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
- 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
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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.
What is PT AAI AAI INDONESIA?
PT AAI AAI INDONESIA is the subsidiary company under Ant International established in November 2024, offering AI-driven credit scoring solutions to the underserved SMEs and individuals.
What is Consumer Credit Scoring product？
The consumer credit score is a numerical representation of a borrower's creditworthiness. Our consumer credit score system is designed to follow the industry standard, with a score range of 300 to 850 that reflects the likelihood of the borrower repaying their debts on time. The scoring system is tailored to the Indonesian market while maintaining global industry standards.
How is the SME Credit Score evaluated?
SME Credit Score is derived using a combination of traditional and alternative data which might include telco data，mobile payment patterns or social media activity.
What are the key advantages of our Consumer Score?
Our Consumer Credit Score offers several significant advantages:
- Cutting-Edge Machine Learning Algorithms:
Our scoring solution is powered by advanced machine learning models to predict credit risk with high precision. These algorithms have undergone rigorous testing and optimisation, showing outstanding performance in predicting loan defaults and improving lending efficiency.
- Localised for Indonesia:
We have meticulously adapted our models to reflect the specific needs and dynamics of the Indonesian market. This ensures the evaluation of creditworthiness aligns with local market practices and regulatory requirements.
- Comprehensive and Accurate Data Utilization:
We leverage diverse, high-quality local data sources through collaborations with local partners to enhance credit evaluation. By incorporating alternative information in a compliant manner, our solution delivers more accurate assessments of creditworthiness, helping financial institutions, fintechs, and platforms better serve underserved and thin-file SMEs and individuals.
- Easy Integration:
Simple API access provides seamless integration into your existing workflows.
What are the subscription models for our Consumer Credit Score?
There are two subscription models for Consumer Credit Score, as below:
(i) Pay-as-you-go Model: pay per successful credit score query
(ii) Subscription Model: monthly subscription rates offer unlimited access each month
How do customers access and generate a Consumer Score?
To access Consumer Score, customers will need to integrate with our API after subscription and submit required information, our system will then automatically generate a Consumer Score that is usable for risk assessment, loan approval, credit limit setting to make informed credit decisions.
Do we offer any customised Consumer Score for customers?
Yes, we do provide customised credit scoring solutions that fit different business scenarios and target customers for our strategic partner.
Why choose us?
We provide industry-leading credit scoring solutions that are reliable and tailored for Indonesian market. Our system combines global best practices with local expertise to deliver accurate and relevant credit risk assessments, fast integration, and ongoing support. We empower your business to make smart lending decisions.
