Mastercard and CLIK Credit Bureau Join Forces to Empower Lenders

Mastercard with CLIK Credit Bureau announced a strategic collaboration to deliver more advanced credit risk consulting services for card issuers and financial institutions across Indonesia. This initiative reinforces CLIK Credit Bureau’s commitment to strengthening the quality of national credit decision‑making using broader, deeper, and more predictive data.

As a country experiencing strong economic growth and rapid digital transformation, Indonesia faces an urgent need for a more mature credit infrastructure. Around 65.5 million MSMEs contribute more than 61 percent of the nation’s GDP and employ 119 million workers[1]. However, access to financing remains a major barrier for many businesses, with high borrowing costs and complex application processes, as reflected in the IMF Article IV Report 2026. This situation requires financial institutions to balance inclusive credit expansion with solid risk management.

CLIK Credit Bureau plays a key role in addressing this challenge by providing more comprehensive credit information compared to the primary national data sources. With richer data coverage ranging from payment history and predictive scoring to credit behavior insights CLIK Credit Bureau enables financial institutions to build sharper risk assessment models. Through this collaboration, Mastercard leverages CLIK Credit Bureau’s data and capabilities to deliver consulting strategies that can be directly implemented, helping institutions strengthen underwriting, maintain portfolio health, and enhance debt recovery effectiveness.

“We are pleased to support the advancement of Indonesia’s financial ecosystem through this strategic collaboration with Mastercard, which will enable the delivery of advanced credit risk consulting services for card issuers and financial institutions nationwide. Leveraging our deep expertise in credit scoring development and the breadth of our national credit data, this collaboration is poised to deliver effective solutions for institutions seeking to align business growth targets with prudent risk management unlocking promising opportunities built on a healthy and well-managed credit portfolio,” said Lucky Herviana, Chief Digital Transformation Officer of CLIK Credit Bureau.

Mastercard’s support strengthens the added value that CLIK Credit Bureau brings to the market. “Expanding access to responsible credit requires strong collaboration across the ecosystem. By bringing together Mastercard’s global expertise in data-driven decisioning and risk management with CLIK Credit Bureau’s deep local credit insights, we are enabling financial institutions make smarter decisions and grow in a sustainable way,” said Matthew Driver, Executive Vice President, Head of Services, Asia Pacific, Mastercard.

Similar programs previously implemented by Mastercard in the Asia Pacific region have shown significant impact, including increasing credit approval rates by up to 45 percent for credit cards and 30 percent for personal loans, with profitability achieved within 24 months for credit cards and 12 months for personal financing. Through this new collaboration, CLIK Credit Bureau is ready to bring similar benefits to the Indonesian market by leveraging more comprehensive local credit data.

[1] https://en.antaranews.com/news/366657/indonesias-655-mln-msmes-absorb-119-mln-workers-govt