Credit Bureau Indonesia (CBI) has officially launched SkorKu, a mobile application designed to help Indonesians understand, monitor, and improve their personal credit scores. The initiative comes amid the rapid growth of e-commerce, digital lending, and “buy now, pay later” services.

The app is expected to make credit insights more accessible to a wider segment of the population, including individuals without traditional banking relationships.

SkorKu Targets Both Banked and Informal Economy Workers

Nora Asteria, Head of Consumer Business at SkorKu, said that many Indonesians are aware of credit risks but do not fully grasp the importance of credit scores or how to improve them.

“With SkorKu, Indonesians can now instantly check, manage, and improve their credit health. This empowers not just bank customers but also informal workers, micro-entrepreneurs, and young professionals who often lack access to formal financial education,” she said in a press release issued on September 3, 2025.

CBI’s move reflects an effort to ensure that all economic actors—regardless of their formality—can build a reliable credit profile.

Credit Health is Key to Financial Security and Life Planning

SkorKu enters the market at a time when credit scores play an increasingly vital role in everyday financial decisions. From housing and car loans to children’s education planning, a healthy credit score can unlock key opportunities.

In today’s digital economy, monitoring credit reports is also an essential defense against identity theft and fraud. By offering real-time access to personal credit data, SkorKu supports users in safeguarding their financial future.

Key Features of SkorKu: Full Reports, Dispute Tools, and Education

SkorKu is equipped with features that provide users with both insight and control:

• SkorKu Pro delivers a detailed credit report, including payment history over the past 24 months.
• Educational Tips help users understand steps to improve their credit scores.
• Credit Data Dispute Tools allow users to report and resolve inaccurate credit information.

These tools are designed to boost user confidence and improve financial decision-making through transparency and education.

CBI Supports Indonesia’s National Financial Inclusion Goals

According to CBI President Director Anton Adiwibowo, the launch of SkorKu is aligned with broader national goals.

“By educating all Indonesians to understand and take control of their credit health, we are directly supporting OJK’s goals for financial literacy and inclusion,” he stated.

CBI positions SkorKu not just as an app, but as a strategic instrument to strengthen Indonesia’s financial infrastructure in the digital era.

PHOTO: INFOBANKNEWS/KHOIRIFA

This article was created with AI assistance.