What SkorLife does

SkorLife (legal entity PT Skortech Karya Indonesia) is an Indonesian fintech founded in 2022 by Ongki Kurniawan and Karan Khetan, operating a mobile-first credit management and financial planning application for Indonesian consumers. The core platform integrates with licensed credit bureau CLIK to provide users direct access to their credit scores and collectibility (KOL 1–5) status from Indonesia's SLIK system, lets users check credit approval odds for products like KPR and vehicle loans, and detects identity misuse by flagging unauthorized loan applications. Native e-KYC verification is delivered through partner VIDA with Dukcapil data matching, and the app additionally uses Gmail API access and OCR to read credit card bills, surfacing due dates, spending patterns, and payment recommendations via the SkorPintar sub-product.

The company's product portfolio has expanded beyond passive monitoring to include SkorBantu, a debt assistance module offering mediation, restructuring, and buyback options for users with distressed credit. Distribution is exclusively direct-to-consumer through Google Play Store and Apple App Store (2.2M+ cumulative downloads, 4.7/5 Play Store rating, 'Best of 2023 Apps for Good'), with marketing concentrated on SEO-optimized educational content in Bahasa Indonesia covering SLIK, BI Checking, and credit management. The business operates a freemium model — first credit report request is free via voucher, subsequent requests are paid — supplemented by transaction fees on credit card bill payment facilitation and affiliate/referral revenue from third parties accessing user-authorized credit reports.

SkorLife is regulated under Indonesia's OJK via Regulatory Sandbox completion (Letter No. S-218/IK.01/2024), is ISO 27001:2022 certified, and has raised approximately $6.2M in total funding across a $2.2M pre-seed (September 2022, AC Ventures, Saison Capital, Achmad Zaky), a $4M seed (May 2023, Hummingbird Ventures, QED Investors, AC Ventures, Saison Capital), and a $6.17M round in January 2025 led by Argor Capital with Digital Currency Group, QED Investors, and Saison Capital. The company is headquartered in South Jakarta with a 1–10 person team and targets Indonesian consumers — particularly new-to-credit users, credit card holders, and fraud-conscious consumers — who face limited transparency into their credit standing.

Name

SkorLife

Legal name

PT Skortech Karya Indonesia

Website

https://skorlife.com

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

SkorLife is an Indonesian fintech mobile app that gives consumers access to credit scores, collectibility (KOL) status, credit card bill management, and identity monitoring via integrations with licensed credit bureau CLIK/SLIK, targeting new-to-credit and credit-seeking Indonesians.

Ownership category

akta.pro rank

Product category

Consumer Credit Management

NAICS

Credit Bureaus (56145), Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

akta.pro secondary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Credit score monitoring
• Consumer credit management
• Credit bureau access
• Identity monitoring
• Credit card management

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Credit Report Request Fees: Users receive their first credit information request free using vouchers provided by SkorLife. Subsequent requests for credit reports incur a fee that must be paid before accessing the information. This creates a transaction-based revenue stream from repeat users.
2. Credit Card Bill Payment Facilitation: SkorLife facilitates credit card bill payments through third-party payment service providers, generating revenue through payment processing facilitation and potentially transaction fees.
3. Third-Party Credit Access Facilitation: In certain circumstances, SkorLife facilitates third-party companies working with the platform to access users' Credit Reports upon explicit user consent, potentially generating partnership-based revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

SkorLife provides a mobile-first credit management application enabling Indonesian consumers to access their credit scores and collectibility status (KOL) from licensed credit bureaus (SLIK/CLIK), monitor credit standing, check credit approval odds for loans, detect identity fraud, and manage credit card bills with OCR-based automation. The platform also includes SkorBantu for debt resolution assistance and SkorPintar for credit card spending management, all delivered through a freemium mobile app distributed via Google Play Store and Apple App Store.

Product overview

SkorLife is an Indonesian fintech company offering a suite of credit management and financial planning products under the SkorLife brand. The core offering is the SkorLife mobile application, which serves as a comprehensive financial planner enabling users to access credit scores, monitor collectibility status (KOL), view credit approval odds, detect identity misuse, and receive personalized financial recommendations. The product portfolio includes two named sub-products: SkorBantu, a debt assistance module providing mediation, restructuring, and buyback services; and SkorPintar, a credit card spending monitoring tool that tracks due dates and usage patterns. The platform is regulated through the OJK regulatory sandbox and integrates with credit bureau CLIK, Dukcapil for identity verification, and Gmail for automated bill reading. The company targets Indonesian consumers who face challenges accessing affordable credit due to limited credit data infrastructure, including fresh graduates and freelancers.

Differentiator

Problem solved

Functional benefit

Products and services

• SkorLife Mobile App SkorLife is a financial planner and credit management mobile application for Indonesian consumers. It enables users to access their credit scores and reports from Indonesia's credit bureaus (SLIK/CLIK), monitor credit status and collectibility (KOL), check credit approval odds, detect identity misuse, and receive personalized financial advice. The platform also facilitates credit card bill management and direct payments through its app.
• SkorBantu SkorBantu provides debt assistance services through mediation, restructuring, and buyback mechanisms. It helps users manage and resolve problematic credit by facilitating communication between users and credit bureaus to adjust inaccuracies and settle outstanding debts effectively.
• SkorPintar SkorPintar is a financial management tool that monitors credit card spending and helps users track due dates and analyze credit card usage patterns to better manage their finances and improve their credit scores.

Quantifiable outcome

• 100,000+ users have protected their financial reputation using SkorLife
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• CLIK (Credit Bureau)coreTechnology or IntegrationCLIK is a Licensed Credit Information Management Institution (LPIP) with permits from OJK. SkorLife partners with CLIK to provide users access to their credit information and SLIK data.
• VIDAcoreTechnology or IntegrationElectronic Know Your Customer (e-KYC) service provider with enhanced verification. VIDA performs identity verification including KTP matching and Dukcapil data verification for SkorLife users.
• GooglecoreTechnology or IntegrationGoogle provides Gmail API access enabling SkorLife to read credit card bills and credit reports sent via email. Access is authorized through Google's access mechanism and complies with Google API Services User Data Policy including Limited Use requirements.
• Dukcapil (Civil Registration Agency)coreTechnology or IntegrationIndonesian civil registration agency. SkorLife verifies user identity by matching user data with Dukcapil records as part of the e-KYC verification process.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kredivo: Kredivo is an Indonesian digital credit and checkout financing platform serving underbanked consumers. It overlaps with SkorLife in the Indonesian consumer credit funnel and could integrate with or compete against SkorLife's credit transparency features.
• Credit Karma: Credit Karma is the largest consumer credit monitoring and recommendations platform in the US, offering free credit scores, monitoring, and personalized financial product referrals. It is the closest global analogue to SkorLife's credit transparency and PLG monetization playbook.
• ClearScore: ClearScore is a UK-based consumer credit marketplace that provides free credit scores and reports and matches users to lending products. Its freemium model and lender partnership revenue mechanics mirror SkorLife's intended path.
• Akulaku: Akulaku is an Indonesian fintech offering consumer credit, BNPL, and digital financial services. It is a relevant Indonesian peer shaping consumer expectations around credit visibility and access for underserved users.

Regional players

• Jirnexu: Jirnexu is a Malaysian fintech operating financial product comparison and credit-related platforms across Southeast Asia. It is comparable to SkorLife in serving digital-first consumers seeking credit visibility and product recommendations in the region.

Broad incumbents

• Experian: Experian is a global credit bureau and consumer credit information company. It is a broad incumbent whose data and direct-to-consumer products (including CreditWorks) compete with SkorLife's bureau-derived insights at the top of the funnel.
• TransUnion (Cibil): TransUnion is a global credit bureau (with CIBIL in India) that supplies credit data and consumer credit monitoring products. It is a broad incumbent whose data infrastructure shapes the same credit transparency category SkorLife serves.
• GoTo Financial / GoPay: GoTo operates the largest Indonesian super-app ecosystem (Gojek, Tokopedia, GoPay, GoPayLater) and is increasingly embedding credit services. Its scale and reach make it a comparable Indonesian consumer finance platform and a potential acquirer or competitor.

Emerging players

• Cashbac: Cashbac is an Indonesian consumer rewards and financial benefits app that engages underbanked users with cashback and credit card tools. It is an emerging player in the same consumer credit engagement niche as SkorLife.
• KoinWorks: KoinWorks is an Indonesian fintech lending and investment platform targeting SMEs and consumers. As an emerging player expanding into credit-related tools, it overlaps with SkorLife's audience of credit-curious Indonesian consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/SkorLifeID
• YouTubeyoutube.com/channel/skorlife
• Facebookfacebook.com/Skorlife-103382485740759
• LinkedInlinkedin.com/company/skorlife
• Instagraminstagram.com/skorlife

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds4 records

Investors8 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SkorLife