Sxored Blog

Innovations and insights in the world of finance

The 5 Pillars of Banking Digital Transformation

29 Jul 2025

As Indonesia’s digital economy accelerates, the OJK’s Digital Transformation Blueprint lays out five strategic pillars to modernize banking—from data governance to API-driven collaboration. For banks, aligning with this framework is no longer optional—it’s essential to thrive in a $124 billion digital future.

Credit Scoring: The Financial Gatekeeping System You Should Understand

26 Mei 2025

In Indonesia’s multi-bureau credit system, your financial reputation may differ across SLIK, Pefindo, and CLIK—impacting your access to loans, mortgages, and better rates. Credit scoring documents don’t just record your payment history; they verify identity, track risk classifications, and reveal your financial behavior across institutions. Understanding and managing these records is key to unlocking real financial inclusion.

The Critical Factors in Credit Scoring Document Monitoring: SLIK, Perfindo, and CLIK Systems

23 Mei 2025

In Indonesia’s dual credit reporting environment, accuracy in processing SLIK, Pefindo, and CLIK documents is critical to managing credit risk. From verifying borrower identity and loan history to checking data consistency across bureaus and validating automation outputs, financial institutions must adopt rigorous monitoring practices. These steps not only support better lending decisions but also safeguard against fraud and data breaches.

The Hidden Challenge: Normalizing Indonesia's Credit Scoring Systems for Effective 5C Analysis

20 Mei 2025

Indonesia’s fragmented credit scoring landscape—spanning SLIK, Pefindo, and CLIK—makes consistent 5C analysis a major challenge. Conflicting ratings, differing data structures, and incompatible methodologies create obstacles for lenders seeking reliable credit assessments. To unlock true financial inclusion, the industry must adopt standardized APIs, shared data models, and advanced normalization strategies.

© 2025 PT Sxored Veritas Finansial

© 2025 PT Sxored Veritas Finansial

© 2025 PT Sxored Veritas Finansial