Pefindo Biro Kredit

What Pefindo Biro Kredit does

PT PEFINDO Biro Kredit, operating under the IdScore brand, is Indonesia's first private credit bureau and is registered and supervised by the Otoritas Jasa Keuangan (OJK) as a Lembaga Pengelola Informasi Perkreditan (LPIP). Headquartered at Gedung Bursa Efek Indonesia in Jakarta, the company aggregates credit data from OJK's SLIK system, its 350+ financial institution members (banks, multifinance, securities firms, BPR), and non-credit data from public institutions and partner agencies. It transforms that raw data into 250–900 three-digit credit scores, probability of default metrics, and detailed risk profiles for debtors. The platform offers a broad product portfolio: core IdScore scoring plus IdReport (credit reports), IdScore+ (enhanced scoring), IdMarket Profile (market intelligence), and specialized offerings such as IdBPR Score for rural banks, IdAlternative Score and IdTelcoScore for thin-file consumers using utility/telco/social data, IdCustomScore (institution-specific custom scoring), IdBenchmarking, IdBusiness Research, and IdIncomeEstimation. The MyIdScore mobile application extends these capabilities directly to individual consumers for personal credit-score checking.

The company operates a hybrid B2B/B2C commercial model. The primary revenue engine is recurring subscription and usage-based access fees paid by 350+ institutional members across the Indonesian financial services sector, with pricing negotiated on a quote basis (public pricing is not disclosed). B2C revenue runs through the MyIdScore mobile app and myidscore.id website, while a public credit-score simulator on the corporate site drives demand generation. Distribution channels include a member web portal (revamp.idscore.id/member), the MyIdScore mobile apps, a broad social media presence (Instagram, TikTok, LinkedIn, Facebook, Twitter, YouTube), industry event participation (Capital Market Summit & Expo, Munas Perbarindo, GRC Awards), and dedicated educational content. The company reports 95% CAGR in membership, 81% operating revenue CAGR, 79% YoY growth in credit inquiries (21M+ as of October 2022), and three consecutive years of profitability since 2019 with 19% net profit CAGR. In 2023 it received a disclosed investment from Southeast Asian PE firm Creador.

Name

Pefindo Biro Kredit

Legal name

PT PEFINDO Biro Kredit

Website

https://idscore.id

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

PT PEFINDO Biro Kredit (IdScore) is Indonesia's first OJK-licensed private credit bureau, aggregating SLIK and member-bank data into credit scores, reports, and alternative-data analytics for 350+ financial institutions including banks, multifinance, securities firms, and BPRs, with B2C access via the MyIdScore mobile app.

Ownership category

akta.pro rank

Product category

Credit Information Services

NAICS

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

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Scoring Models & Score Providers (FSAKAKAC)

Keywords

• Credit bureau services
• Credit scoring solutions
• Credit risk analytics
• Business credit information
• Alternative credit scoring

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. B2B Credit Information Services: Subscription and usage-based access fees charged to financial institutions and non-financial institutions for credit scoring, credit reports, and other credit information products. Members access IdScore, IdReport, IdScore+, IdMarket Profile, and specialized products like IdBPR Score, IdCustomScore, and portfolio monitoring.
2. B2C Credit Score Access: Individual consumers access their credit scores through the MyIdScore mobile and web application.
3. Custom/Specialized Scoring Products: Revenue from specialized products like IdBPR Score, IdCustomScore, IdAlternative Score, IdBenchmarking, IdTelcoScore, IdBusiness Research, and IdIncomeEstimation offered to financial institutions with specific analytical needs.

Go-to-market motion3 records

Distribution channels4 records

Marketing channels12 records

Core offering

PT PEFINDO Biro Kredit (IdScore) operates Indonesia's first private credit bureau, providing credit scoring, credit reporting, and credit risk analytics to financial institutions and individuals. The company aggregates credit data from SLIK (OJK's Financial Information Service System) and non-credit data from public institutions and partner agencies, transforming it into three-digit credit scores (250-900), probability-of-default metrics, and comprehensive credit reports via a subscription-based platform and the MyIdScore B2C mobile application.

Product overview

PT PEFINDO Biro Kredit operates IdScore as a unified credit information platform offering multiple interconnected services. The core offering includes IdScore (main credit scoring), IdScore Individu (individual scoring), and IdScore Bisnis (business scoring), supplemented by IdReport, IdScore+, and IdMarket Profile. The portfolio expanded significantly with pandemic-era products including MyIdScore (B2C mobile app), IdBenchmarking, IdAlternative Score, IdTelcoScore, IdBusiness Research, IdCustomScore, and IdIncomeEstimation. Specialized offerings include IdBPR Score for rural banks. Data is sourced primarily from SLIK (OJK Financial Information Services System) and integrated financial institution data.

Differentiator

Problem solved

Functional benefit

Brands

• IdScore Bisnis: Credit scoring solution for business entities to assess debtor credit profiles and risk levels
• IdScore Individu
• IdReport
• IdScore+
• IdMarket Profile
• IdBPR Score
• MyIdScore

Products and services

• IdScore Main credit information service platform providing comprehensive credit data processed into value-added credit scoring information, including debtor profiles, three-digit credit scores (250-900), historical credit reports, risk levels, and probability of default. Targeted at financial institutions as the primary B2B offering.
• IdScore Individu Individual credit scoring service enabling users to check personal credit scores and comprehensive credit profiles with risk analysis, accessible via web and the MyIdScore mobile application. Targeted at individual consumers for personal credit assessment and loan preparation.
• IdScore Bisnis Business credit scoring solution helping companies analyze debtor profiles, character, and creditworthiness from corporations to medium-sized businesses to support B2B lending decisions. Targeted at financial institutions and non-financial institutions performing business credit assessments.
• MyIdScore B2C mobile application allowing individuals to check personal credit scores, view probability of default percentages, and access payment history for self-risk profiling and financial planning. Available on Google Play and Apple App Store.
• IdReport Comprehensive credit report providing detailed historical credit information, outstanding facilities, payment behavior, and risk profile of a debtor. Targeted at financial institutions performing detailed credit assessment and KYC/background checking.
• IdScore+ Enhanced credit scoring service with additional value-added credit information and refined risk assessment beyond the standard IdScore. Targeted at financial institutions requiring deeper credit analysis.
• IdMarket Profile Market profile service providing market-level credit data and analytics for broader market intelligence. Targeted at financial institutions needing market segmentation and industry benchmarking insights.
• IdBPR Score Specialized credit scoring product developed for Bank Perkreditan Rakyat (BPR / Rural Credit Banks) with scoring models sourced from BPR credit data integrated with overall credit bureau data. Format customized for BPR business characteristics to support digital risk management and expansion of MSME and regional community lending.
• IdBenchmarking Benchmarking service enabling financial institutions to compare their portfolio performance against industry standards, competitive landscape, and credit risk exposure baselines. Targeted at financial institutions for portfolio monitoring.
• IdAlternative Score Alternative credit scoring using non-credit data such as utility payment history (electricity, phone, water, cable TV), rental payments, and social media activity to assess creditworthiness for individuals with limited traditional credit history. Targeted at financial institutions seeking to expand credit access to underserved populations.
• IdTelcoScore Credit scoring incorporating telecommunications payment behavior data as an alternative data source for creditworthiness assessment. Targeted at financial institutions seeking richer credit signals beyond traditional bureau data.
• IdBusiness Research Business credit research and intelligence product providing in-depth analysis and information for business credit assessment. Targeted at financial institutions and non-financial institutions performing corporate credit evaluation.
• IdCustomScore Custom credit scoring solution allowing financial institutions to design custom credit scores with specific parameters and additional non-credit data such as telco data, for specialized market segment analysis requirements. Targeted at financial institutions with specific analytical needs.
• IdIncomeEstimation Income estimation service supporting credit assessment by estimating borrower income levels. Targeted at financial institutions performing credit underwriting where income verification is needed.
• Portfolio Monitoring Portfolio monitoring and performance measurement service providing accurate and current data on financial institution positions relative to industry, competitive landscape, and credit risk exposure. Targeted at financial institutions for ongoing portfolio risk management.

Quantifiable outcome

• 95% CAGR membership growth since 2017
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature14 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Fineoz AIcoreTechnology or Integration · 2 December 2019PEFINDO Biro Kredit signed a cooperation agreement with Fineoz AI on December 2, 2019, to develop alternative credit scoring through the use of alternative data, enabling credit assessment for individuals with limited traditional credit history.
• Otoritas Jasa Keuangan (OJK)coreStrategic or Co-development PartnerRegistered and supervised by OJK as a Lembaga Pengelola Informasi Perkreditan (LPIP). Accesses SLIK (Financial Information Service System) data managed by OJK for credit information services.
• Asia Credit Reporting Network (ACRN)coreStrategic or Co-development PartnerMember of the Asia Credit Reporting Network (ACRN), a regional credit bureau network. Listed as a partner on the IdScore website footer alongside other institutional partners.
• Bank IndonesiaminorOthersHistorical data provider relationship through SID (Sistem Informasi Debitur) which was managed by Bank Indonesia from 2014-2017 before transitioning to SLIK under OJK's management.
• PT Bursa Efek Indonesia (BEI) - Indonesia Stock ExchangeminorOthersHeadquarters located at Gedung Bursa Efek Indonesia Tower I. Listed as an associated entity/partnership on the IdScore website.
• PT Kliring Penjaminan Efek Indonesia (KPEI)minorOthersListed as a partner institution on the IdScore website, part of the Indonesia Stock Exchange ecosystem.
• PT Kustodian Sentral Efek Indonesia (KSEI)minorOthersListed as a partner institution on the IdScore website, part of the Indonesia Stock Exchange ecosystem.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Equifax: Equifax is a global consumer credit bureau offering credit reports, scoring and analytics to banks and lenders. Comparable to IdScore on offering (bureau-style credit data and scores) and target customers (financial institutions), but as a much larger multi-region incumbent with deeper data assets.
• TransUnion: TransUnion is a global credit-information company providing consumer credit reports, scores and risk analytics to lenders. Comparable to IdScore on product and customer set, but with significantly broader geographic footprint and portfolio of analytics products.
• Experian Asia Pacific: Experian is a global consumer credit bureau operator; it provides credit scores, reports and analytics to financial institutions worldwide and competes with IdScore for cross-border and large-enterprise banking clients in Southeast Asia. It is comparable on product (credit reports, scores, analytics) and target market (lenders), but at much greater scale and broader geographic reach.

Emerging players

• Fineoz AI: Fineoz AI is an Indonesian alternative-data scoring startup that signed a December 2019 cooperation agreement with PEFINDO Biro Kredit to develop alternative credit scoring. Comparable to IdScore's IdAlternative Score and IdTelcoScore capabilities, focused narrowly on emerging alt-data underwriting for underserved borrowers.

Others

• FICO: FICO provides credit scoring models and analytic software used by lenders globally. It is comparable to IdScore on the scoring-model layer (IdScore's 250–900 score, IdCustomScore) and is an enabling/ecosystem participant rather than a direct Indonesia retail bureau competitor.
• PT PEFINDO: PT PEFINDO is the original Indonesia credit-rating and credit-information entity that historically managed Indonesia's debtor information system (SID/SLIK). It is a related/adjacent ecosystem participant: while PEFINDO Biro Kredit runs as the private LPIP under the IdScore brand, PT PEFINDO as the parent operates in the same credit-data domain from a legacy/government-affiliated angle.

Direct peers

• PT Credit Bureau Indonesia (CIBI): PT Credit Bureau Indonesia (CIBI) is an Indonesian private credit bureau providing consumer and commercial credit reports to banks and financial institutions. It is a direct domestic peer to IdScore, operating in the same OJK-supervised LPIP category and serving the same Indonesian lending market.
• CRIF Indonesia: CRIF operates a credit bureau and credit information business across Indonesia and is the most directly comparable competitor to IdScore, serving the same banks and multifinance institutions with consumer credit reports and scores. Both compete for the same pool of 350+ Indonesian financial-institution members under OJK oversight.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/idscore_ind
• YouTubeyoutube.com/@IdScoreIndonesia
• Facebookfacebook.com/IdScore
• LinkedInlinkedin.com/company/idscore
• Instagraminstagram.com/idscore.id
• TikToktiktok.com/@idscore.id

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds1 record

Investors1 record

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 Pefindo Biro Kredit