Indonesian credit information agency Credit Bureau Indonesia (CBI) convened regulators, banks, multifinance firms, fintech players, and small businesses at CBI Connect 2025, held at The Ritz-Carlton Jakarta, to discuss innovations in credit risk management and financial inclusion.
With the theme Driving Innovation for the Next Era of Credit Risk, the event underscored the role of data-driven solutions in strengthening the country’s financial stability and supporting long-term economic growth.
In his opening remarks, Aslan Lubis, Head of the Banking Licensing and Crisis Management Department at the Financial Services Authority (OJK), said the regulator has launched several initiatives to improve financing access and deepen financial markets.
“The issuance of the POJK on Ease of Financing Access for MSMEs and other regulations provides multiple opportunities for Credit Information Management Institutions to reinforce their role within the financial ecosystem,” Lubis said. He added that CBI Connect 2025 represents a key momentum for innovation and collaboration to expand financial inclusion and prudent risk management.
CBI highlighted three pillars of innovation shaping Indonesia’s financial landscape: strengthening credit risk management, driving MSME growth, and enhancing financial literacy.
Peter Sugiapranata, CBI’s Director of Sales, introduced three flagship solutions—CBI Polaris, Portfolio Alerts, and Income Predictor—that enable lenders to assess creditworthiness more accurately.
“CBI Polaris allows flexibility to build credit risk models within a secure environment; Portfolio Alerts provides early warning signals to maintain portfolio quality; and Income Predictor estimates borrowers’ income to help prevent overexposure risks,” he said.
For small and medium enterprises, CBI’s SME Bureau offers tools to improve onboarding and underwriting through its SME Report and MSME rating system. Tiffany Octaviana, Head of CBI SME Bureau, said the platform delivers “ready-to-use intelligence” to help institutions make data-backed decisions while sustaining portfolio quality.
Through its SkorKu mobile app, CBI also promotes public access to credit information, allowing individuals to monitor their scores and manage their financial health responsibly. Panelists from Mandiri Utama Finance, Allo Bank, and Indodana Fintech agreed that data analytics and digital verification have made credit processes faster, more transparent, and inclusive without compromising prudential standards.
“CBI Connect 2025 is not just a conference—it is a collaborative platform designed to promote the adoption of data and technology in strengthening risk management, unlocking growth opportunities, and building trust across the ecosystem,” said Anton K Adiwibowo, President Director of CBI.
As a licensed Credit Information Management Institution (Lembaga Pengelola Informasi Perkreditan, LPIP) under OJK supervision, CBI reaffirmed its commitment to drive innovation, broaden financial inclusion, and uphold strong risk management to enable financial institutions and individuals to grow with confidence. (***)
Source: cbi.id
