CLIK

What CLIK does

CLIK (legally PT CRIF Lembaga Informasi Keuangan) is an OJK-licensed Indonesian credit bureau established in 2019 as a joint venture affiliate of Italian credit information company CRIF SpA. The company aggregates cross-institutional credit data — including identification records, credit scores, loan repayment histories, collateral, credit card accounts, bonds, letters of credit, and guarantor information — and delivers credit information services to financial institutions, fintech companies, microfinance organizations, and government bodies across Indonesia. Its core offerings include three-digit credit scores, comprehensive credit reports, enquiry services, and consumer-facing credit reports accessed via partner platforms such as Skorlife and Amalan. CLIK also holds membership in AFPI, AFTECH, APPI, and BIIA, anchoring it within Indonesia's regulated financial ecosystem.

The product portfolio has expanded beyond raw credit reporting into analytics and risk management: Portfolio Risk Insight delivers risk segmentation and early warning indicators, a Tableau-powered general dashboard supports interactive visualization, a Sandbox Environment enables client-side model development, and a Credit Card Dashboard was co-developed with the Indonesian Credit Card Association (AKKI). In 2025, CLIK introduced CIKA (CLIK Intelligence Knowledge Assistance), an AI-powered virtual assistant built on natural language processing for instant financial-industry enquiry support. The business model is B2B subscription/recurring, with revenue generated from credit information, enquiry volume, and analytics products sold to financial institutions. CLIK first achieved free cash flow in June 2022, reached Rp 119.2 billion (~$7.5M USD) in 2025 revenue with Rp 20.3 billion net profit, and employs 69 staff (as of 2024) anchored in Jakarta.

Recent strategic activity signals a push into adjacent verticals and customer segments: a strategic collaboration with Mastercard (March 2026) for credit risk consulting, an ASLINDO partnership with 16 simultaneous microfinance institution agreements (February 2026) for financial inclusion, an MSME lending study with the Ministry of Cooperatives and SMEs (February 2025), and a corporate transformation program with CRIF Group (January 2026) covering management, technology adoption, and business strategy. The company is positioned as an infrastructure layer for Indonesia's financial services data ecosystem rather than a consumer-facing fintech.

Name

CLIK

Legal name

PT CRIF Lembaga Informasi Keuangan

Website

https://cbclik.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

CLIK (PT CRIF Lembaga Informasi Keuangan) is an OJK-licensed Indonesian credit bureau, affiliated with CRIF SpA, providing credit scores, reports, and analytics to banks, fintechs, microfinance institutions, and government bodies across Indonesia.

Ownership category

akta.pro rank

Product category

Credit Bureau Services

NAICS

Credit Bureaus (561450)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industry

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Credit bureau services
• Credit information reporting
• Credit risk analytics
• Financial data services
• Credit scoring solutions

Headquarters

HQ city

Kuningan Timur

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Credit Information and Reporting Services: CLIK generates revenue by providing credit bureau services to financial institutions, including credit scores, credit reports, enquiry services, and data analytics. Revenue for 2025 was Rp 119,210,480,436 with net profit of Rp 20,334,862,223. Revenue grew 166% in 2023 compared to 2022, and achieved 300% revenue growth in 2022 vs prior year.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

CLIK operates as a credit bureau in Indonesia, providing credit information on individuals and SMEs to support lenders and financial institutions in making objective credit decisions. The company delivers credit scores, credit reports, enquiry services, and analytics dashboards backed by data aggregated from multiple financial institutions. Complementary offerings include the AI-powered CIKA assistant, Portfolio Risk Insight analytics, Tableau-powered dashboards, and a Sandbox Environment for model development, all delivered to banks, fintech companies, insurers, and microfinance institutions.

Product overview

CLIK operates as a credit bureau offering a comprehensive suite of credit information services. The core offering consists of Credit Bureau Services providing credit information on individuals and SMEs, complemented by a Credit Score product that delivers three-digit numerical creditworthiness assessments. Additional analytical products include Portfolio Risk Insight for risk segmentation and early warning indicators, Tableau Dashboard for flexible data visualization, a Credit Card Dashboard developed with AKKI, and Sandbox Environment for model development. The portfolio also includes CIKA (CLIK Intelligence Knowledge Assistance), an AI-powered virtual assistant for instant service support, and Soft-pull Reports for credit score validation without hard inquiries. Supporting services include personal credit reports and complaint resolution procedures.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Increasing credit approval rates by up to 45% for credit cards and 30% for personal loans (Mastercard collaboration benchmark)
• +3 more outcomes

Named customers2 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

AI capability6 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• MastercardcoreStrategic or Co-development Partner · 17 March 2026Mastercard and CLIK Credit Bureau announced a strategic collaboration to deliver advanced credit risk consulting services for card issuers and financial institutions across Indonesia. The partnership leverages CLIK's deep local credit insights and national credit data with Mastercard's global expertise in data-driven decisioning and risk management. The collaboration aims to help institutions strengthen underwriting, maintain portfolio health, and enhance debt recovery effectiveness.
• ASLINDO LKM-LKMS (Association of Microfinance Institutions and Sharia Microfinance Institutions of Indonesia)coreStrategic or Co-development Partner · 6 February 2026CLIK formalized a strategic collaboration with ASLINDO through a Cooperation Agreement on February 6, 2026. The partnership supports expansion of national financial inclusion by leveraging credit information infrastructure. LKM and LKMS practitioners gain access to comprehensive credit data to support credit analysis and more prudent financing decisions. 16 Microfinance Institutions also signed cooperation agreements with CLIK simultaneously.
• CRIF GroupcoreTechnology or Integration · 15 January 2026CLIK and CRIF Group strengthened strategic collaboration at the beginning of 2026 through a corporate transformation program encompassing management and organizational strengthening, capability enhancement, advanced technology adoption, and business strategy optimization. CRIF Group reaffirmed full commitment as strategic shareholder providing ongoing support focused on technology, product innovation, and global best practice transfer.
• Astra Integrasi Digital (AID)coreImplementation/ SI/ Consulting Partner · 10 April 2025CLIK collaborated with Astra Integrasi Digital to host a strategic workshop on April 10-11, 2025 focused on strengthening risk management through digital innovation and advanced data analysis. The workshop addressed credit, liquidity, operational, and investment risks for Astra Financial business units, highlighting shared commitment to building a resilient financial system.
• Ministry of Cooperatives and SMEs (Kemenkop)coreStrategic or Co-development Partner · 1 February 2025CLIK established a strategic collaboration with the Ministry of Cooperatives and SMEs to enhance MSME loan accessibility through a data-driven and policy-based approach. The first phase (completed February 2025) involved a comprehensive study of MSME actors and lending mechanisms. The research supports government goals of streamlining credit processes while maintaining sound risk management principles.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Creditsafe: European-headquartered business and consumer credit bureau providing credit reports, scores, and analytics globally. Comparable to CLIK as a mid-sized credit bureau competing with the global majors while serving financial institutions with credit information products across multiple markets.
• Equifax: Global credit bureau providing consumer and commercial credit information, scoring, and analytics to financial institutions worldwide. Direct comparable to CLIK in core credit bureau services, though operates at vastly larger scale and broader geographic footprint.
• TransUnion: Global credit bureau offering credit reporting, scoring, fraud prevention, and analytics solutions to banks, fintechs, and lenders. Closely comparable to CLIK in B2B credit information services for financial institutions, with similar product categories around risk and decisioning.
• Experian: One of the three global consumer credit bureaus operating in multiple geographies, offering credit reports, scores, analytics, and decisioning. Directly comparable to CLIK as a credit bureau serving financial institutions with overlapping product categories including credit scores, reports, and portfolio analytics.

Broad incumbents

• Dun & Bradstreet: Global provider of business credit information, analytics, and decisioning insights, particularly strong in commercial/SME credit data. Comparable to CLIK's SME credit scoring ambitions and B2B credit information services, though operates at substantially larger scale with global commercial data assets.
• CRIF: CLIK's parent company and a major global credit bureau and business information provider headquartered in Italy, operating credit bureaus across multiple countries. Comparable as it provides the same credit bureau infrastructure and analytics CLIK offers, though at much broader geographic scale and with full vertical integration.

Regional players

• PEFINDO: Indonesia's leading credit rating agency providing credit ratings and credit information services to financial institutions and capital market participants. Comparable as a domestic Indonesian credit information provider serving financial institutions, though focused more on corporate/bond ratings than consumer credit bureau services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Clikkreditbiro
• LinkedInlinkedin.com/company/crif-lembaga-informasi-keuangan

Compliance1 record

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 CLIK