INDUSTRY co.id - >Jakarta> - PT Credit Bureau Indonesia (CBI), a licensed credit bureau (LPIP) regulated by Otoritas Jasa Keuangan (OJK), has announced a strategic collaboration with Indosat Ooredoo Hutchison (IOH) to support the advancement of inclusive and responsible credit assessment in Indonesia.

 

>This collaboration aims to address ongoing challenges in financial inclusion, particularly for underserved and thin-file segments that lack sufficient formal credit history. By enriching risk assessment approaches with alternative analytical insights, financial institutions are expected to enhance decision-making while maintaining prudent risk management practices.

 

>Under this collaboration, CBI leverages aggregated and anonymized analytical insights derived from telecommunications-related indicators, processed within a privacy-preserving and secure framework. No personally identifiable information is shared or transferred, and all processes are conducted in compliance with applicable regulations, including Indonesia’s Personal Data Protection Law (PDP) and OJK regulatory standards.

 

>The integration of these insights into CBI’s analytics framework supports the development of Bureau Telco Score – which is fully developed, owned, and operated by CBI – as an alternative scoring approach designed to complement existing credit assessment models. This enables financial institutions to better assess creditworthiness for new-to-credit consumers, MSMEs, and informal income segments, while maintaining strong governance and data protection principles.

 

>This collaboration reflects the commitment of Indosat Ooredoo Hutchison to responsible data utilization, where advanced analytics are applied within a secure and compliant framework to support more inclusive and informed decision-making by financial institutions.

 

>At the same time, CBI continues to strengthen its role in Indonesia’s credit information ecosystem through innovative approaches that prioritize regulatory compliance and data protection. The collaboration enables the enhancement of risk insights while maintaining strict adherence to data security and privacy principles.

 

>As demand grows for more inclusive and data-driven credit evaluation, this collaboration reflects a broader industry effort to balance innovation with responsibility. By leveraging privacy-first analytics, both organizations aim to contribute to a more inclusive, transparent, and sustainable financial ecosystem in Indonesia.

 

>“CBI is building the next generation of bureau infrastructure in Indonesia - fast, reliable, and responsive to the needs of the digital economy. Partnering with IOH strengthens our Bureau Telco Score and enhances credit analysis coverage across regions and income segments that have historically been overlooked in a safe, responsible and privacy-preserving approach,” said Anton Adiwibowo, the  President Director of Credit Bureau Indonesia.

 

>“This provides financial institutions better tools to serve the unbanked and underbanked responsibly, ultimately advancing Indonesia’s financial inclusion agenda,” he added.***

 

 

 

>ABOUT CREDIT BUREAU INDONESIA
>PT Credit Bureau Indonesia (CBI) is a licensed credit bureau regulated by OJK, providing secure and data-driven credit information solutions to financial institutions, businesses, and consumers. Its services include credit reports, analytics, and risk solutions designed to support responsible lending and financial inclusion.

 

>ABOUT INDOSAT OOREDOO HUTCHISON
>Indosat Ooredoo Hutchison (Indosat, IDX: ISAT) has the vision to become the most preferred digital telecommunications company in Indonesia. Together with its subsidiaries and affiliates, Indosat provides cellular services, ICT solutions, data centers, Fiber to the Home (FTTH), electronic payment services, financial services, and other digital services. Indosat has a larger purpose of empowering Indonesia, and with the spirit of Gotong Royong, Indosat wants to be the main collaborator in realizing it and creating meaningful change.