CLIK PRODUCT OVERVIEW
PRODUCT – DATA SERVICES
FULL CREDIT REPORT
+ +
CREDIT SCORE
Access to full credit bureau
data including details of
subject, credit facilities and
additional information.
Best In class credit bureau
score is calculated at the
time of enquiry and
delivered together with:
- Aggregated financial
data,
- Score Band
- Score point
- Risk Description
2
SLIM REPORT KYC REPORT
+ SLIK REPORT
CREDIT SCORE CREDIT SCORE
Access to a shorter report
A solution to verify
consist of subject details
customer identification
and limited credit facility
data in fast way.
information.
Best In class credit bureau
Best In class credit bureau
score is calculated at the
score is calculated at the
time of enquiry and
time of enquiry and
delivered together with:
delivered together with:
- Aggregated financial - Score Band
data, - Score point
- Risk Description
- Score Band
- Score point - Score factor;
highlighting factors
- Risk Description
that highly impacts the
score
Credit bureau report in
SLIK format,
• REAL TIME
• with UNIQUE MATCH
• UNRESTRICTED
querying capability
UNIFIED REPORT PORTFOLIO ALERT
A proactive alerting tool
that generates alerts based
Allow to access seamlessly
on trigger events related to
and to visualize at
change of subject and/or
aggregated level, credit contract data.
history as well and judicial
and legalization data of
promoter and all
connected individuals and
entities of the credit
application.
PRODUCT – ADDED VALUE SERVICES

CRIF CUSTOM
DASHBOARD SOLUTION HUB CUSTOM REPORT SCORECARD
AS SERVICE

Create scorecard based on your preferred

CSH is a technology overlay on the credit
Information management tool for getting
bureau service that creates an actionable
insightful data and centralizing the KPIs
insight out of multiple data sources.
Market Research: Gathering statistics that
customization, leveraging look-a-like target
can give a macro-overview of Indonesia
population and behavioral data available in
Credit Market
the CLIK database

Monitor trends / performance of own

portfolio. Benchmark Report: Provide an analysis of
- Socio-demographic your product or institution against your
- Credit Performance benchmark
- Portfolio Analysis
- Credit Performance
- Covid-19 Analysis
- etc

3
HOW CLIENT CAN ACCESS THE SERVICE

A2A Batch Web

1 2 3
A2A Channel Batch Channel Web Channel

• Instant response (avg 1 second)
• Available 24/7
• Output report can be modified
• Format in XML SOAP
• Code template is provided
• Suitable for fast decision making such
as approval, collection etc.
• Bulk Process (10k in 30 minutes)
• Available only in day & working hours
• Output report can be modified
• Format in txt
• Suitable for monitoring process
• Single request via CLIK’s website
• Manual input, fast response (avg 5
seconds/inquiry)
• Format in PDF
• Suitable for front liner

4
 FULL REPORT

5
 A2A Batch Web
1 2 3
SERVICE OVERVIEW A2A Channel Batch Channel Web Channel

PRODUCT DESCRIPTION
The full credit bureau report contains all the information available at credit bureau level for CONSUMER and
COMPANIES, including detailed identification data, credit score, financing facilities, history of enquiries. The report is
also enriched with CLIK’s ALTERNATIVE and PROPIETARY DATA such as account receivables, income, negative data, post
paid service, debt mediation, digital footprint data.

FEATURES
• Full Positive Bureau: it contains a wealth of POSITIVE and NEGATIVE INFORMATION on consumer and companies
allowing our clients not only to protect their business against “bad” customers but optimizing customer journey and
maximizing customer value though the entire lifecycle of customer journey.
• Full Historical Bureau: The system returns current and historical data on both identification/socio-demographic and
behavioral repayment data allowing our clients to gain deep insights on their customer.
• Predictive Analytics: Best in class Credit Bureau Score provides accurate RISK RANKING CAPABILITIES to our clients.
• Unique Match: thanks to our best-in-class matching technology CLIK delivers a single match to every enquiry. This is
FUNDAMENTAL for ensuring the COMPLETENESS of the credit report, an the ACCURACY of the SCORE.
• Demand and Potential Exposure: Tracking “shopping patterns” and capturing facilities still under evaluation allows
our clients to profile their customer also factoring potential exposure and propensity to specific products.

6
 A2A Batch Web
1 2 3
USE CASE A2A Channel Batch Channel Web Channel

FINANCIAL INSTITUTION

CUSTOMER LIFECYCLE

1 2 3
CUSTOMER COLLECTION &
ORIGINATION
MANAGEMENT RECOVERIES

• Identification and • Portfolio monitoring: • Portfolio at Risk:

application data ― Early Risk Detection ― Identify self cure
capture and ― Prospecting for ― Early/mid/late
verification up/cross/down sell collection strategy
• Credit Risk assessment ― Skip Tracing ― Skip tracing
for underwriting

• New employees / Agent / existing workers / Partners financial distress check

7
 A2A Batch Web
1 2 3
USE CASE A2A Channel Batch Channel Web Channel

INSURANCE COMPANY

CUSTOMER LIFECYCLE

1 2 3
CUSTOMER COLLECTION &
ORIGINATION
MANAGEMENT RECOVERIES

• Identification and • Portfolio monitoring: • Lapsed policies

application data ― Up/cross/Down sell. management :
capture and ― Claims management ― Identify self cure
verification ― Early/mid/late
― Skip tracing
• Fraud and Lapsed collection strategy
Policy Risk assessment ― Skip tracing
for insurance
underwriting

• New employees / Agent / existing workers / Partners financial distress check

8
 A2A Batch Web
1 2 3
USE CASE A2A Channel Batch Channel Web Channel

NON-FINANCIAL INSTITUTIONS

CUSTOMER LIFECYCLE

1 2 3
CUSTOMER COLLECTION &
ORIGINATION
MANAGEMENT RECOVERIES

• Identification and • Portfolio monitoring: • Past Due Receivables

application data ― Up/cross/Down sell. ― Identify self cure
capture and ― Skip tracing ― Early/mid/late collection
verification strategy
• Risk assessment of ― Skip tracing
counterparty and
payments terms ― Incentivize the clients to pay by
reporting the collection problem

• New employees / Agent / existing workers financial distress check

9
 A2A Batch Web
CLIK Credit Report 1 2 3

Subject Detail A2A Channel Batch Channel Web Channel

SUBJECT DETAIL

• Match or No Match flag

BOD , BOC , • Subject information including name, date
SHAREHOLDERS
and place of birth, married status, education,
gender, etc.
SCORE AND
CONTRACT SUMMARY • Current and historical address details and
date of update
CONTRACT DETAILS • Identification document type and ID number
• Contact details such as telephone number
COLLATERAL & and email
GUARANTOR • Employment data including type of
occupation, work-place, employer name,
ADDITONAL DATA
sector and address

10
 A2A Batch Web
CLIK Credit Report 1 2 3

Management Data A2A Channel Batch Channel Web Channel

SUBJECT DETAIL

BOD , BOC ,
• Providing information of the
SHAREHOLDERS
share holders, commissioner and
management, such as basic
SCORE AND
CONTRACT SUMMARY subject data, role and share of
ownership.
CONTRACT DETAILS
• Allow you to access the individual
full credit report of the BOD, BOC
or share holders without link
COLLATERAL & them into a specific loan request.
GUARANTOR

ADDITONAL DATA

11
 A2A Batch Web
CLIK Credit Report 1 2 3

Credit Score A2A Channel Batch Channel Web Channel

• Clik proprietary CB score, summarized by point, range and risk

class
• Key values such as number of contract, Credit limit and total
SUBJECT DETAIL
potential exposure, outstanding debt and overdue amount
• Summary by contract category and contract phase
BOD , BOC ,
SHAREHOLDERS CB SCORE FOCUS

64% 64%
SCORE AND GINI INDEX
CONTRACT SUMMARY
Individuals Business

Main score’s pillar

CONTRACT DETAILS
TYPE OF CREDIT LENGTH OF PAYMENT AMOUNTS
NEW CREDIT
IN USE CREDIT HISTORY HISTORY OWED
COLLATERAL &
GUARANTOR • Types of credit • Number of new • Length of credit • Payment • Amount owed
account accounts • Length of information on on each
• Number of • Time elapsed specific credit different accounts
credit by type since opening accounts accounts • Instalment loan
ADDITONAL DATA last accounts • Length of usage • Delinquencies account still
• Good recent of specific credit • # accounts with owed
credit vs old accounts no late payment • Number of
ADDITONAL DATA problems accounts with
balances

12
 A2A Batch Web
CLIK Credit Report 1 2 3

Contract Details and History A2A Channel Batch Channel Web Channel

Additional table view is presented

summarizing the severity of the delinquency
status in the observation period
SUBJECT DETAIL

Each facility type is reported with full monthly

BOD , BOC , update status detail for the 24 months as the
SHAREHOLDERS observation period used for the CREDIT
BUREAU SCORE DEVELOPMENT.
SCORE AND
CONTRACT SUMMARY

CONTRACT DETAILS
Other detail information for each of
facility including loan purpose,
COLLATERAL &
interest rate, limit details, overdue
GUARANTOR
detail and some life-time data.

ADDITONAL DATA

13
 A2A Batch Web
CLIK Credit Report 1 2 3

Collateral and Guarantor A2A Channel Batch Channel Web Channel

SUBJECT DETAIL
Detail collateral that linked into the facility.
Prevent the inappropriate use of collateral
BOD , BOC ,
that can pose a risk to the credit facility.
SHAREHOLDERS
The information including type of collateral,
value, location etc.
SCORE AND
CONTRACT SUMMARY

CONTRACT DETAILS

Providing the basic information about

COLLATERAL & the guarantor of the credit, such
GUARANTOR Name, ID and portion of guaranted

ADDITONAL DATA

14
 A2A Batch Web
CLIK Credit Report 1 2 3

Additional Data A2A Channel Batch Channel Web Channel

ACCOUNT RECEIVABLE ACCOUNT PAYABLE

Information about amount information about the

SUBJECT DETAIL of debt that committed from potential income or revenue
buying and selling of a of a subject.
business subject to its
business partners
BOD , BOC ,
SHAREHOLDERS
NEGATIVE EVENT POST PAID
SCORE AND
CONTRACT SUMMARY information about negative information about payment
events committed by history from post paid
consumers that can be used services such as electricity,
CONTRACT DETAILS to prevent specific risk like telephone, water, etc.
ID theft, fake transactions
etc.

COLLATERAL & IP & DEVICE

DEBT MEDIATION
GUARANTOR INTELLIGENCE

information about the Understand where the user

contract of a subject who is is coming from. Geography,
ADDITONAL DATA in the process of debt business vs personal IP
mediation address can narrow the
picture of risk and
creditworthiness

15
 SLIM REPORT

16
 A2A
1
SERVICE OVERVIEW A2A Channel

PRODUCT DESCRIPTION
SLIM report provides FEWER INFORMATION compared to full credit report. The data consists of subject details, credit
scores and financing facilities only at a summery level.
This report is suitable for institutions who do not offer direct to consumer services but act as intermediaries between
customer and service provider such as comparison website, aggregator company, e-Commerce platform, etc.

FEATURES
Slim report provides the same information as the Full Credit Report on Subject information, credit score and contract
summary, but it is different in the following aspect:
• Slim reports do not provide monthly payment behavior information. However, the report still provides the
collectability status in the last 24 months.
• All the institutions that the subject has loans with will be masked and anonymized.
• The report will not contain detailed contract information, such as maximum credit, collateral, guarantor, etc.
• It doesn’t contain any additional data related to the subject

17
 A2A
1
USE CASE A2A Channel

NON-Financial Institutions

CUSTOMER LIFECYCLE

1 2
ORIGINATION CUSTOMER MANAGEMENT

• Business matching, connecting ideal

• Identification and application
consumer to the most relevant
data capture and verification
service providers while establishing
• Customer profile and trust!
segmentation.

• New employees / Agent / existing workers financial distress check

18
 A2A
1
REPORT ILLUSTRATION A2A Channel

The above is only Illustration of credit report

19
 SLIK REPORT

20
 A2A
1
SERVICE OVERVIEW A2A Channel

PRODUCT DESCRIPTION

A CLIK credit bureau report that mimics the SLIK credit report format. The service is intended for clients who are
used to accessing credit data using SLIK; legacy integration to SLIK OJK could make the switch to other data
provider complex and cumbersome and at the same represent a operational bottleneck.

FEATURE

CLIK provides an exact replica of SLIK report, leveraging:

• Unique match, and
• State of the art APIs,
• No enquiry limitation,
• The report doesn’t contain any score nor proprietary data of CLIK.

21
 A2A
1
USE CASE A2A Channel

FINANCIAL INSTITUTION

CUSTOMER LIFECYCLE

1 2 3
CUSTOMER COLLECTION &
ORIGINATION
MANAGEMENT RECOVERIES

• Identification and • Portfolio monitoring: • Portfolio at Risk:

application data ― Early Risk Detection ― Identify self cure
capture and ― Portfolio monitoring ― Early/mid/late
verification collection strategy
― Prospecting for top
• Credit Risk assessment up/cross/down sell ― Skip tracing
for underwriting

• New employees / Agent / existing workers financial distress check

22
 A2A
SLIK CREDIT REPORT 1

Subject Data A2A Channel

23
 A2A
SLIK CREDIT REPORT 1

Contract Data A2A Channel

24
 KYC REPORT

25
 A2A
1
SERVICE OVERVIEW A2A Channel

PRODUCT DESCRIPTION
A compact report that will provide the match rate from comparing the input data versus VERIFIED DATA available in
CLIK database. The service is available for both CONSUMER and COMPANIES as a tool to SUPPORT KYC/KYB
requirements.
The service can help reduce the rejection rate on prospective customers caused by typos, thereby increasing the hit
rate without compromising the quality of matching.

FEATURE
• Match score; provide the match rate of the verified data
• Provide credit score and the score factor; not only verify your customer’s identity but also to get quick information
on your customer risk profile.

26
 A2A
1
USE CASE A2A Channel

NON-FINANCIAL INSTITUTIONS

CUSTOMER LIFECYCLE

1 2
ORIGINATION CUSTOMER MANAGEMENT

• Identification and application • Strengthened due-diligence due to

data capture and verification trigger events, i.e. high claims on
• Customer profile and cashbacks
segmentation.

27
 A2A
1
KYC REPORT A2A Channel

28
 UNIFIED REPORT

29
SERVICE OVERVIEW

PRODUCT DEFINITION

The unified report combines Credit bureau, Legalization, judicial, financial and business data. The report allows
seamless access to multiple data sources on multiple parties involved in the financing operations that is being
evaluated. The report allows the bank to visualize at an aggregated level key performance indicator of all parties
involved.

FEATURE :

• Single report covers promoter & all parties linked

• Report is comprised of multiple reliable sources
• Quick decisioning based on summary of multiple KPIs including credit bureau score, credit worthiness and credit
summary.

30
USE CASE

FINANCIAL INSTITUTION

CUSTOMER LIFECYCLE

1 2 3
CUSTOMER COLLECTION &
ORIGINATION
MANAGEMENT RECOVERIES

• Identification and • Portfolio monitoring: • Portfolio at Risk:

application data ― Early Risk Detection ― Identify self cure
capture and ― Prospecting for ― Early/mid/late
verification up/cross/down sell collection strategy
• Credit Risk assessment ― Skip Tracing ― Skip tracing
for underwriting

• Due diligence check to Vendors, Partners or other party for business engagement

31
+ +
 PORTFOLIO ALERT

33
 A2A Web
1 3
SERVICE OVERVIEW A2A Channel Web Channel

PRODUCT DESCRIPTION

A proactive alerting tool that generates alerts based on trigger events related to changes of subject and/or
contract data related to existing customer of the institutions. Institutions are allowed to set their own filters on
the type of alerts they want to receive and in combination with the Monitoring Enquiry, it optimizes the
efficiency and effectiveness to get more detail information.

FEATURE

• Freshest data in the market; CLIK can provide the alert at the earliest.
• Flexible triggers; client can set own filter based on the needs
• User-friendly; clients can directly access monitoring enquiry

34
 A2A Web
1 3
Portfolio Alert A2A Channel Web Channel

Alert Description
C01 The subject's contract status has been changed
C02 The subject's contract has become negative

C03 The subject's contract has the number of days past due above the threshold

C04 The subject's credit card percentage use is above the threshold
C05 The subject has been linked to a contract
C06 The subject has been unlinked from a contract
C07 The subject's contract has changed its list of linked subjects
C08 The subject's contract has changed the phase
C09 The subject's contract has been reorganized
S01 The subject's name has been changed
S02 The company's legal form has been changed
S03 The subject's CB status has been changed
S04 The subject has been merged
S05 The subject has been enquired
S06 The subject's address has been changed
S07 The subject's identification code has been changed
S08 The subject's NPWP / Tax ID has been changed
S09 The subject's contact has been changed
S10 The company's Establishment Number has been changed

35
4
 DASHBOARD

36
 Web
3
SERVICE OVERVIEW Web Channel

DASHBOARD is an information management tool that allows to visualize statistical data of the Indonesian Credit
Market, highlighting micro and macro trends, benchmarking your institution vs the rest of the market !

DASHBOARD provides easy and real time access through and interactive web-based solution to the most
comprehensive and updated data source of the Country.

DASHBOARD is the ideal solution for industry leaders, executives, researchers and government officials to detect the
”pulse of the economy”.

FEATURES

• Comprehensive Information; compiled of hundreds of statistical views on credit market

• Data Visualization; The trends and snapshots are conveyed in colorful and downloadable graphs, charts & maps.
• Freshness: Updated on monthly basis
• Interactive; Users can dynamically select 172 filters and create custom reports & views
• Web-based; Information is accessible from any browsers reliably at any time & securely
• Easy-to-use; Friendly user interface

37
DASHBOARD ILLUSTRATION

38
 CSH – CLIK

39
 A2A Web
1 3
SERVICE OVERVIEW A2A Channel Web Channel

CSH is a solution that gives the possibility for institution to integrate multiple data sources in one environment and
allows to execute scoring models and onboarding strategies. The solution offers an administration console to create,
profile users, parametrize business rule for external data sources and credit policies on the fly. CSH is designed to speed
up and improve decisions making processes for credit risk assessment.

FEATURES

• FRONT END FOR LOAN PROCESSING

• USER MANAGEMENT CONSOLE, FOR USER CREATION AND AUTORIZATION
• DECISION ENGINE INTEGRATION FOR LENDING STREATGY EXECUTION
• DATA CONNECTOR FRAMEWORK : SINGLE POINT OF ACCESS TO MULTIPLE
DATA SOURCES AND MANAGEMENT OF PURCHASING POLICIES
• NORMALIZATION OF DATA FROM VARIOUS SOURCES AND DATA MERGE
FUNCTIONALITY TO OFFER SINGLE VIEW

40
 A2A Web
1 3
A2A Channel Web Channel

Decision Engine
Designer

Applicants Info
Client Decision Engine Application Score
System
Bureau Score
Decision Matrix

Feedback Automated Decisions

Data Enrichment
Matching / Checking
Applicants Info
Bureau Score To be integrated
Other Data CLIK Data Historical Data Integration Done
SAMPLES

42
 CUSTOM REPORT

43
SERVICE OVERVIEW

Custom Reports is the customized reporting tool that allows client to develop reports that are tailored based on the
client needs. Leveraging the wealth database on credit data in Indonesia, CLIK can provide a reports that extracted
from hundreds of available data points into one comprehensive report.

These reports can be easily used for various purposes and the data within in the report can be refreshed as much as
needed.

DESCRIPTION
• A systematic process of collecting, analyzing and
interpreting relevant information of a specific market or
target.
Market Research • Typically, the report will contain set of aggregate data
from macro level of credit data in Indonesia.
PURPOSE
• Getting the insight of customer demographic, size and
diversity of consumers, trending product, etc.
• Discover new opportunity/markets that are under-
serviced or in demand
• Determine a new competitor, tread, etc.

• Compare the institution’s performance to the selected
benchmark target.
• User can customize the metrics based on the needs.
Benchmark Report • The report will contain aggregate data and the
benchmark institution will be anonymized.
• The report can be updated periodically to observe the
changes in performance over time.
• Provide helicopter view of client’s competitive landscape
• Insight on competitor performance to measure own
strategy outcomes
• Discover new opportunity or new market change
• Identify gaps/risk and improve product quality

44
 CUSTOM SCORECARD AS SERVICE

45
 SERVICE OVERVIEW

Predictive analytics is the practice of extracting information from existing data in order to determine patterns and
predict future outcomes and trends. It forecasts what might happen in the future with an acceptable level of reliability
and includes what-if scenarios and risk assessment.

CLIK offer the following service related to predictive analytics:

Look-a-like Model
CLIK can assist lenders with creating custom behavioural models leveraging the CLIK credit bureau data. Jointly with
the client, specific “filters” are applied to identify a look-a-like population based on sociodemographic and product
attributes. Our Analytics team, under the direction of client, applies best in class modelling methodologies to produce
custom scoring model licensed exclusively to our clients even when client have no data!

46
THANK YOU