Alternative Data Scoring for Indonesian Fintechs
Discover trustworthy borrowers in Indonesia, even with limited credit data. Get 450+ data points per applicant, gathered from global signals and local platforms.
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52%
Indonesians are visible to credit bureaus
RiskSeal helps lenders reach more Indonesians
In Indonesia, only 52% of adults have a transaction account, which means nearly half of the adult population is still outside the formal financial system.
With 212 out of 281 million Indonesians already online, their digital footprint could give lenders a much clearer view if they’re creditworthy.
When traditional bureau data is limited, RiskSeal steps in. We analyze each applicant’s email, phone number, name, location, and photo across 200+ online platforms. That way, we give lenders 450+ real-time data points, so they can make smarter, more inclusive lending decisions.
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Local Indonesian platforms for alternative data checks
RiskSeal collects data from 200+ online sources, including popular services across Indonesia.
Here’s a selection of the most widely used Indonesian platforms we include in our analysis. For the
full list, including niche and regional services, please reach out to our team.
Tokopedia
Shopee
Bukalapak
Benefits of alternative digital scoring for Indonesian lenders
More accurate decisions
Expand risk assessment context with 450+ data points on each applicant from 200+ online services.
Higher credit inclusion
Safely approve more loan applications, even for people with zero credit bureaudata available.
Lower default rates
Strengthen your portfolios and reduce defaults by enriching credit models with alternative data.
Client success stories
See how RiskSeal’s unique data sources generate pure Gini uplift, even in emerging markets. Real numbers. Real before/after performance.
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FAQ
How much does it cost Indonesian lenders to use RiskSeal?
RiskSeal offers three pricing packages for Indonesian lending providers:
Pilot Program. Designed for fintech startups, pilot projects, and lenders new to alternative data. Pricing starts at $499 per month with a fixed monthly commitment and limited transaction volume. The package includes API integration, basic onboarding and support, and monthly usage reporting.
Enrichment. Intended for banks, digital lenders, and institutions with existing credit models. This package uses usage-based pricing, with clients paying per enriched applicant report. It includes alternative data attributes, risk indicators, flexible integration options, and dedicated implementation and technical support.
Intelligence. Built for large digital lenders, banks launching new digital products, and enterprises transforming their underwriting systems. This package uses custom enterprise pricing and combines RiskSeal’s alternative data with its proprietary scoring model, continuous model optimization, custom decision strategies, and dedicated risk consulting.
RiskSeal also offers a free Proof of Concept (PoC), with no additional fees for integration, support, or training. For more information or to discuss the package best suited to your business, please visit our pricing page or contact our sales team.
What benefits does RiskSeal bring to credit providers in Indonesia?
When you partner with RiskSeal in Indonesia, we take care of your effortless setup tailored to your business.
Our experts help you put data into action, and our 24/7 support keeps everything running smoothly.
With 99.9% uptime, you can trust our systems to be there whenever you need them.
Plus, you’ll have access to a powerful client portal to track results and fine-tune your strategy
How can I be sure RiskSeal’s data will improve my company’s processes?
Before committing to full integration, we help you see exactly how our data can support your processes:
- Run a free Proof of Concept (PoC) using your historical transaction data.
- Test our digital credit scoring directly on your own data to evaluate its potential.
- Receive a detailed report showing how RiskSeal can enhance your existing models and processes.
With these insights, you’ll have a clear, measurable picture of the value we can bring before moving forward.
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