Bangun Percaya Sosial

What Bangun Percaya Sosial does

Bangun Percaya Sosial (BPS) is an Indonesia-based financial data and analytics company founded in 2018 that provides AI-powered alternative credit scoring and transaction authentication services to domestic financial institutions. Its product suite comprises three offerings: the Alternative Credit Score, which translates behaviors such as mobile phone top-ups and online purchases into a default-risk expression; the Innovative Credit Score (ICS), a multi-dimensional risk score built on non-SLIK alternative data drawn from social media, telco, and e-commerce sources; and Transaction Authentication, which performs risk-based verification of email and phone data. Underlying these products is the BPS Model Institute, a machine learning pipeline trained on millions of locally sourced Indonesian data points that produces both numerical scores and characteristic variables used to predict the likelihood of default.

The company sells to banks, fintechs, and lending institutions in Indonesia through a direct enterprise field sales motion supplemented by API integration, with commercial engagement conducted via a "Request a Demo" / contact-based, quote-driven pricing approach on a usage-based or subscription basis. BPS is registered and supervised by Otoritas Jasa Keuangan (OJK) under registration number S-43/IK.01/2025 and holds ISO 27001:2022 and ISO 27701:2019 certifications, positioning it as a regulated and security-audited provider serving the unbanked and underserved Indonesian population. The firm is led by President Commissioner Agus Sugiarto (former Bank Indonesia Deputy Director and OJK Director), Commissioner Endi Roswendi (former Pefindo and World Bank consultant), and Director of IT and Operations Raddy Suhendra (over 20 years of banking IT experience), and operates from Chase Plaza, Jakarta. No external funding rounds or institutional investors are disclosed.

Name

Bangun Percaya Sosial

Legal name

PT. Bangun Percaya Sosial

Website

https://bpsdata.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Bangun Percaya Sosial is an Indonesia-based fintech data company that provides AI-powered alternative credit scoring and transaction authentication services to banks, fintechs, and lenders using non-traditional data sources to serve the unbanked and underserved population.

Ownership category

akta.pro rank

Product category

Alternative Credit Scoring

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)

akta.pro secondary industries

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA), Data Extraction & Structuring (Invoices, POs, Receipts, KYC) (BPAAAKAF), Workflow & Case Management (Human-Centric BPM) (HDAEAHAA)

Keywords

• Alternative credit scoring
• Credit risk analytics
• AI credit decisioning
• Identity verification services
• Financial inclusion data

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Alternative Credit Scoring Services: BPS provides alternative credit scoring and transaction authentication services to financial institutions (banks, fintechs, lending companies). The company analyzes alternative data points to generate credit risk assessments, charging fees for each assessment or on a subscription/usage basis for API-integrated clients.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

BPS provides AI-based alternative credit scoring and transaction authentication services to financial institutions in Indonesia. Its platform analyzes alternative (non-SLIK) data such as mobile top-ups, e-commerce purchases, social media, and telco records via machine learning to produce default-risk scores and identity-verification outputs. The offering is delivered through API integration, supporting lenders in evaluating unbanked and underserved borrowers.

Product overview

Bangun Percaya Sosial (BPS) offers a suite of AI-based credit scoring and authentication services. The core product portfolio consists of three integrated offerings: Alternative Credit Score (for credit risk assessment based on transaction behavior), Innovative Credit Score (for alternative data-based credit evaluation), and Transaction Authentication (for identity verification). All services are powered by machine learning models trained on millions of local Indonesian data points and utilize AI, Big Data, and Machine Learning technologies for comprehensive and multi-dimensional credit risk assessments.

Differentiator

Problem solved

Functional benefit

Products and services

• Alternative Credit Score A numerical credit risk score that indicates the level of default risk based on an individual's behavior reflected in activities and transactions such as mobile phone top-ups and online purchases. Delivered to financial institutions to support credit decisions for borrowers with limited traditional credit history.
• Innovative Credit Score A numerical expression indicating the credit risk level of an individual, formulated from various alternative or non-credit (non-SLIK) data sources including social media, telco, and e-commerce data. Provides multi-dimensional credit risk assessments for lenders.
• Transaction Authentication Comprehensive risk analysis based on various information sources for authentication of personal data such as email and phone number. Supports identity verification processes for financial institutions during onboarding and transaction validation.

Quantifiable outcome

• Financial institutions can make better risk assessments and decisions using alternative credit data for the unbanked/underserved population
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

One partnership is on record.

• Various Indonesian Financial InstitutionscoreOthersBPS serves multiple financial institutions and companies in Indonesia as clients using its alternative credit scoring and transaction authentication services. Client logos are displayed on the BPS website indicating active commercial relationships with various banks, fintech companies, and lending institutions across Indonesia.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• AdaKami (Pinjaman Online): Indonesian online lending platform leveraging alternative-data scoring for thin-file borrowers. Overlaps with BPS on alternative-data underwriting methodology within the same Indonesian regulatory perimeter.
• Kredivo: Indonesian digital lending/BNPL platform that built proprietary alternative credit scoring on e-commerce and telco data. Comparable as an alternative-data scoring practitioner in Indonesia, though vertically integrated into lending rather than selling scoring as a service.
• TrustIQ (Trustika): Indonesian fintech lender using alternative-data credit scoring for underbanked borrowers. Comparable target segment and alternative-data methodology, though Trustika is a direct lender rather than a scoring-as-a-service provider.
• PrivyID (PT Privy Identitas Digital): Indonesian digital identity verification and KYC provider serving financial institutions. Comparable in transaction authentication and identity APIs and overlapping with BPS's identity/authentication product line.
• iScore / i-flexi (Indonesia credit-tech ecosystem players): Indonesian and Southeast Asian credit scoring and decisioning platforms using AI on alternative data. Operate in the same niche of credit-risk analytics for thin-file borrowers.

Direct peers

• ADVANCE.AI: Singapore-headquartered AI risk and identity platform serving Southeast Asia lenders with alternative credit scoring, KYC, and fraud detection — directly comparable alternative-data credit decisioning play with similar product surface and target market.

Regional players

• Investree (PT Investree Radhika Jaya): Indonesian P2P lending marketplace using proprietary credit assessment for SME and consumer borrowers. Comparable in alternative-data underwriting and shared OJK-supervised fintech ecosystem, with regional Southeast Asia expansion ambitions.
• Funding Societies (Modalku): Regional Southeast Asian P2P/MSME lending platform using proprietary alternative credit assessment. Comparable in alternative-data underwriting for underserved borrowers across the same regulatory geography.

Broad incumbents

• SLIK (Sistem Layanan Informasi Keuangan) / OJK Data Bureau: Indonesia's official financial information service operated by OJK, the conventional credit data backbone BPS's alternative scoring explicitly complements. Comparable credit-information category and shared enterprise customers.
• Pefindo (PT Pemeringkat Efek Indonesia): Indonesia's principal credit rating and credit information agency. Provides traditional credit reports and ratings to Indonesian financial institutions — overlapping customer base and credit-information product category, though focused on conventional data sources.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bangun-percaya-sosial

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 Bangun Percaya Sosial