fraud 2.0 – Next-Generation Security for Next-Generation Credit,” highlighting how the convergence of credit bureau intelligence, AI, and digital onboarding is redefining trust in the financial ecosystem. In today’s landscape, building a safe and inclusive credit system goes beyond fraud prevention — it’s about empowering institutions to make smarter, data-driven lending decisions and giving more Filipinos fair and secure access to financial services. Through our strategic partnership with Credit Information Corporation, ADVANCE.CBP provides institutions with enriched credit intelligence, enabling smarter, data-driven lending decisions and giving more Filipinos fair and secure access to financial services. With our credit intelligence solutions and AI-powered single-journey digital onboarding solutions, financial institutions can: ✅ Verify customer identities with AI and biometric authentication ✅ Access real-time, bureau-driven insights powered by our CIC partnership for accurate risk assessment ✅ Detect fraud and synthetic identities before onboarding ✅ Ensure compliance with BSP’s evolving regulatory standards By connecting credit intelligence and onboarding in one seamless journey, we help institutions onboard customers faster, reduce fraud risk, and extend credit to more deserving individuals — responsibly and transparently. At ADVANCE.CBP, we are committed to strengthening trust in the credit system and opening doors to financial inclusion for millions across the Philippines. Congratulations and thank you to Credit Card Association of the Philippines for the fantastic event! To strengthen trust in your customer onboarding and credit assessment, chat with us now - https://lnkd.in/gVgCKnQs #CreditScoring #DigitalOnboarding #FinancialInclusion #FraudPrevention #AIinFinance #RiskManagement #FintechInnovation #CCAP #Philippines