AdaKami Strengthens Digital Ecosystem, Emphasizes Financial Inclusion Commitment

Leveraging Technology for Financial Inclusion

PT Pembiayaan Digital Indonesia (AdaKami) has reaffirmed its commitment to enhancing financial inclusion through technological innovation during the National Fintech Month (BFN) Festival 2025 organized by the Indonesian Fintech Association (AFTECH). The company's initiatives are particularly significant given the current state of financial inclusion in Indonesia. According to the National Survey on Financial Literacy and Inclusion (SNLIK) 2025, the national financial literacy index has risen to 66.46%, while the financial inclusion index has reached 80.51%.

The Role of AI in Credit Analysis

AdaKami's CEO, Bernardino Moningka Vega, highlighted the importance of access to credit in driving inclusive growth amidst digital transformation and economic development. The company is utilizing artificial intelligence (AI) to analyze large datasets, enabling more accurate creditworthiness assessments and expanding access to financial services for underserved populations. This approach has yielded tangible benefits, including deeper data-driven analysis and alternative credit scoring models for individuals lacking formal credit histories.

Strengthening the Digital Financial Ecosystem

The integration of AI not only enhances credit assessment but also bolsters the security of the fintech ecosystem through improved fraud detection, data protection, and user experience. This technological advancement supports the development of a more sustainable digital lending ecosystem, characterized by broader access and controlled risk. AdaKami's efforts are complemented by its participation in various educational activities throughout the year, such as the Fintech Lending Days in Sorong and FinExpo in Surabaya, targeting strategic groups like MSMEs, students, and women.

Collaborative Efforts for Enhanced Financial Inclusion

AdaKami also emphasizes the importance of robust data infrastructure, particularly through the utilization of the Financial Services Authority's (OJK) Financial Information Service System (SLIK). SLIK provides verified credit histories, enabling more accurate risk assessments and efficient operational processes. The company advocates for continued collaboration across sectors to foster a healthier, safer, and more productive digital financial ecosystem in Indonesia.

Looking Forward

As Indonesia aims to achieve a financial inclusion rate of 98% by 2045, AdaKami's commitment to leveraging technology for financial inclusion positions it as a key player in the country's digital financial landscape. The company's focus on AI-driven credit analysis, educational initiatives, and collaborative efforts underscores its dedication to ensuring equitable access to financial services for all segments of society.