Empowering partners with locally-adapted credit scoring powered by alternative data intelligence
Our AI-driven credit scoring solutions tailored for the Indonesian market – leveraging alternative local data, transformative modelling and scalable tech infrastructure to help banks, fintech companies and platforms to make faster, more accurate lending decisions.
Credit Scoring Powered by AI,
built for smarter credit decisions
We support inclusive financing through solutions for fair and rigorous credit assessment
Alternative Data Intelligence
Our alternative data intelligence harness local sources and cutting-edge machine learning, Large Language Model (LLM), heterogeneous networks and deep neural networks to enhance credit accessment. By analysing digital footprints and diverse data points, it enables financial institutions, fintechs and platforms to accurately assess credit risk, expand access to underserved populations, and unlock new lending opportunities with faster, more precise credit decisions.
Trusted & Compliant
Our credit assessment solution is built with strict privacy and regulatory compliance at its core. This ensures credit innovation is delivered with responsibility and trust.
Scalable Infrastructure
Hosted locally in Jakarta Data Centers, our credit scoring solutions are built on big data processing, AI modelling, and cloud-native infrastructure – supporting secure, high performance credit operation at scale.
Our Suite of Products
Credit Scoring for Consumers
Our consumer credit score solution provides a numerical measure of creditworthiness, ranging from 300 to 850 to reflect likelihood of repayment. Built on global standards, the scoring system is tailored to Indonesians' market.
Credit Scoring for SME
Our credit scoring solution applies advanced analytics and non-traditional performance indicators to assess the creditworthiness of small and medium enterprises – opening growth opportunities for underserved businesses and advancing financial inclusion.
Credit Scoring solutions tailored to every lending model
Banks and Financial Institutions
Credit assessment for banks and financial institutions
- Evaluate individual creditworthiness beyond traditional bureau data to offer personal loans, credit cards, and Buy Now Pay Later products with greater confidence.
- Support underwriting of business loans using alternative data, enabling financing for thin-file or SMEs with limited credit history.
Peer-to-peer lending platform
- Enable responsible peer-to-peer personal lending with accurate credit assessment.
- Assess gig workers and micro-entrepreneurs more accurately to expand access to working capital while managing risk exposure.
E-Commerce platforms
- Unlock responsible Buy Now Pay Later access with data-backed consumer insights.
- Support financing for online merchants and small business vendors, with dynamic credit scoring tailored to digital transaction patterns and platform data.
Ready to scale smarter? Let’s connect
Let’s connect
- PT AAI AAI Indonesia Established in November 2024, PT AAI AAI Indonesia is the subsidiary company under Ant International, offering AI-driven credit scoring solutions to the financial institutions, fintechs and platforms enabling them to serve more SMEs and individuals.
- Capital Place, lantai 19, Jalan Jend. Gatot Subroto Kav 18, Kuningan Barat, Mampang Prapatan, RT.6/RW.1, Jakarta Selatan, DKI Jakarta 12710
- +62 821-94084095
- aai-support@bettr.com
FAQs
Explore answers to common questions about Bettr Enterprise's offerings and services.