International Advisor — Overseas Market Entry

Lincoln Teo

Founder & CEO, Intelligence Wise (iWise Group)
Managing Director & Board Advisor, ZERO13
International Advisor, Naker Rating K.K.

Credit Data Infrastructure Southeast Asia Central Bank Advisory Data Governance Green Finance Market Entry

Message

It is my honour to join the panel of Naker Rating K.K.’s International Advisors.

Throughout my career at Intelligence Wise (iWise Group), we have worked closely with central banks, international agencies, global corporations, NGOs and private companies across Asia and beyond — focusing on credit data, risk management and international cooperation projects.

For Japanese companies expanding abroad, incorporation support alone is not sufficient. Strategic information and infrastructure — credit intelligence, local partner networks, policy incentives, and trusted operational systems — are essential for sustainable growth and risk mitigation.

By combining Naker Rating’s expertise in credit research with my global experience, I hope to help companies build a safe, resilient and growth-oriented global business foundation.

Key Roles & Credentials

ZERO13

Managing Director & Board Advisor

Winner of COP28 TechSprint Award (BIS, COP28 Presidency & Central Bank of UAE). Assisting sovereign National Climate Change Secretariats with data interoperability for environmental credit assets.

Experian / DP Credit Bureau

COO & General Manager

Led the World Bank’s credit bureau training initiative in Vietnam (P088759). Built foundational credit infrastructure across Southeast Asia.

Standard Chartered Bank

Chief Curriculum Architect — Risk

Developed global risk training strategy and designed a credit bureau curriculum. Supported ADB project for Royal Monetary Authority of Bhutan (Project 37164-023).

iWise Group

Founder & CEO

Delivered projects funded by UN ESCAP, World Bank and Asian Development Bank. Clients include TransUnion (U.S.), LexisNexis, Malaysia’s Credo and the Moneylenders Association of Singapore.

Central Bank & International Project Experience

Lincoln has worked with central banks across Asia on the development and implementation of enterprise and consumer credit data systems — including the Monetary Authority of Singapore, Bank Negara Malaysia, Bank Indonesia, the State Bank of Vietnam and Brunei Darussalam Central Bank. He has been a pioneer in ensuring data integrity through ISO 27001-compliant governance frameworks.

Under his leadership, iWise Group participated in projects under 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.

Southeast Asia market entry & credit intelligence

For companies expanding into ASEAN markets, Lincoln’s network and expertise can be directly engaged through Naker Rating K.K.