Mastercard announced a strategic collaboration with CLIK Indonesia, a leading private credit bureau, to deliver advanced consulting services that empower card issuers and financial institutions across Indonesia. The collaboration addresses pressing market needs for optimal, data-driven intelligence that allows lenders to grow responsibly, improve decisioning, and protect portfolio health.

Indonesia’s financial sector is undergoing rapid transformation, driven by digital adoption, rising credit demand, and the expansion of small businesses. Indonesia has approximately 65.5 million micro, small, and medium-sized enterprises (MSMEs) that employ a workforce of 119 million people. These enterprises form the backbone of the Indonesian economy, accounting for more than 61 percent of the country's gross domestic product, according to the Indonesian Central Bureau of Statistics. Despite their scale, access to finance remains the biggest obstacle to their growth. According to the 2026 IMF Article IV report, Indonesian MSMEs face significantly higher borrowing costs and more complex loan application procedures compared to peer economies.

In this high-growth environment, financial institutions face the dual mandate of expanding access to credit while protecting portfolio health, requiring better signals and stronger models. CLIK provides extended credit histories, predictive scoring, and deeper repayment insights that extend beyond the data available from official sources in Indonesia. Using insights from the data, Mastercard’s global advisors deliver actionable strategies that can enhance underwriting decisions, support sustainable portfolio growth, and strengthen debt recovery. This builds a more mature, data-driven, and resilient credit ecosystem in Indonesia, with benefits extending to government agencies, financial institutions, small- and medium-sized enterprises, and individuals.

“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.

Matthew Driver, Executive Vice President, Head of Services, Asia Pacific, Mastercard said, “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’s deep local credit insights, we are enabling financial institutions make smarter decisions and grow in a sustainable way.”