International Advisor, Naker Rating K.K.
Managing Director and Board Advisor, Zero13
Founder, Intelligence Wise (iWise)
Greetings
It is my honor to be invited to the panel of Naker Rating K.K’s International Advisors.
Throughout my career, Intelligence Wise (iWise Group) and I have worked closely with central banks, international agencies, global corporations, non-governmental organizations and private companies across Asia and also the rest of the world, focusing on credit data, risk management, and international cooperation projects.
Our expertise also span other range of service domains including Fast Start Services (FSS) such as company incorporation and nominee director services, Administration Services (AS) involving application of government support, grants and subsidies, People Services (PS) related to HR and facilities, and Business Expansion Services (BES) involving data-driven business development and project management.
For Japanese companies expanding abroad, they require more than just incorporation support. Strategic information and infrastructure—such as credit intelligence, local partner networks, policy incentives, and trusted operational systems—are essential for sustainable growth and risk mitigation.
By combining Naker Rating’s domestic expertise in credit research with my global experience as CEO of iWise Group, I hope to reach out to companies looking to build a safe, resilient, and growth-oriented global business foundation.
Profile
Lincoln Teo is an international expert in data governance and credit infrastructure, and the founder of Intelligence Wise (iWise Group). He has successfully delivered projects funded by the United Nations ESCAP, World Bank, and Asian Development Bank (ADB).
He has worked with central banks across Asia—including the Monetary Authority of Singapore, Bank Negara Malaysia, Bank Indonesia, the State Bank of Vietnam, and Brunei Darussalam Central Bank—on the development and implementation of enterprise and consumer credit data systems. He has been a pioneer in ensuring data integrity through ISO 27001-compliant governance frameworks.
Under his leadership, iWise Group participated in projects under the Singapore’s intergovernmental “Chongqing Connectivity Initiative (CCI)” across finance, aviation, logistics, and ICT. The company has also advised Brunei’s central bank on credit bureau legislation and supported the UNESCAP in a Central Bank Digital Currency (CBDC) project with the Maldives Monetary Authority and also working on the establishment of an innovation hub and sandbox there.
iWise Group provides credit and data consulting to clients such as TransUnion (U.S.), LexisNexis, Malaysia’s national credit bureau Credo, and the Moneylenders Association of Singapore.
Before founding iWise Group, Lincoln served as Chief Operating Officer of DP Information Group and General Manager of DP Credit Bureau—both subsidiaries of Experian, the world’s largest credit bureau group. While at Experian, he led the World Bank’s credit bureau training initiative in Vietnam (P088759).
Prior to 2010, Lincoln served as Chief Curriculum Architect for Risk at Standard Chartered Bank, where he developed a global risk training strategy and designed a credit bureau curriculum. He also worked on an ADB project to build risk management capacity for the Royal Monetary Authority of Bhutan (Project 37164-023).
Currently, Lincoln serves as Managing Director and Board Advisor of ZERO13, which won the COP28 TechSprint Award from the Bank for International Settlements, the COP28 Presidency, and the Central Bank of the UAE at the 2023 UN Climate Change Conference. The firm is now assisting sovereign National Climate Change Secretariats with data interoperability for environmental credit assets, ensuring integrity and transparency in green finance.