Indonesian fintechs use long-term mobile data for credit scoring

Online lending companies in Indonesia are increasingly using alternative data, such as telecommunications records, to assess the creditworthiness of potential borrowers who lack traditional credit scores. Kuseryansyah, Head of Public Relations for the Indonesian Joint Funding Fintech Association (AFPI), stated that a mobile phone number active for 10 years can serve as a minimum scoring metric. This method allows lenders to evaluate applicants without strictly relying on savings or salary data.

This approach aims to expand credit access to lower-income populations, moving beyond just the middle and upper classes. As of November 2025, outstanding fintech financing in Indonesia reached Rp94.85 trillion, representing a year-on-year growth of 25.45%. Despite this growth, the scale of fintech financing remains small relative to the country's total national financing needs.