We are one of the leading and most innovative credit bureau in Indonesia. We enable the growth of businesses as well as providing credit information that supports access to credit for Indonesians.

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Loxon is a trusted business solutions provider with more than 25 years of experience in credit management. Since 2000, we have offered integrated lending, collection and risk management solutions for the financial services industry. Loxon was founded by young banking experts with a desire to help banks and financial institutions improve lending and collection activities, strengthen risk assessment, build efficient risk-aware processes and reduce credit losses through a customer-centric approach. From the beginning, Loxon's vision has been to make finances easy for everyone by delivering human-centric business solutions across the lending ecosystem. As a trusted market expert, our extensive knowledge of diverse business scenarios, combined with our expert teams and broad partner network, enables us to address a wide range of credit management challenges. Loxon's core strength lies in combining deep business knowledge with the latest technology to create best-in-class solutions. Our business solutions support the credit risk management journey from initial assessment through to final recovery. Through dedicated modules including rating and scoring, early warning and collections, we help strengthen decision-making, improve portfolio performance and streamline perations. By bringing risk monitoring and recovery together within one coherent ecosystem, supported by specialised AI-powered tools, Loxon helps organisations reduce losses, act sooner and advance their digital transformation with future-ready technology.

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Credgenics is the leading provider of Loan Collections and Debt Resolution technology platforms for Banks, Non-Banking Finance Companies (NBFCs), FinTechs, and Asset Reconstruction Companies (ARCs) across the globe. The AI-powered, SaaS-based platform has been recognized as the #1 Best Selling Loan Collections Platform in India by IBS Intelligence in their Annual Sales League Table for three consecutive years. Credgenics supports the entire collection lifecycle for retail and SME/MSME debt, serving over 150 customers. In FY24 alone, it managed more than 98 million retail loan accounts worth over USD 250 billion and facilitated the dispatch of more than 1.7 billion omni-channel communications. By leveraging Credgenics, lenders have achieved significant improvements in their recovery processes, increasing resolution rates by 20%, enhancing collections by 25%, reducing collection costs by 40%, shortening collection cycles by 30%, and boosting legal process efficiencies by 60%.

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Coface is a global leading player in trade credit risk management with over 80 years of experience, helping companies grow and navigate in an uncertain and volatile environment. Serving 100,000 clients across nearly 200 markets, Coface provides a full range of solutions including Trade Credit Insurance, Business Information, and Debt Collection. Leveraging unique expertise and cutting-edge technology, Coface enables businesses to trade confidently in both domestic and export markets.

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Established as CR Software in 1984, the company introduced its flagship Platinum solution to help organizations manage credit and collections efficiently. In 2007, CR Software launched its next-generation Titanium platform, which later evolved into Debt Manager, a comprehensive SaaS debt collection and recovery solution. In 2021, CR Software was acquired by Jonas Software, further strengthening its position as a trusted provider of credit and debt management solutions for businesses worldwide.

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Collectius is Asia's leading fintech company specializing in debt management services, operating across Singapore, Indonesia, the Philippines, Malaysia, Thailand, Vietnam, and India. The company partners with banks, financial institutions, fintechs, and other lenders to manage non-performing loans through debt purchasing and third-party servicing. Collectius also collaborates with the International Finance Corporation (IFC), a member of the World Bank Group, on a US$60 million distressed asset recovery platform focused on emerging Asian markets. Leveraging digital technology, data-driven strategies, and a customer-centric approach, Collectius helps financial institutions strengthen their balance sheets while supporting customers on their journey toward sustainable financial recovery.

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HyperVerge is a leading B2B SaaS company providing AI-powered Identity Verification (KYC) and Business Verification (KYB) solutions for organizations across Banking, Financial Services, Insurance, Lending, Fintech, Gaming, Logistics, and EdTech. Operating in more than 195 countries, HyperVerge is the No.1 player in the Asia-Pacific market by transaction volume and product maturity.

Trusted by enterprises worldwide, HyperVerge has successfully onboarded over 2 billion identities. Its advanced AI models are trained on diverse facial variations and thousands of global identity document formats, enabling highly accurate, secure, and seamless digital onboarding, fraud prevention, and compliance with regulatory requirements. HyperVerge empowers businesses to accelerate customer acquisition while reducing operational risk and delivering exceptional digital trust experiences.

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AI Rudder empowers businesses to transform customer engagement through AI-driven voice automation. By combining advanced conversational AI with human-like interactions, we help organizations improve efficiency, reduce costs, and deliver faster, higher-quality customer experiences.

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goCollect is an innovative debt collection software that enables payment collection. This digital tool is introduced in the market by Credility, one of the leading pioneers in the world of online financial services. It seamlessly automates the tedious task of tracking performance, following up with debtors, predicting and prioritizing debt recovery to enable faster, smoother and stress-free collections for NBFCs, banks, and other financial lending institutions.

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JurisTech (Juris Technologies) is a global lending and recovery solutions provider specializing in enterprise-class software for banks, financial institutions, insurance providers, automotive, and telecommunications companies across Southeast Asia and beyond. Founded in 1997 during the Asian Financial Crisis, the company has evolved from a debt recovery technology pioneer into a comprehensive provider of digital lending, loan origination, decisioning, collections, and AI-powered automation solutions.

Its flagship platforms including Juris Access, Juris Origination, Juris Mindcraft, Juris Collect, and Juris AICraft help financial institutions accelerate growth, improve operational efficiency, and drive smarter decision-making. Recognized with prestigious industry awards, JurisTech continues to redefine financial services with its commitment to secure, fast, and proven AI lending technology solutions.

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Headquartered in Singapore and backed by Series B funding, TeleAI is on a mission to make every customer conversation smarter, faster, and more human. TeleAI builds human-like AI voice agents that help banks, lenders, insurers, and telecom providers automate telesales and debt collection at scale in the languages their customers actually speak.

Its AI agents manage high-volume outbound and inbound customer interactions through natural, lifelike conversations across more than 20 languages, including English, Bahasa, Spanish, and Urdu. Designed for high-growth markets across Southeast Asia, Latin America, Africa, and Pakistan, TeleAI enables financial institutions to increase customer engagement, improve lead conversion, and maximize recovery rates while maintaining regulatory compliance.

Powered by proprietary generative AI and advanced large language models (LLMs), TeleAI's voice agents go far beyond traditional scripted bots. They understand customer intent, handle objections, negotiate effectively, and conduct intelligent follow-ups across voice and messaging channels, all optimized for local languages, accents, and cultural nuances.

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WIZ.AI is a leading AI technology company specializing in enterprise-grade conversational AI and generative AI solutions. Its innovative platform, powered by AI Large Language Models, empowers customer interactions and employee experiences through human-like virtual agents, seamless human-bot collaboration, and scalable AI applications. With hyper-localized, personalized, and omnichannel engagement capabilities, WIZ.AI handles millions of automated customer interactions every hour, delivering exceptional customer experiences and strong business ROI.

Through its proprietary voice AI and generative AI technologies, combined with an all-in-one AI agent builder platform and expert consulting services, WIZ.AI provides customized AI transformation solutions. Trusted by over 300 clients across 17 countries, the company helps organizations enhance AI readiness, shape AI strategy, and accelerate digital transformation with patented innovations in Generative AI and Conversational AI.

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The Indonesia Fintech Association (AFTECH), established in 2016, is the leading fintech industry association representing Indonesia's digital financial ecosystem. Officially appointed by the Financial Services Authority (Otoritas Jasa Keuangan/OJK) as the Association of Digital Financial Innovation Organizers (IKD) under POJK No. 13/2018, AFTECH serves as a collaborative platform for fintech companies, financial institutions, technology providers, regulators, and other stakeholders. The association promotes innovation, responsible digital financial services, and industry best practices while supporting the growth and competitiveness of Indonesia's fintech sector. Representing a diverse membership across multiple fintech verticals, AFTECH plays a vital role in fostering collaboration, driving policy dialogue, strengthening the digital finance ecosystem, and accelerating financial inclusion throughout Indonesia.

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SME (Smart Milenium Effisiensi) is a communication technology company delivering enterprise communication solutions, including SIP Trunk, Cloud PBX, WhatsApp Business API, SMS Gateway, and AI-powered customer engagement platforms. We help businesses communicate smarter, faster, and more efficiently.

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Ara Pay solves two key problems for lending companies in modern collections: WhatsApp gets blocked when you scale, and manual teams are expensive and inconsistent. We combine KPKT-compliant WhatsApp orchestration with AI-powered negotiation to help lenders collect faster and more transparently—proven results: Malaysian lender, 4,750 accounts engaged in 12 weeks, MYR 2.68M collected with 12x cost savings.

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MaySky is a leading debt management and receivables recovery company in Malaysia, trusted by prestigious organizations including MBSB, TM, PETRONAS, and other major enterprises. The company specializes in debtor tracing through its extensive nationwide network and works closely with debtors to achieve either full settlement or bring installment payments up to date according to each client's instructions. To ensure transparency and compliance, all payments are made directly by debtors to the respective client, allowing MaySky to deliver professional, ethical, and efficient debt recovery services while protecting client relationships.

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