Credit Scoring Software

Analyse Your Customer’s Credit-worthiness With AI 

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Automate Your Credit Scoring Process

Complete the digital transformation of your loan origination with credit scoring. Appraise the eligibility of your each and every customer profile to automatically generate their credit score.

Drastically Speed Up Loan Origination Process

There are a lot of factors that can affect the worthiness of your prospective debtors. Credit scoring system is designed to speed up your credit analysis process so that your customer can get their financed fund in an instant.

Machine Learning Based Credit Risk Assessment Tool

Take advantage of the power of data and take a look of every credit risk profile at a glance. Recalibrate every batch of data sample to achieve the most precise AI based credit risk assessment of your customer.

Comprehensive Fraud Detection Checking

Most of the time, fraud doesn’t come from the outside, but rather come from the inside. Detect any suspicious and irregular customer behaviour within seconds for further analysis.

Open For Third Party Data Integration

Learn and know your customer even better by connecting your credit scoring system with other third party system such as E-KYC, Dukcapil, Pefindo, and SLIK to make your credit score calculation more accurate.

The Credit Scoring model can help assess the creditworthiness of the borrower, and whether the borrower is eligible or not to be given a loan. The credit scoring model is commonly used for debt collection.

Easier to integrate with CONFINS

Felia Dermawan

Easy to use and very reliable

Metta Dwina

Good product for big enterprise, the system can be customize to suite the region

Rusli Tanugroho

AdIns Credit Scoring is fairly easy to learn and use. Credit Scoring fulfill my needs for my job

Triadi Anthony

The system provide good documentation data with systematic and ordered arrangement

Josef Mulyawan
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Credit Score

How many credits do you have? Credit score can help banks perform credit application analysis and also creditors can compare debtor information with other customer loans with similar profiles.

What is Credit Scores

Credit scoring models is an assessment that is used as a basis for consideration for lenders before providing loan funds. Usually this assessment consists of several criteria such as occupation, age, marital status, type of residence, position, years of service, place of work, education, etc. Financial institutions or banks (creditors) usually have a systematic process in credit analysis with strict variables. The guide uses the 5C and 5P principles, such as Character, Capacity, Capital, Condition, and Collateral as well as Personality, Purpose, Prospect, Payment, and Party. This process is usually carried out by bankers such as validating the identity of prospective borrowers to the Financial Information Service System (SLIK). Before, this process was known as BI-Checking. Then the prospective borrower will be asked to attach documents to complete the administration. By accessing SLIK, financial institutions registered with the Credit Information Bureau or Credit Information Management Agency (LPIP) will obtain a credit score for prospective borrowers calculated from collectibility records. Use credit scores to see the worthiness of debtors. The credit score that will be obtained is between 1 to 5, when the number is getting smaller, the greater the potential for the loan to be received. But the higher credit score when the score enters numbers 3 to 5 prospective borrowers will be immediately rejected because they are blacklisted. So the higher credit score debtor have will decreace their chance to get loans. Credit scoring models is also a data processing and analysis of financial data regarding prospective customers in determining the level of creditworthiness of loans to obtain Unsecured Loans (KTA), Credit Cards, Home Ownership Loans (KPR), etc. Use a Credit score as an indicator to measure the creditworthiness of prospective debtors before making credit decisions. The credit score is also useful as a reference to set loan interest rates and maintaining the quality of credit assets for risk management. Credit scores will start when someone try to make new credit accounts , because when people want to make new credit accounts they need to complete their administration data so the bank/ financial institution can view their profile. So the start of new credit accounts will also start the credit scores.

Types of Credit

Here are some types of credit you might know

  • Revolving Credit 
  • Installment 
  • Open Credit 

Credit Report

Credit Report is a report provided by the credit reporting agency at the request of the party providing the loan to the debtor whose name is listed in the credit report; the credit report includes bank credit facilities enjoyed from debt payments, including punctuality, late payments, and arrears; in Indonesia credit report information can be obtained at Bank Indonesia. Credit report is quite crucial, Credit report is needed to make sure debtor history and to tracks debtors behavior. Before giving loan, bank or financial institution needs to check credit report of their customer. Credit report is very important to support decision making. Besides Credit report length of credit history also needed to make decision before giving loan.

Advantages of Credit Scoring Models for Financial Institutions

1. Evaluation and Analysis of Credit Applications

In conducting credit analysis requires accuracy and foresight so that credit score can be used as a reference before the bank (creditors) provides credit to the debtor. With integrated credit scoring, banks can compare borrower information and performance. The more information obtained, the better the assessment and analysis of the credit application will be. With this credit score, decision makers, especially in financial institutions or banks (creditors), will be assisted in managing credit distribution and evaluation, and also credit scoring can minimize the risk of bad credit in the future.

2. Helping the Credit Survey Process

In addition to conducting analysis, integrated credit score contributes to the credit survey process. To carry out this credit survey process it takes a long time because employees / staff still use limited data so that it is a conventional process, but now there is a solution. When a bank or financial institution uses integrated credit scoring, all data related to debtors will appear quickly and completely.

3. Assess the Borrower's Ability to Pay Better

Generally, when using conventional credit score, it only focuses on credit history, and of course it is different from integrated credit scoring. Banks or financial institutions to get a more specific picture. Such as the integration of credit scoring with big data that can facilitate financial institutions or banks in developing credit scoring with risk analysis in accordance with their approach. In this way, banks or financial institutions can better know the habits of prospective debtors or their business partners, such as how often they shop and make payments by credit cards.

When the debtor wants to apply for a loan but it is often difficult to pay and settle the bill, the debtor's status can be threatened by the credit score system. Applications are also likely to be rejected, therefore, before applying for credit, the debtor needs to ensure that he has paid his bills (credit cards, etc.) on time and his credit history is clean. Not only the bill and credit history, but also the interest must be paid by the debtor because the interest must also be paid by the debtor.

Credit score used by finance companies or banks has a feature to determine the amount of loans that can be given to debtors. The amount of this loan is usually determined by transactions that are usually carried out by the debtor, smooth in making loan payments, etc. Debtors can have more value when they are smooth in paying their bills. Because not all debtors are punctual, sometimes many find it difficult to pay their bills.

Use credit scores to see your debtors is reliable or not. Beside that creditors can also see from credit reports before making a decision. Credit reports generated from credit scores. From credit scores authorities can convert it into credit reports that can be seen by banks/ financial industry, etc. Different credit scores result will make different available credit too.

When people wants to apply credit card , credit scores also needed, because credit card is similar with loan. Customer will pay something using bank money first then at the end of the month they just paid the bill. That's why credit scores used when people wants to apply credit card.

Frequently Asked Questions

Credit scoring is a credit risk assessment method that uses financial and statistical data to measure the likelihood of a borrower being able to repay a loan. The goal is to help financial institutions make more objective and quicker credit decisions.
Banks use credit scoring models to automate the credit risk assessment process, improve efficiency, and reduce subjectivity. This helps them make more consistent and accurate credit decisions.
Credit Scoring by AdIns automates your Loan Origination process in assessing your customer's creditworthiness using AI
Credit Scoring by AdIns is integrated with the CONFINS and can be integrated with other core systems.
You can implement Credit Scoring in your company within 2 months.
Please submit a complaint through your IT support then to JIRA and we will immediately help with any technical difficulties.