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Lending & Multi-Finance
Assess creditworthiness more accurately with alternative data and AI.
Ready-to-use FINScore
Credit score generated in seconds
Telco, e-commerce, social media
Banks and financing companies still struggle to assess the creditworthiness of borrowers who lack a formal credit history in Indonesia's SLIK OJK system, particularly in the unbanked and underbanked segments. Traditional credit scoring methods that rely solely on historical banking data are unable to reach this segment, limiting access to formal financing.
HBM's Credit Scoring Solution addresses this challenge by leveraging alternative big data, including telecommunications data, e-commerce transactions, and digital footprints, processed with machine learning to generate real-time credit scores. This approach aligns with OJK Regulation No. 29/2024 on Alternative Credit Assessment, which encourages the use of non-traditional data sources to responsibly expand credit access across Indonesia's financial services industry.
Analyzes applicant phone number associations and usage patterns in real time.
Verifies applicant income data from official sources to validate repayment capacity.
Schedule a live demo or discuss your specific integration needs with the HBM team.
Based on OJK Alternative Credit Scoring regulation
Risk profiling based on device data, payment history, and multi-platform activity.
Detects applicants on high-risk watchlists before the approval process.
Verifies identity authenticity through social media and email account footprints.
Generates a ready-to-use credit score (300–900 scale) within seconds.
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