Mastercard and CLIK Credit Bureau Indonesia have joined forces to offer credit risk consulting services tailored for card issuers and financial institutions in the Indonesian market.

Their collaboration merges CLIK’s comprehensive national credit bureau data with Mastercard’s expert advisory support, aiding in areas such as credit underwriting, portfolio management, and debt recovery.

Indonesia hosts about 65.5 million micro, small, and medium-sized enterprises (MSMEs) that employ around 119 million people and account for more than 61% of the gross domestic product, as reported by the Indonesian Central Bureau of Statistics. However, despite this substantial presence, access to finance remains a critical challenge.

According to the 2026 IMF Article IV report, Indonesian MSMEs often face higher interest rates and more complex loan application procedures compared to their peers in other economies. This disparity has prompted lenders to seek more detailed credit information and precise decision-making tools to expand responsibly while maintaining a low risk profile.

Collaboration Details

CLIK supplies extensive credit histories, predictive scoring models, and repayment insights that extend beyond the data available through official sources in Indonesia. Mastercard’s advisory team leverages these insights to develop strategies for credit underwriting decisions, portfolio growth, and collection processes.

This partnership aims to benefit various stakeholders, including government agencies, financial institutions, MSMEs, and individual borrowers, by fostering a more data-driven credit infrastructure across Indonesia.

Moreover, this collaboration underscores a broader trend in South and Southeast Asia where both global payments networks and local data providers are working to facilitate responsible credit expansion. For Mastercard, enhancing its service presence in Indonesia aligns with the company’s strategic focus on monetizing data and advisory services alongside its core network business. CLIK, meanwhile, sees this partnership as an opportunity to scale its credit data assets through a globally recognized framework. Both entities will continue to prioritize meeting the evolving needs of their clients and users while adhering to regulatory requirements.