Driving Financial Inclusion in Indonesia with Innovative Credit Scoring

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Innovative credit scoring shows potential to enhance financial inclusion, transforming access for underserved populations.
The analysis highlights three barriers: fragmented regulation, limited data interoperability, and algorithmic opacity affecting credit assessments.
Qualitative, exploratory design based on eight focus group discussions with 36 diverse stakeholders informs the findings.
Implementation of systemic reforms is essential to unlock the full benefits of innovative credit scoring in Indonesia.

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Qualitative analysis identifies barriers to financial inclusion via alternative data and AI, suggesting key policy reforms.

Adam et al. (2025) studied this question.

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