Joint Credit Information Center

What Joint Credit Information Center does

Joint Credit Information Center (財團法人金融聯合徵信中心, JCIC) is a non-profit foundation established on March 20, 1975, under the supervision of Taiwan's Financial Supervisory Commission. It functions as Taiwan's centralized credit reporting bureau, operating as the sole mandated interbank credit information exchange service authorized under the "Regulations Governing Banks' Interbank Credit Information Processing and Exchange Services." JCIC collects, processes, and disseminates credit information from more than 400 member financial institutions, including banks, credit card issuers, insurance companies, and securities firms, supporting credit risk assessment, fraud prevention, and regulatory oversight across Taiwan's financial system.

JCIC's product portfolio spans consumer-facing services (individual online credit reports with English interface support, postal application, and in-person counter service), institutional services (chip card-based credit information querying, VPN-based encrypted data transmission, housing loan statistics, and industry financial statistics), and public-interest offerings (open data platforms, financial fraud prevention reporting, and periodicals including the JCIC Annual Report, JCIC Magazine, and Financial Risk Management Quarterly). Its technology stack relies on secure infrastructure — chip card authentication, VPN networks, and encrypted file transmission — rather than publicly documented AI or machine learning systems. The organization holds a Data Privacy Protection certification mark from TWPAS and an accessibility certification from Taiwan's Ministry of Digital Affairs.

JCIC operates as a non-profit foundation with two primary revenue streams: recurring membership service fees from member financial institutions for credit data access and infrastructure, and transaction fees from individual consumers for personal credit report applications across online, postal, and counter channels. The organization reinvests any surplus into operations and service improvements rather than distributing profits. In 2025, JCIC marked its 50th anniversary, and in 2026 it participated for the first time in the World Bank International Credit Reporting Committee's Asia-Pacific Regional Advisory Group meeting, signaling incremental international engagement while maintaining its domestically mandated role.

Name

Joint Credit Information Center

Legal name

財團法人金融聯合徵信中心 (Joint Credit Information Center)

Website

https://jcic.org.tw

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Short description

Joint Credit Information Center (財團法人金融聯合徵信中心) is Taiwan's FSC-supervised, non-profit credit reporting bureau, serving 400+ member financial institutions and individual consumers with credit information, scoring, housing loan analytics, and fraud prevention services through chip card, VPN, and online channels.

Ownership category

akta.pro rank

Product category

Credit Reporting Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit reporting services
• Credit information database
• Consumer credit reports
• Credit risk analytics
• Financial data statistics

Headquarters

HQ city

Taipei

HQ country

Taiwan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Infrastructure, Operations, Others

Revenue model

1. 會員機構服務費: Fees charged to member financial institutions for credit information query services, data transmission infrastructure, and chip card systems
2. 個人信用報告申請服務: Fees for individual credit report applications, available through online portal, postal service, or in-person counter service

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

JCIC operates Taiwan's centralized credit reporting bureau, collecting, processing, and disseminating credit information from member financial institutions. It provides individual credit reports to consumers via online portal, postal service, and in-person counter, while serving banks, insurance, credit card companies, and securities firms through secure chip card, VPN, and encrypted file transmission channels for credit data reporting and querying.

Product overview

Joint Credit Information Center (JCIC) operates as Taiwan's centralized credit reporting bureau, offering a comprehensive portfolio of credit information products and services. The core offerings include the Individual Online Credit Report Service for personal credit report access, and the Housing Loan Statistics Query System with both tabular and geographic visualization platforms for statistical analysis. Member financial institutions are served through chip card-based credit information query services and VPN-based secure data reporting infrastructure. The center also provides an Open Data platform for public data access, financial fraud prevention reporting systems, and publishes industry periodicals including the JCIC Annual Report, JCIC Magazine, and Financial Risk Management Quarterly.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual Online Credit Report Service (個人線上查閱信用報告服務) Online service enabling individuals to apply for and view their personal credit reports through the official portal at apply.jcic.org.tw, with English interface support. Available to general public for credit verification, loan applications, and identity confirmation.
• Housing Loan Statistics Query System (住宅貸款統計查詢網) Web-based statistical platform providing comprehensive housing loan data including loan approval rates, loan amounts, and property valuation ratios, segmented by demographics, geography, and property characteristics. Available to member financial institutions and public.
• Housing Loan Statistics Map (住宅貸款統計地圖網) Geographic visualization platform displaying housing loan statistics on interactive maps, enabling users to explore regional loan data across Taiwan.
• Industry Financial Statistics Query (產業財務統計查詢網) Statistical query system providing financial data and metrics about various industries for member financial institutions to support credit analysis and industry research.
• OpenData Section (OpenData專區) Data sharing platform providing open datasets for public use, including statistical reports, housing loan statistics, green/sustainable finance data, and research publications.
• Financial Fraud Prevention Reporting System (金融詐欺預防通報系統) System for reporting suspected financial fraud cases and managing alert account notifications to protect consumers from identity theft and financial fraud.
• Member Institution Credit Information Query Service (Chip Card + VPN + Encrypted File Transmission) Secure credit information services for over 400 member financial institutions including banks, insurance companies, credit card companies, and securities firms, utilizing chip card authentication, VPN network, and encrypted file transmission for data submission and querying.
• JCIC Annual Report (金融聯合徵信中心年報) Annual publication documenting JCIC's business operations, financial performance, and industry insights, available through the data open section.
• JCIC Magazine (金融聯合徵信雜誌) Periodical publication covering credit industry trends, regulatory updates, and financial market analysis for industry professionals.
• Financial Risk Management Quarterly (金融風險管理季刊) Quarterly journal focusing on financial risk management, credit analysis methodologies, and industry best practices for financial professionals.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and major.

• 金融監督管理委員會 (Financial Supervisory Commission)coreStrategic or Co-development PartnerPrimary regulatory authority overseeing JCIC operations. FSC mandates credit data reporting from all financial institutions and approves JCIC's credit information disclosure policies and standards.
• 中華民國銀行商業同業公會全國聯合會 (Taiwan Banking Association)coreStrategic or Co-development PartnerIndustry association representing banking sector. JCIC coordinates with the association for credit reporting standards, training programs, and annual award ceremonies (金安獎、金質獎).
• 金融機構會員 (Member Financial Institutions)coreTechnology or IntegrationBanks, insurance companies, credit card companies, securities firms, and other financial institutions that submit credit data to and query from JCIC's database. Over 400 member institutions nationwide.
• 台灣金融研訓院 (Taiwan Financial Institute)majorStrategic or Co-development PartnerEntrusted with recruitment examination services for JCIC new personnel, including professional exams for accounting and IT positions since 2019.
• 金融總會 (Financial Services Roundtable)majorGTM or Marketing PartnerCo-organizes public welfare and financial literacy events such as 'Financial Services Charity Carnival' across Taiwan.
• 台灣票據交換所 (Taiwan Bill Clearing House)coreTechnology or IntegrationProvides check/bill credit data including dishonored checks over NTD 500,000 and bad debt records for integration into JCIC credit reports since 2006.

Scale indicators1 record

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Dun & Bradstreet: Leading business credit reporting and commercial data provider. Comparable to JCIC in providing aggregated credit and risk data to lenders, though focused on commercial rather than consumer credit.
• Experian: Global credit bureau operating across consumer and business credit reporting. Comparable to JCIC in core credit-information aggregation and scoring services, though Experian is a for-profit multinational with a far broader product portfolio and geographic footprint.
• TransUnion: Global information and insights company focused on credit reporting and risk management. Closely comparable to JCIC in serving financial institutions with credit data, scoring, and fraud-prevention services.
• Equifax: Major global credit bureau providing consumer credit reports, scoring, and analytics. Comparable to JCIC in the credit bureau function for lenders and consumers, but operates across multiple countries at much greater scale.
• People's Bank of China Credit Reference Center (PBCCRC): State-affiliated credit reporting agency operating the national financial credit information database in China. Comparable to JCIC as a regulator-backed national credit bureau, though operating at vastly larger scale in Mainland China.
• CRIF: Italy-headquartered global credit bureau and business information provider. Comparable to JCIC in B2B credit information services to banks and financial institutions, with strong presence in EMEA and selected APAC markets.

Direct peers

• Korea Credit Bureau (KCB): South Korea's primary consumer credit bureau under FSC-equivalent oversight. Closely comparable to JCIC in serving as the mandated centralized credit information aggregator for member financial institutions in a single Asia-Pacific market.
• Credit Information Corp. (CIC) Japan: Japan's main consumer credit information exchange serving member financial institutions. Closely comparable to JCIC as a national credit bureau under regulatory oversight, providing credit reports, scoring, and fraud-prevention services.

Emerging players

• FICO: Provider of credit scoring analytics and decisioning software widely used by lenders. Comparable to JCIC's scoring and analytics products, though FICO licenses algorithms rather than holding the underlying national credit database.

Others

• Taiwan Financial Institute: Taiwan-based financial training and certification body partnered with JCIC for personnel recruitment exams since 2019. Comparable as a Taiwan financial-services ecosystem participant, though operating in education/training rather than credit information.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC
• Facebookfacebook.com/jcic.org.tw
• LinkedInlinkedin.com/company/joint-credit-information-center

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Joint Credit Information Center