Dec 31, 2025

A Year of Progress, A Future of Opportunity: Shaping What Comes Next, Together

A message from our Country Director and fearless leader, Marlo Cruz, reflecting on a year of progress and sharing his vision for CRIF Philippines and the opportunities that lie ahead.

As 2025 comes to a close, I want to sincerely thank you for your continued trust and collaboration. Your partnership has been central to everything we achieved, and it has been our privilege to support your business objectives throughout the year.

This year marked significant strides not only for our organization but also for the clients and industries we serve. We have:

• Strengthened our solutions portfolio with new data, digital, and analytics capabilities to help organizations make faster, more confident decisions.
• Strengthened existing partnerships and expanded strategic partnerships across key industries to deliver more integrated, high-impact services.
• Enhanced our operational foundation through improved technology uptime, process consistency, and client satisfaction.
• Invested in local market expertise and talent, bringing the best of global innovation with on-the-ground insight.

Your engagement and feedback have been critical in shaping our priorities, navigating shifting market conditions, and achieving meaningful milestones.

What’s Next in 2026

The year ahead will demand both clarity and adaptability, and CRIF is committed to supporting our clients with the intelligence needed to navigate what comes next. Guided by trust, innovation, and responsible decision-making, we will ensure every solution delivers tangible impact. 


In 2026, we will:

• Grow and strengthen community ties: Enable collaboration, support navigation of market shifts, and foster impactful relationships and decisions.
Deliver intelligent solutions: Empower you with generative, collective, and ethical intelligence—enhancing operational efficiency, automating complex processes, and providing innovative solutions tailored to diverse markets.
Advance operational excellence: Apply lessons learned from 2025 to refine our processes, enhance reliability, and elevate the overall client experience.
Champion sustainability: Promote sustainable practices and objectives, navigate sustainability compliance, and advance a greener, more responsible future.

In a landscape defined by uncertainty and change, our commitment remains steadfast: to be your trusted partner in delivering actionable insights, robust risk management, and lasting value. Together, we look forward to building on this momentum and reaching new heights of success.

Every step forward begins with trust—and it will continue to guide everything we do.

Thank you for your continued partnership. Here's to a year ahead filled with growth, purpose, and success.


About Us

About CRIF

CRIF is a global leader in credit bureau, business information, and credit risk solutions. Established in 1988 in Bologna, Italy, CRIF operates in 37 countries across four continents. Over 10,000 banks and financial institutions, 90,000 business clients and 1 million consumers use CRIF services on a daily basis. CRIF has a strong presence in Asia, with its regional headquarters in Singapore, and offices in key cities including Hanoi, Ho Chi Minh City, Jakarta, Kaohsiung, Kuala Lumpur, Manila, Mumbai, Pune, Taipei, Taichung, Tokyo and Zhongli.