Superbank looks beyond credit scores with AI
Source: Asian Banking & Finance
Published on: 2026-10-12 03:03
The bank monitors its lending models for bias and performance. PT Super Bank Indonesia is using artificial intelligence (AI) and customer behaviour data to assess borrowers overlooked by conventional credit scoring, letting it develop lending products for underserved segments whilst managing risk. "AI and analytics can help us analyze a broader range of customer and behavioral data to identify patterns that may not be captured through traditional credit assessment approaches," Melisa Hendrawati, chief financial officer at Superbank, told Asian Banking & Finance. Indonesia's third-biggest digital bank by assets uses those findings to group borrowers by risk, design credit products, set lending conditions, and adjust its credit strategy. Hendrawati said Superbank tests lending assumptions, monitors customer behaviour, and uses the results to refine products, shortening development time...
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